Updated: November 18, 2024
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Choosing the best car insurance in Louisiana hinges on individual preferences and needs. MoneyGeek ranks State Farm highest overall, and it is also named the top choice for minimum coverage. Families with teen drivers might prefer State Farm for its mix of affordability, service quality and stability.
If you're prioritizing cost above all, MoneyGeek also evaluated the cheapest car insurance in Louisiana, which might be a key consideration for budget-conscious drivers.
Best Car InsuranceLouisianaBest Car Insurance in Louisiana
Why Trust MoneyGeek? We created an insurance scoring system for providers in Louisiana based on customer satisfaction, claims experience, essential coverages, affordability and financial stability using six independent sources.
These recommendations were updated in March 2024 to reflect the current best car insurance options in Louisiana.
State Farm emerges as Louisiana's leading car insurance provider with an impressive MoneyGeek score of 88 out of 100. Scores among evaluated companies range from 88 to 62, highlighting the variation in insurer performance. This spread reflects MoneyGeek's baseline scoring to help consumers identify suitable insurers, noting that tailored scores may vary depending on individual driver profiles.
How does MoneyGeek score companies?
The overall MoneyGeek scores prioritize customer satisfaction and affordability while still giving substantial weight to claims experience and offered coverages. This holistic approach ensures a comprehensive assessment, helping consumers make informed decisions based on a range of critical factors such as service quality and cost-effectiveness, along with the handling of claims and the variety of options available in their coverage.
Louisiana Farm Bureau, though absent from the MoneyGeek scoring due to incomplete data across all five components, demonstrates a commendable performance in non-claims customer satisfaction and affordability. It's important to note that the scores from certain areas where the Louisiana Farm Bureau excels are based on available data, but this should not be considered a comprehensive endorsement of the insurer's overall performance.
| State Farm | 88 | $1,928 |
| Progressive | 86 | $1,986 |
| GEICO | 77 | $1,697 |
| AAA | 71 | $2,316 |
| Allstate | 62 | $4,112 |
| Louisiana Farm Bureau | No Data | $980 |
MoneyGeek found that State Farm is the best full coverage car insurance in Louisiana, offering a mix of affordability, customer satisfaction, and comprehensive coverage.
State Farm leads the pack with a high MoneyGeek score, reflecting its outstanding customer satisfaction and claims handling. The company is renowned for its reliability and the value it offers policyholders. These factors significantly contribute to its top position among insurers in Louisiana.
To assist those aiming to balance quality with cost efficiency, MoneyGeek has also evaluated providers that offer the cheapest full coverage car insurance in Louisiana.
Ranks No. 2 in Louisiana for customer satisfaction.
Ranks No. 1 in Louisiana for claims handling.
Offers common coverages like roadside assistance and rental car/travel reimbursement.
Ranks No. 2 for key coverages in Louisiana.
Ranks No. 3 for cost in Louisiana, with an average annual premium of $1,928.
Does not offer gap insurance.
State Farm's high MoneyGeek Score is largely attributed to its exceptional satisfaction (33 out of 35) and claims handling (20 out of 20). State Farm offers both common coverages, roadside assistance and rental car and/or travel reimbursement, ensuring critical assistance after an incident or breakdown. Despite this, its standard and reasonably common coverage selection makes it a competitive choice.
Roadside assistance covers various rescue services, offering peace of mind for unexpected roadside issues. Rental car and/or travel reimbursement is a financial safety net for costs arising from vehicle unavailability. These practical and widely used services add considerable value to State Farm's insurance offerings for drivers seeking extensive protection and convenience.
MoneyGeek found that Progressive is the best option in Louisiana for car insurance when it comes to customer service.
Progressive stands out in Louisiana for its exceptional customer service, which is reflected in a high MoneyGeek satisfaction score. Despite having higher rates than State Farm, you are paying for a more consistent service experience.
In Louisiana, customers must have an insurance company that excels in customer service and claims handling. Strong performance in these areas ensures that clients receive responsive, efficient and effective assistance when needed most, such as after an accident or during the claims process. It not only creates peace of mind for policyholders but also results in higher customer satisfaction and loyalty.
Ranks No. 2 in Louisiana for claims handling.
