Cheapest Car Insurance Quotes for Drivers with a Bad Driving Record in Louisiana

Wouldn’t this article be short if we could tell you instantly the single best company that has the best insurance prices for drivers with a bad driving record? It’s not quite that easy, unfortunately, as there are a ton of unknown elements like whether you commute to work, your prior traffic citations, your marital status, and the vehicle you drive, that all factor into the price you pay. The content below will cover these factors and others that can influence the price of auto insurance and will hopefully give you a good start to your coverage search.

When shopping for cheaper auto insurance for bad drivers, one of the many factors that is used to help calculate car insurance rates is where you keep your vehicle in Louisiana. More populated areas like New Orleans, Terrytown, and Metairie tend to have more expensive car insurance rates, whereas areas with less crime or weather claims generally pay less for auto insurance.

The table below lists the most expensive cities in Louisiana for drivers with a bad driving record to buy an auto insurance policy in.

Rates are estimated as specific Louisiana zip code can alter premium rates substantially.

Finding reliable, budget insurance is not easy, and determining which insurers offer the cheapest auto insurance rates for drivers with a bad driving record will require a little more work. Insurance prices will more than likely be quite a bit more expensive than the average policy in Louisiana, with the increase attributed to the posibility of more claims related to offering insurance for bad drivers, but competitively-priced insurance may be possible if you thoroughly shop around. Each company has their own formula to determine rates, so to begin we’ll rank the auto insurance companies with the overall best prices in Louisiana.

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USAA normally has some of the most affordable car insurance rates in Louisiana at around $1,642 each year. MetLife, GEICO, Progressive, and Safeway would also make the list of some of the most economical Louisiana insurance companies.

As depicted above, if you buy coverage from MetLife and switched to USAA, you might achieve savings of upwards of $194. Customers with GEICO may save as much as $303 a year, and Progressive policyholders might lower prices by up to $344 a year.

If you want to find out if you’re overpaying, click here to begin a quote or visit several of the following companies.

It’s important to note that these rates are averages across all drivers and vehicles and and are not figured with a price increase for drivers with a bad driving record. So the insurer that can offer you the best rate may not even be included in the above list. That points out the importance of why you need to get rate quotes from many companies using your own personal information and vehicle type.

The vehicle requiring coverage is one of the main factors when trying to find the lowest-priced insurance for drivers with a bad driving record. Vehicles with lower performance, excellent safety ratings, or a positive history of liability claims will cost much less to insure than higher performance models.

The tables below ranks car insurance costs for a handful of the cheapest vehicles to buy coverage for.

Data based on married male driver age 40, two speeding tickets, two at-fault accidents, $500 deductibles, and Louisiana minimum liability limits. Discounts applied include multi-policy, homeowner, and multi-vehicle. Table data does not factor in the specific area where the vehicle is garaged which can influence prices substantially.

Data based on married male driver age 40, two speeding tickets, two at-fault accidents, $500 deductibles, and Louisiana minimum liability limits. Discounts applied include multi-policy, homeowner, and multi-vehicle. Premium amounts do not factor in the specific area where the vehicle is garaged which can impact price quotes substantially.

Cost estimates assume married male driver age 40, two speeding tickets, two at-fault accidents, $500 deductibles, and Louisiana minimum liability limits. Discounts applied include homeowner, multi-vehicle, and multi-policy. Rate quotes do not factor in the specific area where the vehicle is garaged which can revise insurance rates greatly.

Full coverage versus liability-only

Finding the cheapest auto insurance for drivers with a bad driving record in Louisiana should be important to the majority of people, and one good way to pay lower rates for insurance is to only pay for liability coverage. The chart below compares insurance premiums when comparing full coverage to liability only. The premiums are based on a clean driving record, no at-fault accidents, $1,000 deductibles, single marital status, and no discounts are factored in.

If we average all the age groups together, physical damage coverage on your policy costs an extra $2,592 per year over and above liability coverage. Many drivers may wonder if buying full coverage is a waste of money. There is no definitive rule to exclude comprehensive and collision coverage on your policy, but there is a general school of thought. If the annual cost of having full coverage is more than around 10% of the vehicle’s replacement cost less your deductible, then it might be time to consider dropping full coverage.

There are a few cases where buying only liability insurance is not a good plan. If you have an outstanding loan on your vehicle, you have to maintain full coverage to protect the lienholder’s interest in the vehicle. Also, if you cannot afford to purchase a different vehicle in the even your car is totaled, you should maintain full coverage.

State Farm, Geico, Allstate, and Progressive compared

When it comes to buying car insurance for bad drivers, the top insurers to get price quotes from are State Farm, Geico, Allstate, and Progressive. The table below illustrates ratings for price and service, as well as some optional coverages that you can purchase from each one.