See Louisiana car insurance cost for both new and used cars by car values, deductibles and credit scores. Also see what coverage you need and where you can cut costs without leaving yourself in trouble.
Car insurance in Louisiana often costs more than the national average. Drivers here face a mix of heavy traffic, storm risks, and higher injury claim costs that push prices upward.
Once ready, see the best local and statewide car insurers.
Curious about car financing? See real Louisiana car loan rates shared by our community. You can also find Louisiana best car loan lenders in your area (also community recommended).
Louisiana’s 15/30/25 Rule: What It Covers
Louisiana law requires drivers to carry liability coverage and coverage for injuries caused by uninsured drivers. These parts of your policy help pay for damage and medical bills when a crash happens.
- $15,000 for injuries to one person. This pays for medical bills if you hurt someone in a crash.
- $30,000 for injuries to more than one person in a single crash. This is the total amount your insurance will pay for all injured people combined.
- $25,000 for property damage. This pays to fix or replace what you damage, like another car, a fence, or a building.
- $15,000/$30,000 for injuries caused by an uninsured driver. This helps when the other driver has no insurance.
Louisiana does not require personal injury coverage for your own medical bills. Health insurance usually handles those costs unless you add extra protection to your auto policy.
MFP Tip: With a $15,000 injury limit, a short hospital stay can use up your coverage. Higher limits can protect you from paying the difference.
Louisiana New Car Insurance Costs
Your new auto insurance price depends on the value of your car, how much coverage you choose, and your credit history. New cars usually cost more to insure because repairs and replacement parts are more expensive.
| Car Value | Coverage | 750+ (Excellent) |
700–749 (Good) |
650–699 (Fair) |
600–649 (Below Fair) |
|---|---|---|---|---|---|
| Over $60K | Full | $276 | $321 | $350 | $566 |
| Standard | $232 | $270 | $294 | $475 | |
| Liability only | $135 | $157 | $171 | $276 | |
| $40K-$60K | Full | $234 | $272 | $297 | $479 |
| Standard | $195 | $226 | $247 | $398 | |
| Liability only | $115 | $134 | $146 | $236 | |
| $25K-$40K | Full | $204 | $237 | $259 | $418 |
| Standard | $170 | $197 | $215 | $347 | |
| Liability only | $102 | $119 | $129 | $209 | |
| Below $25K | Full | $179 | $208 | $227 | $367 |
| Standard | $147 | $171 | $187 | $302 | |
| Liability only | $90 | $105 | $114 | $184 |
Louisiana Used Car Insurance Costs
Used cars often cost less to insure in LA, but dropping coverage for your own car can leave you paying out of pocket after a crash, a theft, or flood damage.
| Car Value | Coverage | 750+ (Excellent) |
700–749 (Good) |
650–699 (Fair) |
600–649 (Below Fair) |
|---|---|---|---|---|---|
| Over $40K | Full | $209 | $243 | $265 | $428 |
| Standard | $174 | $203 | $221 | $357 | |
| Liability only | $103 | $120 | $131 | $211 | |
| $15K-$40K | Full | $174 | $203 | $221 | $357 |
| Standard | $144 | $168 | $183 | $296 | |
| Liability only | $87 | $102 | $111 | $179 | |
| Below $15K | Full | $146 | $170 | $186 | $300 |
| Standard | $119 | $139 | $151 | $244 | |
| Liability only | $74 | $86 | $94 | $152 |
Most insurers group policies into three coverage levels:
- Full: Includes liability plus coverage for damage to your own car, even if you cause the crash or weather damages your vehicle.
- Standard: Higher liability limits than the state minimum, with or without coverage for your own car.
- Liability Only: Covers injuries and damage you cause to others, but not your own car.
How Credit History Influences Louisiana Car Insurance Prices
In Louisiana, insurers can use your credit history when setting your price. Drivers with strong credit often pay less, while drivers with below-fair credit usually pay much more for the same coverage.
