We’re here to make your life easier by bringing you relevant car insurance information you can understand. If you say, “Naw-lins” and know how to throw a serious crawfish boil, this is the Louisiana car insurance information you want to know—from cost of cheapest providers to which provider is best for certain drivers and more.

What Are You Looking For?

Cheapest Louisiana Companies

We calculated average premiums for 51 Louisiana auto insurance providers by taking information from seven driver profiles and 14 Louisiana cities. Here are the average prices from cheapest to priciest:

Cheapest Car Insurance in CompaniesAverage Annual Premium
Pharmacists Mutual$1,202.45
ACE$1,268.31
John Deere Insurance$1,331.15
GEICO$1,347.65
AssuranceAmerica$1,370.60
Horace Mann$1,372.36
USAA$1,376.79
Louisiana Farm Bureau$1,398.41
Insura Property & Casualty Insurance$1,400.35
Hallmark Financial Services$1,416.92
The Hartford$1,441.08
RLI Insurance$1,443.46
AIG$1,477.58
Liberty Mutual$1,495.35
American National Financial$1,523.70
American Independent Insurance$1,525.47
Direct General$1,549.15
Cornerstone National$1,579.03
Safeco$1,579.41
Progressive$1,582.49
Affirmative$1,594.12
State Farm$1,603.74
State National$1,603.87
National Security$1,609.96
Auto Club Enterprises$1,624.38
Maiden Holdings$1,625.01
Hanover Insurance$1,627.29
Safe Auto Insurance$1,632.74
Palisades$1,652.74
MetLife$1,659.78
California Casualty$1,664.52
Access Insurance Company$1,676.13
Kemper$1,680.47
21st Century$1,706.16
Allstate$1,724.49
American Family$1,784.88
Home State Insurance$1,810.84
Foremost Insurance$1,843.05
National General$1,861.07
Esurance$1,862.36
Amtrust$1,862.57
Amica Mutual$1,890.65
Tiptree$1,914.76
Shelter Insurance$1,934.34
GoAuto Insurance$1,936.19
Hallmark Financial Services$1,975.24
Safeway Insurance$1,987.14
Allianz Insurance$2,016.47
Chubb$2,019.36
Imperial Fire & Casualty$2,111.47
La Auto Insurance Plan$2,404.57

How Much Drivers Like You Spend On Auto Insurance

We analyzed more specific groups of drivers so you’ll have a better understanding of what you could pay for coverage near you.

Cheapest For Teen Drivers

After looking at data for teen drivers, we found the cheapest options for you.

Cheapest for TeensAverage Annual Cost
National Security$3,212.35
American Independent Insurance$3,215.06
GoAuto Insurance$3,220.33
Hallmark Financial Services$3,226.11
Safeco$3,232.59
MetLife$3,248.24
ACE$3,256.00
LA Auto Insurance Plan$3,257.22
21st Century$3,259.12
Access Insurance Company$3,262.24

Cheapest For Teens by Gender

If you’re 18, female, and driving in Louisiana, you’ll pay about 9% less than your guy friends. Here are the cheapest options for you based on our research:

Cheapest for Teen Women 
Safeco$2,690.00
Palisades$2,764.40
Progressive$2,961.29
Auto Club Enterprises$2,966.00
AssuranceAmerica$3,008.00
Cheapest for Teen Men 
Hallmark Financial$2,803.25
Imperial$3,002.75
Insura$3,008.50
Access Insurance$3,258.25
Amica Mutual$3,296.00

Cheapest For 21-Year Olds

You’ll be happy to see that from your 18th birthday to now, your rates will have dropped about 48%.  That is because the older you get, the less of a risk insurance companies perceive you to be.  Typically, you will see the biggest decrease in your rates when you turn 25–especially if you are a guy. Check it out:

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Cheapest For Drivers Over 60

Based on our findings, there are 27 car insurance companies in Louisiana that offer auto insurance policies under $1,000 annually for both men and women over 60. Take a look.

Best For Drivers Age 21Average Annual Cost
La Auto InsurancePlan$901.50
Allianz Insurance$910.16
GoAuto Insurance$911.50
Hallmark Financial Services$914.83
AssuranceAmerica$916.31
National Security$919.33
American Independent Insurance$920.67
Auto Club Enterprises$921.23
California Casualty$922.31
Safeco$933.83
Esurance$934.15
The Hartford$944.00
Chubb$944.69
MetLife$948.80
21st Century$949.25
Access Insurance Company$951.00
AIG$953.83
Amica Mutual$964.00
Louisiana Farm Bureau$968.00
State Farm$973.60
Maiden Holdings$977.38
Kemper Corporation$980.38
Amtrust$982.62
National General$984.31
Cornerstone National Insurance$994.57
Direct General$996.29
Safe Auto Insurance$999.54
 

