Best Cheap Car Insurance for Drivers with Accidents in Louisiana

Best Cheap Car Insurance for Drivers with Accidents in Louisiana

The words “low-priced” and “insurance” really should not be used together, specifically when you are searching for the best insurance rates for drivers with accidents. Because it’s so expensive, let’s introduce you to some situations that can significantly affect insurance premiums, and find a way to lower the cost of your next policy.

Buying budget car insurance is not the easiest thing to accomplish, and deciding which insurers offer the most affordable auto insurance rates for drivers with accidents calls for a little more work. Insurance premiums will be a little bit more than the state average attributed to the posibility of more claims related to offering insurance for drivers with at-fault accidents, but affordable insurance should be obtainable with a little diligence. Each auto insurance company has a different process for filing rates in each state, so first we will examine the auto insurance companies with the overall cheapest rates in Louisiana.

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Louisiana car insurance ranked by cost per year
Rank Company Cost Per Year
1 USAA $1,594
2 MetLife $1,854
3 GEICO $1,887
4 Progressive $1,927
5 Safeway $2,132
6 Southern Farm Bureau $2,181
7 California Casualty $2,269
8 State Farm $2,431
9 Safe Auto $2,575
10 Allstate $3,035
11 Encompass $3,170
12 Liberty Mutual $3,719
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USAA quotes some of the lowest car insurance rates in Louisiana at around $1,594 per year. MetLife, GEICO, Progressive, and Safeway also qualify as some of the most economical Louisiana insurance companies.

As the rates illustrate above, if you have coverage with GEICO and switched to USAA, you might see savings of about $293. Drivers with Progressive might save as much as $333 a year, and Safeway policyholders might reduce rates by $538 a year.

Understand that those policy prices are averages across all drivers and vehicles and do not take into consideration a price surcharge for drivers with accidents. So the car insurance company that is most affordable for your situation may not even be shown in the list of companies shown earlier. That’s why you need to get auto insurance quotes using your own specific driver information and vehicle.

For Louisiana drivers, one of the components that is looked at to determine the policy price is your zip code in Louisiana. Cities with larger populations or higher claim trends like New Orleans, Marrero, and Baton Rouge tend to pay slightly more, whereas areas with less congestion generally benefit from lower auto insurance rates.

The next table illustrates the most expensive places in Louisiana for drivers with accidents to purchase a policy in.

Where does Louisiana rank for car insurance cost?
Rank City Average Per Year
1 New Orleans $2,943
2 Harvey $2,589
3 Marrero $2,569
4 Terrytown $2,455
5 Baton Rouge $2,231
6 Kenner $2,225
7 Shenandoah $2,204
8 Prairieville $2,191
9 Metairie $2,166
10 Central $2,135
11 Hammond $2,128
12 Alexandria $2,096
13 Laplace $2,051
14 Lafayette $1,995
15 Monroe $1,989
16 Slidell $1,977
17 Lake Charles $1,915
18 Sulphur $1,896
19 New Iberia $1,852
20 Shreveport $1,838
21 Bayou Cane $1,836
22 Natchitoches $1,835
23 Houma $1,810
24 Bossier City $1,797
25 Ruston $1,652
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Rate quotes are estimated as the specific zip code location can raise or lower insurance rates noticeably.

Discounts on Louisiana car insurance rates

<img class="shadow floatright" src="http://www.quoteclickinsure.com/blog/wp-content/uploads/cheap-car-insurance-drivers-accidents-la.jpg" alt="Cheaper Louisiana auto insurance for drivers with at-fault accidents”/>Insurance companies that provide the best cheap auto insurance for drivers with accidents in Louisiana may also provide premium discounts that can reduce rates by as much as 25% or more if you meet specific criteria. Popular auto insurance companies and a summarized list of policyholder discounts are shown below.

Car Insurance Discounts by Company
Discount State Farm Geico Allstate Progressive Liberty Mutual
Multi-policy Yes Yes Yes Yes Yes
Multi-vehicle Yes Yes No Yes Yes
Anti-theft Yes Yes Yes Yes Yes
Anti-lock brakes Yes Yes Yes No Yes
Passive restraint Yes Yes Yes No Yes
Running lights Yes Yes No No No
New car Yes No Yes No No
Accident-free Yes Yes Yes Yes No
Defensive driver training Yes Yes Yes Yes No
Armed forces Yes Yes No Yes No
Affinity/occupation No Yes No No Yes
Pay in full No Yes Yes Yes Yes
Auto-pay No Yes Yes Yes Yes
Loyalty Yes No No Yes No
Smart student Yes Yes Yes Yes Yes
Student at college Yes No Yes Yes Yes
Own home No No No Yes No
Seat belt usage No Yes No No No
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The diagram below shows the difference between insurance costs with and without policy discounts. The prices are based on a female driver, two accidents and no citations, Louisiana state minimum liability limits, comprehensive and collision coverage, and $1,000 deductibles.

The first bar for each age group shows insurance cost with no discounts. The second shows the rates with paid-in-full, multiple vehicle, vehicle safety, continuous coverage, anti-theft, and multiple policy discounts applied. When drivers qualify for the discounts, the the average amount saved on auto insurance for drivers with accidents is 15% or $142.

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