Ranks No. 1 in Louisiana for key coverages, offering rare and common options.
Does not excel in customer service.
Progressive's outstanding satisfaction (38 out of 45) and coverage (20 out of 20) scores are cornerstones of its high MoneyGeek score. The company offers both rental car and/or travel reimbursement and roadside assistance, the two most common car insurance coverages, marking a clear positive for customers. It also provides accident forgiveness and gap insurance.
Progressive shines with its rare but widely applicable coverage, custom parts coverage, ideal for those who customize their vehicles and want to ensure their investments are well-protected. Additionally, Progressive's pet coverage is a unique offering for pet owners, covering injuries to pets in an accident at no additional cost. Each coverage is carefully designed to add convenience and peace of mind, with deductible modification further benefiting customers by lowering their deductible costs over time with no claims. When these offerings are combined with Progressive's excellent satisfaction (38 out of 45) and claims handling (28 out of 30) scores, it's clear why they're a top choice for insurance needs.
MoneyGeek found that State Farm is the best option in Louisiana for drivers seeking minimum coverage car insurance.
State Farm stands out with its impressive balance of high satisfaction and claims handling scores, contributing significantly to its MoneyGeek score. Despite not being the cheapest, State Farm offers the best value for the minimum insurance required by law in Louisiana at an annual cost of $745 for minimum coverage.
While many insurers in Louisiana offer cheap minimum coverage, these policies may carry the risk of insufficient protection in the event of a significant accident, potentially leading to out-of-pocket expenses beyond the coverage limits. Divers should carefully consider the potential downsides of purchasing only the minimum required insurance.
Offers reasonably rare roadside assistance and rental car/travel reimbursement coverage.
Offers rare rideshare insurance for added protection.
Ranks No. 2 for customer satisfaction.
Leads in claims handling with a No.1 rank.
Lacks common discounts such as anti-lock brakes and daytime running lights.
Ranks No. 4 for affordability with a higher average annual premium of $745 for minimum coverage.
State Farm leads with an impressive MoneyGeek score of 83, thanks to a remarkable affordability score of 31 (out of 40) and full marks in stability. On average, policyholders enjoy peace of mind with annual premiums as low as $745, a testament to the company's commitment to cost-efficient coverage. State Farm offers reasonably common discounts like the airbag discount and an anti-theft system, which enhance safety and security while saving drivers money.
State Farm boasts a comprehensive range of discounts, including all the most common: bundling, good student, multiple car and safe driving — showcasing the insurer's dedication to a broad spectrum of savings opportunities. Two other noteworthy savings include the distant student discount, ideal for families with young drivers studying far from home, and the new vehicle discount, rewarding those who opt for newer, safer rides.
Reaffirming the value State Farm provides, its 31 (out of 40) affordability score is complemented by an above-average satisfaction score of 22 (out of 25). These, alongside excellent scores in claims handling (20 out of 20), coverage (5 out of 10) and stability (5 out of 5), solidify State Farm's status as a premier insurance provider by MoneyGeek's standards.
Driver age significantly influences car insurance rates in Louisiana, impacting costs and the alignment of coverages and discounts with the lifecycle of drivers. MoneyGeek found that State Farm stands out as the best car insurance option for Louisiana teens, young adults and seniors. With MoneyGeek scores of 87 for teens, 88 for young adults and 89 for seniors, State Farm offers competitive premiums of $3,617, $2,459 and $1,997, respectively, while delivering satisfactory customer service, claims handling and financial stability across all age groups.
Best for teens: State Farm
Best for seniors: State Farm
Best for young adults: State Farm
MoneyGeek found that State Farm is the best option for car insurance for teens in Louisiana. Here's a snapshot of how the top companies rank:
State Farm distinguishes itself with the highest overall satisfaction score. The company's blend of solid claims handling, affordability, coverage options and financial stability makes it a compelling choice for car insurance in Louisiana. For a teen policy, State Farm offers an annual cost of $3,617, which is significantly more affordable when adding a teen to a family policy. To get cheap car insurance for teens in Louisiana, adding them to an existing policy is often the best approach.
