Best Cheap Auto Insurance Quotes for Drivers with a DUI in Louisiana

The words “low-priced” and “auto insurance” probably shouldn’t be used in the same sentence, specifically when you are looking for the best coverage prices for drivers with a DUI. To save some money, let’s learn about some things that impact car insurance rates, and see if you can take the sting out of the next policy you buy.

After getting a DUI, one of the more important things that aid in calculating the annual cost of car insurance is where you normally keep your vehicle in Louisiana. Areas with increased crime or more people like New Orleans, Harvey, and Baton Rouge will most likely have higher rates, whereas areas with fewer weather claims and lower vehicle theft rates tend to receive slightly lower rates.

The following table rates the most expensive areas in Louisiana for drivers with a DUI to purchase car insurance in.

Rates are approximated as the vehicle garaging location can alter auto insurance rates considerably.

The vehicle that is being insured is one of the largest factors that determines whether or not you find economical car insurance for drivers with a DUI. Vehicles with more horsepower, a lack of safety features, or high incidents of liability claims will cost more to insure than more economical and safe models. The next table showcases car insurance premiums for a handful of the more afforable vehicles to insure.

Data based on single male driver age 30, two speeding tickets, no at-fault accidents, $1,000 deductibles, and Louisiana minimum liability limits. Discounts applied include multi-vehicle, homeowner, multi-policy, and claim-free. Rate quotes do not factor in specific location information which can affect price quotes significantly.

Looking at the rates, you can presume that makes and models like the Honda Accord, Honda CR-V, and Hyundai Elantra are likely to be the most affordable vehicles to insure after getting a DUI. The price for car insurance will trend higher because of the fact that there is a higher risk for drivers with a DUI, but overall those particular vehicles will tend to have the best insurance prices that you’ll find.

Finding decent, low-cost auto insurance is not most people’s favorite thing to do, and deciding which company has the cheapest insurance rates for drivers with a DUI calls for a bit more work. Prices should be significantly greater than the average price in Louisiana because of the potential for higher claims that comes with offering insurance after getting a DUI, but economical coverage may be possible with a little diligence. Each auto insurance company has a different process to determine rates, so let’s begin by examining the overall cheapest insurance companies in Louisiana.

Keep in mind that Louisiana insurance rates are calculated based on many things which can significantly increase or decrease the price you have to pay for coverage. This price fluctuation is why it is critical to perform a complete rate comparison when trying to find the lowest car insurance rates for drivers with a DUI. Rates are calculated by many factors and can decrease or increase without notice, so the lowest-price company the last time you shopped your coverage around may now be an over-priced policy.

Best Cheap Insurance Rates after a DUI

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USAA quotes some of the lowest car insurance rates in Louisiana at around $1,594 a year. MetLife, GEICO, Progressive, and Safeway would also make the list of some of the cheaper Louisiana car insurance companies.

As illustrated above, if you are insured with MetLife and switched to USAA, you could realize a yearly price reduction of upwards of $242. Drivers with GEICO could save as much as $351 a year, and Progressive policyholders might realize rate reductions of up to $411 a year.

Be aware that those estimates are averaged for all insureds and vehicles and do not factor in a rate surcharge for drivers with a DUI. So the company that can offer you the lowest price may not even be featured in the above rate chart. That helps illustrate why you need to get rate quotes using your own personalized driver profile and vehicle information.

Selecting a high-quality auto insurance company can be challenging considering how many different insurance companies sell coverage in Louisiana. The company information below could help you choose which insurers you want to consider purchasing a policy from.

These rankings are for companies that insure vehicles nationwide, so companies that may only write in Louisiana are not factored into this list. To view rates from these companies and more, just click here.

Top 10 Large Car Insurance Companies Overall in Louisiana

1. USAA
2. AAA Insurance
3. Allstate
4. State Farm
5. The Hartford
6. Safeco Insurance
7. Progressive
8. American Family
9. Esurance
10. The General

Discounts on Louisiana insurance

Auto insurance companies that offer the best cheap car insurance for drivers with a DUI in Louisiana could also offer premium discounts that could potentially reduce rates by as much as 25% or more if you qualify for them. A few of the larger companies and a selection of discounts can be found below.

• Travelers may have discounts that include multi-policy, payment discounts, save driver, multi-car, new car, hybrid/electric vehicle, and good student.
• 21st Century includes discounts for homeowners, defensive driver, anti-lock brakes, automatic seat belts, student driver, good student, and driver training.
• State Farm may include discounts for Steer Clear safe driver discount, safe vehicle, accident-free, student away at school, and Drive Safe & Save.
• GEICO discounts include federal employee, daytime running lights, good student, five-year accident-free, and anti-theft.
• SAFECO offers premium reductions for homeowner, bundle discounts, anti-lock brakes, teen safe driver, anti-theft, multi-car, and safe driver.
• AAA has savings for multi-car, AAA membership discount, anti-theft, education and occupation, good student, multi-policy, and good driver.

The chart below compares insurance rates with and without discounts applied. The premiums are based on a female driver, no accidents and one citation, Louisiana state minimum liability limits, comp and collision included, and $1,000 deductibles.

The first bar for each age group shows the average annual price with no discounts. The second bar shows the rates with passive restraint, vehicle safety, multiple vehicle, multiple policy, continuous coverage, and anti-theft discounts applied. When drivers qualify for the discounts, the average savings per year on insurance for drivers with a DUI is 28% or $793.

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State Farm, Geico, Allstate, or Progressive: Who is best?

When it comes to buying car insurance after getting a DUI, the top insurers to get price quotes from are State Farm, Geico, Allstate, and Progressive. The table below illustrates some of the different features that are available for policyholders.