In many cases, a driver with weak credit can pay 50 to 65 percent more than a driver with excellent credit, even if both have similar cars and clean driving records.
MFP Tip: If your credit improves, ask for a new quote before your policy renews. A better credit history can lead to a lower bill.
Picking the Right Coverage
If you finance or lease a new car, your lender will require coverage that pays to repair or replace your car after a crash or storm. This protects their investment until the loan is paid off.
Gap insurance can help during the early years of a loan. If your car is totaled, it covers the difference between what your car is worth and what you still owe.
For used cars, the 10 percent test can guide your choice. If your yearly coverage cost is more than 10 percent of your car’s value, you may want to keep only liability and drop coverage for your own car.
Why Louisiana’s Minimums Can Leave You Paying the Difference
When You Damage Someone’s Property
Many vehicles on Louisiana roads cost more than $25,000 to repair. If your limit runs out, the rest of the bill can fall on you.
If You Injure Someone
Medical care and missed work can push costs past $15,000 for a single person. If more than one person is hurt, the $30,000 total limit has to cover everyone.
When an Uninsured Driver Hits You
About one in eight Louisiana drivers is uninsured. Coverage for injuries and damage to your own car can help when the other driver cannot pay.
What Shapes Louisiana Rates
Louisiana uses an at-fault system. The driver who causes the crash is responsible for injuries and damage, which makes strong liability limits more valuable.
Heavy rain and flooding can damage parked cars and lead to claims across low-lying areas of the state.
Traffic around New Orleans, Baton Rouge, and major highways like I-10 and I-12 increases the chance of minor crashes and repair costs.
How Louisiana Drivers Can Bring Their Insurance Costs Down
- Bundle policies. Putting home or renters insurance with the same company can lead to lower prices.
- Take a defensive driving course. Some insurers offer discounts for approved classes.
- Use safe-driver tracking programs. These track how you drive and can lower your rate if you avoid hard braking and late-night trips.
- Compare quotes. Prices can vary widely between companies for the same driver and car.
- Raise your deductible. This is the amount you pay out of pocket before insurance kicks in.
MFP Tip: If you live in a flood-prone area, ask how storm claims in your ZIP code affect pricing. Location can play a role in your rate.
What to Do After Buying a Car in Louisiana
You need insurance in place before you can register your vehicle. Dealers often submit paperwork for new cars, while private sales leave the steps to you.
Registration and title work go through the Louisiana Office of Motor Vehicles. New residents and in-state buyers have a short window to complete the process.
Review your coverage once a year. As your car’s value drops, you may be able to adjust your policy and lower your costs.
Louisiana Best Car Insurance
Find Louisiana best local insurers by metro areas based on community recommendations
Neworleans, Batonrouge, Shreveport, Metairie, Lafayette, Lakecharles, Bossiercity, Kenner, Monroe, Alexandria
Neworleans Best Car Insurers
MFP’s Community Car Insurance Survey most recommended auto insurance companies in New Orleans’s area are Leigh Ann Arcuri, agent, State Farm, Josh Lorando, agent, State Farm and Ben Guillory, agent, State Farm.
Leigh Ann Arcuri, agent, State Farm (88% Recommend)
- Leads New Orleans with 4.8 Easy Application, 4.6 Terms & Premium Satisfaction, and 4.8 Support & Guidance, tying the highest Support & Guidance among the top 3.
- Customer feedback points to a smooth quote process, clear answers, and strong local help for drivers comparing car insurance.
Josh Lorando, agent, State Farm (87% Recommend)
- Scores 4.7 Easy Application, 4.5 Terms & Premium Satisfaction, and 4.8 Support & Guidance, just 1 Recommend % point behind Leigh Ann Arcuri.
- Drivers respond well to the office’s patient explanations, responsive service, and help finding the right auto coverage.
Ben Guillory, agent, State Farm (85% Recommend)
- Earns 4.6 Easy Application and 4.7 Support & Guidance, keeping it within 3 Recommend % points of the top New Orleans option.