In Louisiana, as in other states, adding a teen to a car insurance policy tends to be costly due to the elevated risk associated with inexperienced drivers. Younger drivers are more likely to get into accidents, leading insurers to charge higher premiums to offset potential claims.
Offers good student, distant student and driver's education discounts.
Ranks No. 1 in Louisiana for customer satisfaction.
Ranks No. 1 in Louisiana for affordability, with an average annual premium of $3,617 for full coverage.
Ranks No. 3 in Louisiana for claims handling.
State Farm clinches a high MoneyGeek score chiefly due to its remarkable satisfaction score of 32 (out of 35) and affordability score of 30 (out of 30), affirming that customers highly value its service quality paired with economical pricing. For families with teenage drivers, State Farm offers all three reasonably common discounts — distant student, driver's education and good student discount.
State Farm extends valuable discounts tailored for young drivers, such as the good student discount, which rewards stellar academic performance with a price reduction. For students who study away from home, the distant student discount eases the financial burden, while driver's education incentivizes young policyholders to invest in improving their driving skills. Regarding coverage, roadside assistance offers quick mechanical labor, towing and essential services in case of a vehicle breakdown. Likewise, rental car and/or travel reimbursement coverage provides financial relief by covering rental car expenses during vehicle repairs, a practical benefit for those unforeseen moments.
MoneyGeek found that State Farm is the best option in Louisiana for senior drivers seeking quality car insurance coverage.
State Farm is the top contender largely due to its superior customer satisfaction and claims handling scores. Notably, for seniors looking for an economical policy, State Farm offers a competitive annual cost of $1,997, which is reasonable considering that securing cheap car insurance for a senior in Louisiana can often be slightly more expensive than it is for individuals in their middle years.
Offers roadside assistance and rental car and/or travel reimbursement.
Ranks No, 1 in Louisiana for claims satisfaction.
Ranks No. 2 in Louisiana for customer satisfaction.
Ranks No. 3 for affordability in Louisiana, with an average annual premium of $1,997.
State Farm's exceptional MoneyGeek score is buoyed by impeccable satisfaction and solid claims handling. The company offers roadside assistance and rental car and/or travel reimbursement, guaranteeing support in an accident. With an average annual premium of $1,997, State Farm provides a senior driver discount, enabling older customers to enjoy additional savings.
State Farm's roadside assistance offers on-site labor and towing, which can be particularly valuable for seniors who may not have the means to deal with vehicle trouble on the road. Rental car and/or travel reimbursement coverage ensures that an accident doesn't leave them without transportation, covering car rental costs or offering reimbursement for travel expenses. These benefits, coupled with State Farm's high satisfaction score of 34 (out of 35) and perfect claims handling score of 20 (out of 20), position them as a top choice for seniors seeking quality and peace of mind in their auto insurance provider.
MoneyGeek found that State Farm is the best option in Louisiana for car insurance catering to young adults. Its comprehensive approach securing top scores across diverse metrics ensures unparalleled value.
State Farm stands out prominently due to its high scores in customer satisfaction, affordability, claims handling and stable coverage options, all of which are critical for drivers in their 20s. It is reflected in its annual premium, making it the premier choice for young adults seeking cheap car insurance for a young adult in Louisiana despite typically being more expensive than policies for older demographics.
Car insurance for young adults in Louisiana, as in other states, tends to be higher due to the perceived risk insurers associate with younger drivers. This demographic statistically faces higher accident rates, prompting insurance companies to compensate with higher premiums.
Ranks No. 1 in Louisiana for claims satisfaction.
Offers good student, distant student and driver's education discounts.
Ranks No. 3 for affordability in Louisiana.
State Farm leads with exceptional scores in satisfaction (33 out of 35) and claims handling (20 out of 20), setting a high bar for the MoneyGeek score. Catering to young drivers, State Farm offers all three standard discounts for students — good student, distant student and driver's education. It also boasts the two most common car insurance coverages — roadside assistance and rental car and/or travel reimbursement.
State Farm's policyholders benefit from a suite of valuable coverages beyond the common ones. Roadside assistance provides vital support for unexpected issues such as battery trouble or flat tires, offering up to an hour of mechanical labor at the breakdown site. Rental car and/or travel reimbursement proves indispensable during car repairs, covering rental and sometimes travel costs, ensuring mobility is uninterrupted.
