Cheapest Car Insurance Quotes for Uninsured Drivers in Louisiana

Cheapest Car Insurance Quotes for Uninsured Drivers in Louisiana

One of the key components that is used to calculate car insurance rates is where you keep your car in Louisiana. Areas with more people or higher crime rates like New Orleans, Harvey, and Baton Rouge are more likely to have higher rates, whereas areas with less congestion can boast about having cheaper rates.

The following table sorts the most costly cities in Louisiana for uninsured drivers to purchase auto insurance in.

Where does Louisiana rank for car insurance cost?
Rank City Average Per Year
1 New Orleans $2,914
2 Terrytown $2,530
3 Harvey $2,487
4 Marrero $2,469
5 Baton Rouge $2,231
6 Kenner $2,225
7 Shenandoah $2,204
8 Metairie $2,166
9 Central $2,157
10 Hammond $2,107
11 Prairieville $2,105
12 Alexandria $2,034
13 Laplace $1,991
14 Monroe $1,989
15 Slidell $1,977
16 Lafayette $1,936
17 Lake Charles $1,934
18 New Iberia $1,928
19 Sulphur $1,916
20 Shreveport $1,894
21 Houma $1,846
22 Bossier City $1,780
23 Bayou Cane $1,764
24 Natchitoches $1,763
25 Ruston $1,720
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Rate information is comparative as the specific Louisiana residence address can lower or raise rates significantly.

Shopping around for low-cost auto insurance is tough enough, and deciding which company has the cheapest car insurance rates for uninsured drivers takes a little more work.

Each insurance company uses slightly different criteria for setting rates, so we’ll go over the overall cheapest car insurance companies in Louisiana. We do need to point out that Louisiana car insurance rates are calculated based on many things which can substantially change the price you have to pay. Simply having a birthday, increasing deductibles, or getting caught speeding may generate price changes that may make certain companies much higher than others.

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What’s the cheapest car insurance in Louisiana?
Rank Company Cost Per Year
1 USAA $1,642
2 GEICO $1,887
3 MetLife $1,892
4 Progressive $1,986
5 Safeway $2,154
6 Southern Farm Bureau $2,204
7 California Casualty $2,315
8 State Farm $2,359
9 Safe Auto $2,653
10 Allstate $3,065
11 Encompass $3,138
12 Liberty Mutual $3,608
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USAA generally has some of the lowest car insurance rates in Louisiana at around $1,642 a year. GEICO, MetLife, Progressive, and Safeway also are some of the more affordable Louisiana car insurance companies.

In the above example, if you are currently insured with Safeway and switched to GEICO, you might see annual savings of in the neighborhood of $267. Policyholders with Southern Farm Bureau might save as much as $317 a year, and California Casualty policyholders might realize rate reductions of up to $428 a year.

To see how much you can save, click here or click several companies below for low rates.

Bear in mind that those estimates are averages across all drivers and vehicles and are not factoring in a rate decrease for uninsured drivers. So the company that is most affordable for your situation may not even be included in the company chart above. That emphasizes why you need to compare prices as often as possible using your own specific driver information and vehicle.

The type of vehicle you are insuring is one of the largest factors in finding the lowest-priced auto insurance for uninsured drivers. Vehicles with limited top-end speed, a great safety record, or a positive history of liability claims will cost substantially less to insure than higher performance models.

The next table showcases coverage rates for a handful of the cheapest automobiles to insure.

Cheapest Auto Insurance Rates for Uninsured Drivers in Louisiana
Make and Model Estimated Cost for Full Coverage
Ford Escape XLS 2WD $1,295
Honda CR-V EX-L 2WD $1,326
Chevrolet Traverse LS AWD $1,526
Toyota Sienna XLE $1,532
Chevrolet Impala LT $1,538
Toyota RAV4 Limited 4WD $1,532
Honda Accord EX-L 4-Dr Sedan $1,535
Subaru Forester XT Limited Edition AWD $1,551
Ford F-150 SVT Raptor Super Cab 4WD $1,565
Toyota Highlander 4WD $1,572
Hyundai Tucson GLS 2WD $1,582
Ford Explorer Eddie Bauer 2WD $1,585
Honda Odyssey EX-L W/Rear Entertainment $1,612
Toyota Tacoma X-Runner 2WD $1,617
Kia Forte LX 4-Dr Sedan $1,621
Dodge Grand Caravan CV $1,628
Toyota Prius $1,621
Chevrolet Silverado LTZ Crew Cab 4WD $1,646
Jeep Grand Cherokee Limited 4WD $1,653
Volkswagen Jetta LE 4-Dr Sedan $1,671
Hyundai Santa Fe SE 2WD $1,676
Dodge Ram Crew Cab ST 4WD $1,674
Ford Edge SEL 2WD $1,676
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Table data represents married male driver age 50, no speeding tickets, no at-fault accidents, $1,000 deductibles, and Louisiana minimum liability limits. Discounts applied include claim-free, homeowner, safe-driver, multi-policy, and multi-vehicle. Rates do not factor in the specific area where the vehicle is garaged which can revise coverage rates noticeably.

Based upon these rates, you can presume that makes and models like the Ford Escape, Honda CR-V, Chevrolet Traverse, Toyota Sienna, and Chevrolet Impala are going to be a few of the less-costly vehicles to insure for drivers with no prior coverage.

Picking a good quality company can be a challenge considering how many companies sell insurance in Louisiana. The company ratings listed below could help you decide which companies to look at comparing price quotes from. The ratings below are only comprised of large nationwide companies, so companies that have a smaller presence are not factored into this list.

Top 10 Large Auto Insurance Companies in Louisiana Ranked by Claims Service

  1. Allstate
  2. State Farm
  3. GEICO
  4. Liberty Mutual
  5. American Family
  6. Esurance
  7. AAA Insurance
  8. The Hartford
  9. 21st Century
  10. The General

Top 10 Large Auto Insurance Companies in Louisiana Ranked by Customer Satisfaction

  1. USAA – 91%
  2. AAA Insurance – 90%
  3. Esurance – 90%
  4. Progressive – 88%
  5. Safeco Insurance – 88%
  6. State Farm – 88%
  7. Allstate – 88%
  8. The Hartford – 87%
  9. GEICO – 87%
  10. Farmers Insurance – 84%