- Customer feedback supports experienced local guidance and dependable help for car insurance questions.
| Insurer | Type | Easy Application | Terms & Premium Satisfaction | Support & Guidance | Recommend % |
|---|---|---|---|---|---|
| Leigh Ann Arcuri, agent, State Farm | Insurer | 4.8 | 4.6 | 4.8 | 88% |
| Josh Lorando, agent, State Farm | Insurer | 4.7 | 4.5 | 4.8 | 87% |
| Ben Guillory, agent, State Farm | Insurer | 4.6 | 4.5 | 4.7 | 85% |
| Vanessa Brown Claiborne, agent, State Farm | Insurer | 4.5 | 4.4 | 4.6 | 83% |
| Riverlands Insurance Services | Agency | 4.4 | 4.4 | 4.7 | 82% |
| Eagan Insurance Agency | Agency | 4.3 | 4.4 | 4.6 | 81% |
| GoAuto Insurance | Insurer | 4.5 | 4.2 | 4.1 | 79% |
| Allstate | Insurer | 4.4 | 4.0 | 4.2 | 77% |
| State Farm | Insurer | 4.5 | 4.2 | 4.3 | 77% |
| Progressive | Insurer | 4.6 | 4.0 | 4.0 | 76% |
| Liberty Mutual | Insurer | 4.2 | 3.9 | 4.0 | 74% |
| Farmers Insurance | Insurer | 4.2 | 4.0 | 4.1 | 73% |
| Travelers | Insurer | 4.1 | 4.0 | 4.0 | 73% |
| Direct Auto Insurance | Insurer | 4.4 | 4.0 | 3.9 | 72% |
| GEICO | Insurer | 4.5 | 3.8 | 3.8 | 72% |
Batonrouge Best Car Insurers
MFP’s Community Car Insurance Survey most recommended auto insurance companies in Baton Rouge’s area are Anna Jones, agent, State Farm, Beau Wofford, agent, State Farm and Laurin Maier, agent, State Farm.
Anna Jones, agent, State Farm (88% Recommend)
- Leads Baton Rouge with 4.7 Easy Application, 4.6 Terms & Premium Satisfaction, and 4.8 Support & Guidance, the highest Support & Guidance among the top 3.
- Customer feedback supports long-running local service, clear guidance, and dependable help for auto insurance shoppers.
Beau Wofford, agent, State Farm (86% Recommend)
- Scores 4.7 Easy Application and 4.7 Support & Guidance, 2 Recommend % points behind Anna Jones.
- Drivers respond well to the office’s local reputation, quote access, and direct support with car insurance decisions.
Laurin Maier, agent, State Farm (84% Recommend)
- Earns 4.6 Easy Application and 4.6 Support & Guidance, matching Beau Wofford’s 4.5 Terms & Premium Satisfaction score.
- Customer feedback points to a helpful staff experience and a straightforward process for reviewing coverage.
| Insurer | Type | Easy Application | Terms & Premium Satisfaction | Support & Guidance | Recommend % |
|---|---|---|---|---|---|
| Anna Jones, agent, State Farm | Insurer | 4.7 | 4.6 | 4.8 | 88% |
| Beau Wofford, agent, State Farm | Insurer | 4.7 | 4.5 | 4.7 | 86% |
| Laurin Maier, agent, State Farm | Insurer | 4.6 | 4.5 | 4.6 | 84% |
| Cliff Ourso, Jr., agent, State Farm | Insurer | 4.6 | 4.4 | 4.6 | 83% |
| TWFG Insurance Services | Agency | 4.4 | 4.4 | 4.7 | 82% |
| GoAuto Insurance | Insurer | 4.5 | 4.2 | 4.1 | 79% |
| Laris Insurance Agency | Agency | 4.3 | 4.3 | 4.5 | 79% |
| State Farm | Insurer | 4.5 | 4.2 | 4.3 | 77% |
| Allstate | Insurer | 4.4 | 4.0 | 4.2 | 76% |
| Progressive | Insurer | 4.6 | 4.0 | 4.0 | 76% |
| Liberty Mutual | Insurer | 4.2 | 3.9 | 4.0 | 74% |
| Farmers Insurance | Insurer | 4.2 | 4.0 | 4.1 | 73% |
| Travelers | Insurer | 4.1 | 4.0 | 4.0 | 73% |
| Direct Auto Insurance | Insurer | 4.4 | 4.0 | 3.9 | 72% |
| GEICO | Insurer | 4.5 | 3.8 | 3.8 | 72% |
Shreveport Best Car Insurers
MFP’s Community Car Insurance Survey most recommended auto insurance companies in Shreveport’s area are Hudson Silver Insurance Agency, Freeway Insurance and The Pace Agency LLC.