Cheapest For Women

According to our data analysis, women spend 13% more on car insurance than their male peers. Here are the cheapest options out there for you in Louisiana:

Most Affordable for WomenAverage Annual Cost
AssuranceAmerica Insurance$1,276.65
ACE$1,289.96
Horace Mann$1,295.13
Pharmacists Mutual$1,300.00
GEICO$1,338.26
Louisiana Farm Bureau$1,370.90
Hallmark Financial Services$1,387.35
Palisades$1,391.70
The Hartford$1,396.19
Liberty Mutual$1,421.63
RLI Insurance$1,456.92
John Deere Insurance$1,469.32
Auto Club Enterprises$1,499.87
USAA$1,505.55
Progressive$1,509.81
 

Cheapest For Men

Men pay about 13% less for car insurance than women in Louisiana. Here’s where you’ll find the cheapest coverage:

Most Affordable for MenAverage Annual Cost
Pharmacists Mutual$1,048.73
Insura Property & Casualty Insurance$1,083.00
John Deere$1,102.31
USAA$1,175.42
ACE$1,237.37
GEICO$1,360.09
AIG$1,384.39
State National$1,410.45
RLI Insurance$1,421.16
American Independent Insurance$1,428.06
Louisiana Farm Bureau$1,439.46
Maiden Holdings$1,459.91
Hallmark Financial Services$1,461.26
Horace Mann$1,474.64
American National Financial$1,486.44
 

City Rates

Whether you’re listening to jazz in New Orleans or relaxing on the bayou, you’ll pay a different price for car insurance. Check out the differences we’ve found below so you know what to expect when you call around for quotes.

Cheapest Cities for Car InsuranceAverage Annual Premium
Shreveport$1,522.55
Monroe$1,559.36
Lake Charles$1,587.80
Alexandria$1,591.34
Slidell$1,594.89
Hammond$1,600.02
Baton Rouge$1,600.73
Batchelor$1,606.41
Houma$1,617.11
Lafayette$1,631.48
Metairie$1,715.45
New Iberia$1,743.02
New Orleans$1,756.74
Chalmette$1,788.47

Some of Louisiana’s largest cities are also its most expensive for car insurance, with New Orleans second most expensive, and Baton Rouge and Lafayette not far behind.

Most Popular Louisiana Car Insurance Providers

One way to measure a company’s “popularity” is to look at its “market share.” This shows you how many customers a company has compared to competitors. In Louisiana, State Farm is king with about one third of the state’s insured drivers on their policies. Their prices are the 22nd cheapest though—meaning customers are paying more for their policies. Pharmacist Mutual Insurance is the cheapest in Louisiana, but it didn’t even make the top 10 for market share.

This is where reading about market share becomes valuable because it can show you that more people may be paying for service because of better coverage or customer service. Take a look.

 Market Share PercentageAverage Annual Rate
State Farm32.92$1,603.74
Progressive13.26$1,582.49
Allstate12.18$1,724.49
GEICO8.63$1,347.65
Liberty Mutual5.38$1,495.35
Southern Farm Bureau Casualty5.22N/A
USAA4.82N/A
Affirmative Insurance3.35$1,594.12
GoAuto Insurance1.67$1,936.19
Amtrust1.58$1,862.57

Customer Satisfaction Ratings

Every time a customer complains, it goes into what’s called a “complaint index.” That document tells you how many customers complain compared to the company’s market share. The lower the number, the less complaints. The less complaints, the happier customers probably are.

 Complaint Index 
Liberty Mutual0
Louisiana Farm Bureau0
Progressive0.27
Safeco0.32
State Farm0.39
Allstate0.4
GEICO0.4
Safeway0.42
USAA0.74
Goauto Properties0.81
Shelter1.14
Affirmative Insurance3.96

When you’re looking for an insurance provider, you shouldn’t just look at price. Make sure they’re keeping customers happy too by doing for one like Liberty Mutual or Louisiana Farm bureau that have zero complaint indexes compared to Affirmative Insurance which is pushing it with the amount of negative feedback they get.

Our Recommendation

We’re here to give you all the information you need to make a smart insurance decision, but the choice is ultimately up to you. If we were going on all-around great scores, we’d choose Allstate because it ranked in the top ten for price, complaint index, and market share. Affirmative Insurance did too, but their complaint index is a bit higher than we’d like to see.

If you need help, you can talk to a team of agents who can answer questions and shop around for quotes. All you Saints-fans have to do is call 855-462-2213 to talk to one now.

Where We Found The Facts

All our facts are bonafide (check out the links below to see for yourself), but our quote averages are based on very specific driver profiles—meaning they might not be true for you. We wanted to give you all an idea of what to expect when you shop for auto quotes, but in order to get an accurate number, you’ll have to call so agents can tailor it to you and only you!

Source Links:

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