If you’re in the market for car insurance and you live in the Pelican State, you’ve got plenty of options to choose from. But identifying the best car insurance in Louisiana can feel like trying to put together a jigsaw puzzle. Thankfully, we’ve put the pieces together for you.
NerdWallet analyzed 19 insurance companies in Louisiana to help you find the best option. We split our top picks into four categories:
How we found the best car insurance in Louisiana.
Best car insurance in Louisiana overall: State Farm
State Farm
State Farm offers numerous discounts and extras including travel expense coverage, making it a good choice for most drivers.
Discounts
Average set of discounts
Ease of use
Above average
NAIC complaints
Fewer than expected
State Farm
State Farm offers numerous discounts and extras including travel expense coverage, making it a good choice for most drivers.
Discounts
Average set of discounts
Ease of use
Above average
NAIC complaints
Fewer than expected
Why it’s the best
The largest personal auto insurance company in the country, State Farm holds the highest overall score out of the 19 companies in Louisiana we analyzed. Because our auto insurance ratings reward companies for customer-first features and practices, this category represents a solid choice for Louisiana drivers seeking a well-rounded insurance company.
State Farm stands out for its ease of use, robust mobile app and financial strength. It also ranked best for customer satisfaction in our best car insurance companies of 2024.
Best car insurance in Louisiana for your budget: Geico
Geico
With nationwide availability and a raft of discounts, Geico is a popular, and often affordable, choice for car insurance.
Discounts
Great set of discounts
Ease of use
Above average
NAIC complaints
Close to expected
Geico
With nationwide availability and a raft of discounts, Geico is a popular, and often affordable, choice for car insurance.
Discounts
Great set of discounts
Ease of use
Above average
NAIC complaints
Close to expected
Why it’s the best
Out of the top insurers in Louisiana, Geico offers the best car insurance for your wallet. According to our May 2024 analysis, Geico’s average rate for full coverage car insurance is $190 a month. However, your own rate may be different. The company also offers 16 discounts drivers may qualify for.
Best car insurance in Louisiana for having few customer complaints: The Hanover
best for having few customer complaints
Discounts
Great set of discounts
Ease of use
Average
NAIC complaints
Far fewer than expected
best for having few customer complaints
The Hanover
The Hanover sells highly customizable policies in 20 states.
Discounts
Great set of discounts
Ease of use
Average
NAIC complaints
Far fewer than expected
Why it’s the best
The Hanover is the best car insurance company in Louisiana for having the fewest customer complaints to state regulators relative to insurers of its size. It’s an especially good choice if you prefer working with an independent car insurance agent, since you can’t get a quote without one.
The Hanover offers a unique set of coverage options drivers can use to customize their policies. For example, drivers can sign up for its Travel Right insurance, which pays for lodging and travel expenses when experiencing a covered loss more than 100 miles from home. Customers can unlock more coverage packages when bundling their homeowners insurance with their auto policy.
Best car insurance in Louisiana for ease of use: Auto Club of SoCal
Auto Club of SoCal
Auto Club of SoCal provides AAA-branded auto insurance in 20 states.
Discounts
Average set of discounts
Ease of use
Above average
NAIC complaints
Fewer than expected
Auto Club of SoCal
Auto Club of SoCal provides AAA-branded auto insurance in 20 states.
Discounts
Average set of discounts
Ease of use
Above average
NAIC complaints
Fewer than expected
Why it’s the best
Auto Club of SoCal is the largest member of the AAA network of motor clubs. NerdWallet ranked it as the best car insurance company in Louisiana for ease of use, which evaluates how easy it is to get quotes, file and track claims, pay premiums and more. Auto Club of SoCal features a well-polished mobile app with high user ratings, and was ranked second for overall satisfaction in J.D. Power’s 2024 U.S. Insurance Shopping Study .
Full list of the best car insurance in Louisiana
If you’re looking for even more options, NerdWallet analyzed 19 car insurers to find the best car insurance companies in Louisiana. Here are the 10 insurers that earned a NerdWallet star rating of 4.5 or higher.
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5.0 NerdWallet’s ratings are determined by our editorial team. The scoring formula incorporates discounts, website transparency, financial strength, complaint data and more. |
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5.0 NerdWallet’s ratings are determined by our editorial team. The scoring formula incorporates discounts, website transparency, financial strength, complaint data and more. |
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5.0 NerdWallet’s ratings are determined by our editorial team. The scoring formula incorporates discounts, website transparency, financial strength, complaint data and more. |
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5.0 NerdWallet’s ratings are determined by our editorial team. The scoring formula incorporates discounts, website transparency, financial strength, complaint data and more. |
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4.5 NerdWallet’s ratings are determined by our editorial team. The scoring formula incorporates discounts, website transparency, financial strength, complaint data and more. |
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4.5 NerdWallet’s ratings are determined by our editorial team. The scoring formula incorporates discounts, website transparency, financial strength, complaint data and more. |
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4.5 NerdWallet’s ratings are determined by our editorial team. The scoring formula incorporates discounts, website transparency, financial strength, complaint data and more. |
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4.5 NerdWallet’s ratings are determined by our editorial team. The scoring formula incorporates discounts, website transparency, financial strength, complaint data and more. |
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4.5 NerdWallet’s ratings are determined by our editorial team. The scoring formula incorporates discounts, website transparency, financial strength, complaint data and more. |
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4.5 NerdWallet’s ratings are determined by our editorial team. The scoring formula incorporates discounts, website transparency, financial strength, complaint data and more. |
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*USAA is only available to military, veterans and their families. |
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Still not sure which company to go with? Try these tips:
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Assess your needs. Evaluate your own needs and preferences before deciding on a car insurance company, since everyone’s needs are different. For example, one person might prioritize a company with strong customer service and a low-mileage discount, while another may prize affordability and a well-polished mobile app.
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Do your research. While the companies on this page represent solid choices, you may want to explore other options. Whichever insurer you go with, make sure they’re financially stable, have few customer complaints and offer the coverage you need at a competitive price. You can also check out our full list of auto insurance reviews.
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Consider small insurance companies. Small, regional insurers may provide a better price and customer service than the big companies you see advertised on TV. You might have to recruit the help of a local independent car insurance agent to find them.
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Shop around once a year. Make a practice of shopping for car insurance quotes about once a year — especially if price is important to you. Insurers adjust car insurance rates regularly, so a company that gave you the best rate last year might no longer be a bargain this year. Be sure to get quotes from at least three insurers, and for the most accurate comparison, use the same or similar coverage options and deductibles while shopping around.