Hudson Silver Insurance Agency (84% Recommend)
- Ranks first with 4.4 Easy Application, 4.5 Terms & Premium Satisfaction, and 4.7 Support & Guidance, the highest Support & Guidance among the top 3.
- Customer feedback supports personalized local service and help matching coverage to budget needs.
Freeway Insurance (80% Recommend)
- Scores 4.5 Easy Application and 4.2 Terms & Premium Satisfaction, beating The Pace Agency LLC on Easy Application by 0.2 points.
- Drivers respond to its quote-focused process and help finding coverage options in a high-premium market.
The Pace Agency LLC (78% Recommend)
- Earns 4.3 Easy Application and 4.4 Support & Guidance, 2 Recommend % points below Freeway Insurance.
- Customer feedback supports local agent access and direct help reviewing auto insurance choices.
| Insurer | Type | Easy Application | Terms & Premium Satisfaction | Support & Guidance | Recommend % |
|---|---|---|---|---|---|
| Hudson Silver Insurance Agency | Agency | 4.4 | 4.5 | 4.7 | 84% |
| Freeway Insurance | Agency | 4.5 | 4.2 | 4.3 | 80% |
| The Pace Agency LLC | Agency | 4.3 | 4.1 | 4.4 | 78% |
| GoAuto Insurance | Insurer | 4.5 | 4.1 | 4.0 | 77% |
| State Farm | Insurer | 4.5 | 4.2 | 4.3 | 77% |
| Allstate | Insurer | 4.4 | 4.0 | 4.2 | 75% |
| Progressive | Insurer | 4.6 | 4.0 | 4.0 | 75% |
| Farmers Insurance | Insurer | 4.2 | 4.0 | 4.1 | 73% |
| Direct Auto Insurance | Insurer | 4.4 | 4.0 | 3.9 | 72% |
| GEICO | Insurer | 4.5 | 3.8 | 3.8 | 72% |
Metairie Best Car Insurers
MFP’s Community Car Insurance Survey most recommended auto insurance companies in Metairie’s area are Theresa Hollander, agent, State Farm, The Badeaux Agency and Direct Auto Insurance.
Theresa Hollander, agent, State Farm (86% Recommend)
- Leads Metairie with 4.7 Easy Application, 4.5 Terms & Premium Satisfaction, and 4.7 Support & Guidance, the highest Support & Guidance among the top 3.
- Customer feedback supports strong local service and clear coverage help across Metairie, New Orleans, Kenner, and nearby areas.
The Badeaux Agency (82% Recommend)
- Scores 4.5 Easy Application and 4.5 Support & Guidance, 4 Recommend % points behind Theresa Hollander.
- Drivers respond well to its local Allstate agency support and help with auto policy decisions.
Direct Auto Insurance (80% Recommend)
- Earns the highest top-3 Easy Application score at 4.6, compared with 4.7 for Theresa Hollander and 4.5 for The Badeaux Agency.
