Louisiana Auto Insurance Rates
Median premium: $1,142/6mo across 10 carriers and 719 ZIP codes.
Premiums range from $1,142 to $2,486 — a 2.2x spread. Based on SERFF regulatory rate filings — updated March 2026.
Overall Median
$1,142
per 6 months
ZIP Codes
719
with rate data
Carriers
10
rated in LA
Price Spread
2.2x
cheapest to most expensive
Carrier Rankings
All carriers sorted by median 6-month premium. Bar shows relative premium level.
| # | Carrier | Median 6-Mo | Relative Cost | #1 Cheapest In | % of ZIPs |
|---|---|---|---|---|---|
| 1 | Allstate | $828 | 719 ZIPs | 100% | |
| 2 | Farmers | $975 | 0 ZIPs | 0% | |
| 3 | Shelter Insurance | $980 | 0 ZIPs | 0% | |
| 4 | State Farm | $1,024 | 0 ZIPs | 0% | |
| 5 | GEICO | $1,114 | 0 ZIPs | 0% | |
| 6 | Progressive | $1,169 | 0 ZIPs | 0% | |
| 7 | Nationwide | $1,225 | 0 ZIPs | 0% | |
| 8 | Travelers | $1,247 | 0 ZIPs | 0% | |
| 9 | USAA | $1,252 | 0 ZIPs | 0% | |
| 10 | Liberty Mutual | $1,281 | 0 ZIPs | 0% |
1
$828Allstate#1 in 719 ZIPs (100%)
2
$975Farmers#1 in 0 ZIPs (0%)
3
$980Shelter Insurance#1 in 0 ZIPs (0%)
4
$1,024State Farm#1 in 0 ZIPs (0%)
5
$1,114GEICO#1 in 0 ZIPs (0%)
6
$1,169Progressive#1 in 0 ZIPs (0%)
7
$1,225Nationwide#1 in 0 ZIPs (0%)
8
$1,247Travelers#1 in 0 ZIPs (0%)
9
$1,252USAA#1 in 0 ZIPs (0%)
10
$1,281Liberty Mutual#1 in 0 ZIPs (0%)
Geographic Insights
Cheapest Cities in Louisiana
| City | Avg Median | ZIPs |
|---|---|---|
| Lafayette | $1,142 | 12 |
| Abbeville | $1,142 | 2 |
| Arnaudville | $1,142 | 1 |
| Avery Island | $1,142 | 1 |
| Baldwin | $1,142 | 1 |
Most Expensive Cities in Louisiana
| City | Avg Median | ZIPs |
|---|---|---|
| Varnado | $1,678 | 1 |
| Tickfaw | $1,678 | 1 |
| Tangipahoa | $1,678 | 1 |
| Talisheek | $1,678 | 1 |
| Sun | $1,678 | 1 |
ZIP Code Extremes
Most Expensive ZIP
$2,216/6mo
71301 (Alexandria)
Cheapest ZIP
$1,142/6mo
70501 (Lafayette)
2.2x
Price Spread
The most expensive ZIP in Louisiana costs 2.2x more than the cheapest. Your ZIP code matters more than you think.
Louisiana Auto Insurance FAQ
ZIP Code Lookup
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All carriers in Louisiana
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Access ZIP-level rate data across all 10 carriers, 719 ZIP codes, multiple vehicles, and 3 coverage tiers. Updated within days of each new filing.
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