MoneyGeek found that State Farm is the best option in Louisiana for drivers with driving offenses, offering a blend of customer satisfaction, claims handling and coverage options with competitive pricing.
State Farm leads the pack due to its high scores in customer satisfaction and claims handling, which is essential for drivers needing a reliable insurer after a speeding ticket, at-fault accident or DUI. Moreover, its competitive annual premium of $2,280 is noteworthy for those seeking to balance cost with quality. To get cheap car insurance as a high-risk driver in Louisiana, anticipate paying somewhat more than mature drivers with clean records.
Drivers in Louisiana and other states can expect insurance premiums to rise after traffic violations or accidents due to the increased risk they pose to insurers. Insurers adjust rates to accommodate the likelihood of future claims.
Ranks well in state for customer satisfaction.
Ranks No. 1 in Louisiana for claims handling.
Ranks highly for cost, with an average annual premium of $2,280 for full coverage with driving offenses.
Offers roadside assistance and rental car and/or travel reimbursement coverages.
State Farm stands out with its exceptional satisfaction and claims handling scores, significantly contributing to its impressive MoneyGeek score of 88. With common coverages like roadside assistance and rental car/travel reimbursement, State Farm ensures those with past driving offenses are well-supported. With a competitive average annual premium of $2,280 and an affordability score shy of 25, State Farm offers reasonably priced options for drivers facing higher rates due to traffic violations or accidents.
State Farm offers useful coverages for individuals with a less-than-perfect driving record. Roadside assistance coverage includes a safety net, mechanical labor at the breakdown site, towing to the nearest repair location, and more, ensuring that help is always available during unexpected breakdowns. Rental car and/or travel reimbursement provides financial relief by covering car rental expenses, which is beneficial when accidents lead to car repairs. These offerings, along with its excellent satisfaction rate (33 out of 35) and flawless claims handling score (20 out of 20), solidify State Farm's standing as a top-tier insurer, adept at pairing broad protection with high-quality service.
MoneyGeek found that Allstate is the best option in Louisiana for drivers with new cars seeking top-rated car insurance. Allstate is a stellar choice for new drivers in Louisiana, particularly because MoneyGeek has meticulously filtered out insurers that do not offer new car replacement and/or better car replacement coverages.
Also contributing significantly to Allstate's perfect MoneyGeek score is a combination of satisfaction, affordability, claims handling, coverage options and financial stability. Notably, even if the annual cost of $5,355 may seem steep, selecting an insurer offering a new or better car replacement can be financially advantageous. That's because, after an accident, coverage that replaces your new vehicle without deducting for depreciation can lead to substantial savings.
Ranks well in Louisiana for customer satisfaction.
Ranks well in Louisiana for claims handling.
Ranks well for cost, with an average premium of $5,355 for full coverage.
Offers new car replacement and gap insurance.
Allstate's exceptional MoneyGeek score of 100 is owed to its high satisfaction (35 out of 35) and affordability (30 out of 30), which greatly contribute to this rating. This company offers new car replacement, a benefit for owners of new cars, giving them peace of mind by replacing their vehicle after a total loss, though it's important to note that this is an optional add-on. Allstate's average annual premium is $5,355.
Allstate provides valuable coverage options, including new car replacement for vehicles two or fewer years old. This coverage can alleviate the financial burden after a total loss. Additionally, Allstate offers comprehensive options such as custom parts coverage and portable electronics and media coverage, catering to specific needs and enhancing the utility of its common coverages. These offerings and the company's top scores in customer satisfaction and affordability make Allstate stand out in the insurance market.
MoneyGeek found that USAA is the best option in Louisiana for military personnel seeking car insurance. This top-ranked company is renowned for its excellent service tailored to current and former military members and their families.
Although USAA's service is commendable, those focused on rates might also want to review the cheapest car insurance in Louisiana for military drivers. USAA's legacy of dedicated service to military families contributed significantly to its high MoneyGeek score, reflecting a blend of exceptional claims handling, satisfactory coverage and commendable stability, which are key factors for consumers. With an annual premium of $1,481, USAA offers quality and remains competitive in its pricing. However, availability is limited to those affiliated with the military, ensuring a more personalized and relevant insurance experience for these individuals.