- Customer feedback points to a smooth and fast local process with agents who explain coverage choices clearly.
| Insurer | Type | Easy Application | Terms & Premium Satisfaction | Support & Guidance | Recommend % |
|---|---|---|---|---|---|
| Theresa Hollander, agent, State Farm | Insurer | 4.7 | 4.5 | 4.7 | 86% |
| The Badeaux Agency | Agency | 4.5 | 4.2 | 4.5 | 82% |
| Direct Auto Insurance | Insurer | 4.6 | 4.1 | 4.1 | 80% |
| Freeway Insurance | Agency | 4.5 | 4.1 | 4.2 | 79% |
| State Farm | Insurer | 4.5 | 4.2 | 4.3 | 77% |
| Allstate | Insurer | 4.4 | 4.0 | 4.2 | 76% |
| Progressive | Insurer | 4.6 | 4.0 | 4.0 | 75% |
| Liberty Mutual | Insurer | 4.2 | 3.9 | 4.0 | 74% |
| Farmers Insurance | Insurer | 4.2 | 4.0 | 4.1 | 73% |
| GEICO | Insurer | 4.5 | 3.8 | 3.8 | 72% |
Lafayette Best Car Insurers
MFP’s Community Car Insurance Survey most recommended auto insurance companies in Lafayette’s area are Jeremy Boudreaux, agent, State Farm, Dwight Andrus Insurance and Fontenot Insurance Agency.
Jeremy Boudreaux, agent, State Farm (85% Recommend)
- Ranks first with 4.6 Easy Application, 4.4 Terms & Premium Satisfaction, and 4.7 Support & Guidance, matching the highest Support & Guidance among the top 3.
- Customer feedback supports local help, clear quote access, and dependable guidance for Lafayette drivers.
Dwight Andrus Insurance (83% Recommend)
- Scores 4.4 Easy Application and 4.7 Support & Guidance, tying Jeremy Boudreaux for the highest top-3 guidance score.
- Drivers respond well to the agency’s coverage-matching process and help comparing policy options.
Fontenot Insurance Agency (81% Recommend)
- Earns 4.3 Easy Application and 4.6 Support & Guidance, 2 Recommend % points behind Dwight Andrus Insurance.
- Customer feedback supports practical local assistance and guidance for customers reviewing auto coverage.
| Insurer | Type | Easy Application | Terms & Premium Satisfaction | Support & Guidance | Recommend % |
|---|---|---|---|---|---|
| Jeremy Boudreaux, agent, State Farm | Insurer | 4.6 | 4.4 | 4.7 | 85% |
| Dwight Andrus Insurance | Agency | 4.4 | 4.5 | 4.7 | 83% |
| Fontenot Insurance Agency | Agency | 4.3 | 4.4 | 4.6 | 81% |
| GoAuto Insurance | Insurer | 4.5 | 4.2 | 4.1 | 78% |
| State Farm | Insurer | 4.5 | 4.2 | 4.3 | 77% |
| Allstate | Insurer | 4.4 | 4.0 | 4.2 | 75% |
| Progressive | Insurer | 4.6 | 4.0 | 4.0 | 75% |
| GEICO | Insurer | 4.5 | 3.8 | 3.8 | 72% |
Lakecharles Best Car Insurers
MFP’s Community Car Insurance Survey most recommended auto insurance companies in Lake Charles’s area are Mike Hooks, agent, State Farm, Cason Insurance Agency and Pappalardo Insurance Agency.
Mike Hooks, agent, State Farm (84% Recommend)
- Ranks first with 4.6 Easy Application, 4.4 Terms & Premium Satisfaction, and 4.7 Support & Guidance, matching the highest Support & Guidance among the top 3.
- Customer feedback supports helpful local service and a clear process for drivers reviewing car insurance options.
Cason Insurance Agency (82% Recommend)
- Scores 4.4 Easy Application and 4.7 Support & Guidance, tying Mike Hooks for the highest top-3 guidance score.
- Drivers respond well to its agency model, local knowledge, and help comparing coverage choices.
Pappalardo Insurance Agency (80% Recommend)
- Earns 4.3 Easy Application and 4.6 Support & Guidance, 2 Recommend % points below Cason Insurance Agency.
- Customer feedback points to useful local support and practical guidance on coverage and pricing.
| Insurer | Type | Easy Application | Terms & Premium Satisfaction | Support & Guidance | Recommend % |
|---|---|---|---|---|---|
| Mike Hooks, agent, State Farm | Insurer | 4.6 | 4.4 | 4.7 | 84% |
| Cason Insurance Agency | Agency | 4.4 | 4.4 | 4.7 | 82% |
| Pappalardo Insurance Agency | Agency | 4.3 | 4.3 | 4.6 | 80% |
| GoAuto Insurance | Insurer | 4.5 | 4.2 | 4.1 | 78% |
| State Farm | Insurer | 4.5 | 4.2 | 4.3 | 77% |
| Allstate | Insurer | 4.4 | 4.0 | 4.2 | 75% |
| Progressive | Insurer | 4.6 | 4.0 | 4.0 | 74% |
| GEICO | Insurer | 4.5 | 3.8 | 3.8 | 72% |
Bossiercity Best Car Insurers
MFP’s Community Car Insurance Survey most recommended auto insurance companies in Bossier City’s area are Hudson Silver Insurance Agency, State Farm and Freeway Insurance.
Hudson Silver Insurance Agency (83% Recommend)
- Leads Bossier City with 4.4 Easy Application, 4.5 Terms & Premium Satisfaction, and 4.7 Support & Guidance, the highest Support & Guidance among the top 3.
- Customer feedback supports personalized insurance help and local guidance for drivers comparing coverage.
State Farm (78% Recommend)
- Scores 4.5 Easy Application and 4.3 Support & Guidance, beating Freeway Insurance on Support & Guidance by 0.1 points.
- Drivers respond well to its local-agent network and direct quote process for auto coverage.
Freeway Insurance (78% Recommend)
- Earns 4.5 Easy Application and 4.2 Support & Guidance, matching State Farm’s Easy Application score.
- Customer feedback supports its quote-focused process for drivers looking for coverage options and price comparisons.
| Insurer | Type | Easy Application | Terms & Premium Satisfaction | Support & Guidance | Recommend % |
|---|---|---|---|---|---|
| Hudson Silver Insurance Agency | Agency | 4.4 | 4.5 | 4.7 | 83% |
| State Farm | Insurer | 4.5 | 4.2 | 4.3 | 78% |
| Freeway Insurance | Agency | 4.5 | 4.1 | 4.2 | 78% |
| GoAuto Insurance | Insurer | 4.5 | 4.1 | 4.0 | 76% |
| Allstate | Insurer | 4.4 | 4.0 | 4.2 | 75% |
| Progressive | Insurer | 4.6 | 4.0 | 4.0 | 75% |
| Farmers Insurance | Insurer | 4.2 | 4.0 | 4.1 | 73% |
| GEICO | Insurer | 4.5 | 3.8 | 3.8 | 72% |
Kenner Best Car Insurers
MFP’s Community Car Insurance Survey most recommended auto insurance companies in Kenner’s area are Ben Guillory, agent, State Farm, State Farm and Allstate.
Ben Guillory, agent, State Farm (84% Recommend)
- Ranks first with 4.6 Easy Application, 4.5 Terms & Premium Satisfaction, and 4.7 Support & Guidance, the highest Support & Guidance among the top 3.
- Customer feedback supports experienced local guidance and clear help for drivers in the greater New Orleans and Kenner area.
State Farm (77% Recommend)
- Scores 4.5 Easy Application and 4.3 Support & Guidance, beating Allstate on Support & Guidance by 0.1 points.
- Drivers respond to the local-agent network and direct quote process for auto coverage.
Allstate (75% Recommend)
- Earns 4.4 Easy Application and 4.2 Support & Guidance, 2 Recommend % points below State Farm.