Ranks well in Louisiana for customer satisfaction.
Ranks No. 2 in Louisiana for cost.
Offers common coverages like roadside assistance and rental car/travel reimbursement.
USAA achieves its exceptional MoneyGeek score primarily due to unparalleled customer satisfaction and affordability. As a company dedicated to serving military families, USAA offers comprehensive insurance solutions to active-duty service members, veterans and their families. Its average annual premium stands at a competitive $1,481.
USAA provides a range of valuable coverages for drivers. Accident forgiveness is a reasonably common coverage, and with USAA, maintaining an accident-free record for five years means your rates won't go up after one at-fault accident. For common coverages, roadside assistance is always a driver's ally, managing emergencies like towing or flat tire changes, ensuring help is always available. Additionally, rental car and/or travel reimbursement is a service that covers the costs of a rental or travel when your car is under repair, minimizing inconvenience during vehicle downtimes. These coverages are instrumental in fostering a worry-free driving experience.
Among the scores contributing most to USAA's high MoneyGeek ranking, the satisfaction score is a perfect 35 (out of 35). The affordability score also stands out at 27 (out of 30), reflecting USAA's commitment to providing cost-effective insurance options.
In Louisiana, the premier car insurance companies stand out by artfully blending affordable rates, financial solidity, and exemplary customer service records. MoneyGeek has streamlined your selection process, identifying insurers that excel in these crucial areas. Should you embark on personal research, there are four key steps to ensure you make an informed decision regarding your car insurance needs.
In Louisiana, exceptional customer service is a cornerstone for car insurers, directly impacting client satisfaction and retention. Policyholders are encouraged to investigate insurers through independent evaluators like J.D. Power and the NAIC to assess their service records. Progressive stands out in Louisiana, with MoneyGeek's research revealing a customer satisfaction score of 38 (out of 45) and a claims handling score of 28 (out of 30), marking it as the leader in service quality.
Louisiana drivers can benefit from comparing car insurance quotes to find the right balance between cost and service. Personal research tailored to one's background is vital to discovering affordable options. According to MoneyGeek's findings, State Farm offers the best minimum coverage at an annual premium of $745, presenting a cost-effective choice for budget-conscious consumers.
The range of coverages provided by car insurers is critical to meet diverse driver needs in Louisiana. Consumers should research insurers to find the right coverage fit. MoneyGeek's analysis identifies Progressive and Allstate as insurers with a perfect coverage score of 10, indicating they offer all four key coverages: rental car and/or travel reimbursement, roadside assistance, gap insurance and original equipment manufacturer (OEM) coverage.
Selecting a financially stable insurer ensures claims are paid without hiccups. A solid financial stability rating indicates an insurer's ability to fulfill obligations. From MoneyGeek's data, State Farm and GEICO have achieved the highest stability score of 5 (out of 5), signifying an A++ rating from AM Best and assuring customers of their robust financial health.
The best car insurance options for you largely depend on your specific needs and preferences. We’ve answered some of the most common questions to help you make the right purchase.
State Farm is recognized as the best car insurance in Louisiana, with an overall MoneyGeek score of 88. The company boasts an annual premium of $1,928. The two most significant factors contributing to its high score are claims handling and satisfaction, with scores of 20 out of 20 and 34 out of 35, respectively.
State Farm is determined to be the best for cheap car insurance in Louisiana, with an annual premium for a minimum coverage policy of $745 and an overall MoneyGeek score of 83. While minimum coverage policies are the most affordable, they may need to provide more comprehensive protection. It's advisable to compare quotes to find affordable full coverage options.
About Mark Fitzpatrick
Mark Fitzpatrick is a Licensed Property and Casualty Insurance Producer and MoneyGeek's Head of Insurance. He has analyzed the insurance market for over five years, conducting original research and creating personalized content for every kind of buyer. He has been quoted in several insurance-related publications, including CNBC, NBC News and Mashable.
Fitzpatrick earned a master’s degree in economics and international relations from Johns Hopkins University and a bachelor’s degree from Boston College. He is passionate about using his knowledge of economics and insurance to bring transparency around financial topics and help others feel confident in their money moves.