- Customer feedback supports direct insurer access and practical local help reviewing coverage choices.
| Insurer | Type | Easy Application | Terms & Premium Satisfaction | Support & Guidance | Recommend % |
|---|---|---|---|---|---|
| Ben Guillory, agent, State Farm | Insurer | 4.6 | 4.5 | 4.7 | 84% |
| State Farm | Insurer | 4.5 | 4.2 | 4.3 | 77% |
| Allstate | Insurer | 4.4 | 4.0 | 4.2 | 75% |
| Progressive | Insurer | 4.6 | 4.0 | 4.0 | 74% |
| Direct Auto Insurance | Insurer | 4.4 | 4.0 | 3.9 | 72% |
| GEICO | Insurer | 4.5 | 3.8 | 3.8 | 72% |
Monroe Best Car Insurers
MFP’s Community Car Insurance Survey most recommended auto insurance companies in Monroe’s area are State Farm, Shelter Insurance and Allstate.
State Farm (78% Recommend)
- Leads Monroe with 4.5 Easy Application, 4.2 Terms & Premium Satisfaction, and 4.3 Support & Guidance, the highest Support & Guidance among the top 3.
- Customer feedback supports the local-agent model and direct help reviewing auto insurance options.
Shelter Insurance (76% Recommend)
- Scores 4.2 Easy Application and 4.2 Support & Guidance, 2 Recommend % points below State Farm.
- Drivers respond well to agent-based service and practical support with coverage questions.
Allstate (75% Recommend)
- Earns 4.4 Easy Application and 4.2 Support & Guidance, tying Shelter Insurance on Support & Guidance while scoring higher on Easy Application.
- Customer feedback supports direct insurer access and local policy support for auto insurance shoppers.
| Insurer | Type | Easy Application | Terms & Premium Satisfaction | Support & Guidance | Recommend % |
|---|---|---|---|---|---|
| State Farm | Insurer | 4.5 | 4.2 | 4.3 | 78% |
| Shelter Insurance | Insurer | 4.2 | 4.2 | 4.2 | 76% |
| Allstate | Insurer | 4.4 | 4.0 | 4.2 | 75% |
| Progressive | Insurer | 4.6 | 4.0 | 4.0 | 74% |
| Farmers Insurance | Insurer | 4.2 | 4.0 | 4.1 | 73% |
| GEICO | Insurer | 4.5 | 3.8 | 3.8 | 72% |
Alexandria Best Car Insurers
MFP’s Community Car Insurance Survey most recommended auto insurance companies in Alexandria’s area are Risk Services of Louisiana, State Farm and GoAuto Insurance.
Risk Services of Louisiana (82% Recommend)
- Ranks first with 4.3 Easy Application, 4.4 Terms & Premium Satisfaction, and 4.7 Support & Guidance, the highest Support & Guidance among the top 3.
- Customer feedback supports its agency model, especially for drivers who want help comparing options and understanding coverage.
State Farm (78% Recommend)
- Scores 4.5 Easy Application and 4.3 Support & Guidance, 4 Recommend % points behind Risk Services of Louisiana.
- Drivers respond well to the local-agent network and direct quote path for auto coverage.
GoAuto Insurance (77% Recommend)
- Earns 4.5 Easy Application and 4.1 Support & Guidance, matching State Farm’s 4.5 Easy Application score.
- Customer feedback supports a quote-focused process for drivers comparing price and coverage options.
| Insurer | Type | Easy Application | Terms & Premium Satisfaction | Support & Guidance | Recommend % |
|---|---|---|---|---|---|
| Risk Services of Louisiana | Agency | 4.3 | 4.4 | 4.7 | 82% |
| State Farm | Insurer | 4.5 | 4.2 | 4.3 | 78% |
| GoAuto Insurance | Insurer | 4.5 | 4.2 | 4.1 | 77% |
| Allstate | Insurer | 4.4 | 4.0 | 4.2 | 75% |
| Progressive | Insurer | 4.6 | 4.0 | 4.0 | 74% |
| GEICO | Insurer | 4.5 | 3.8 | 3.8 | 72% |
End Note
Meeting the legal minimum keeps you driving, but flood damage, busy highways, and uninsured drivers can lead to bills that go beyond those limits.
Match your coverage to what you own and what a real crash can cost in Louisiana, not just what the law requires.