2 carriers raised and 10 carriers cut Louisiana auto rates in 2026. The fastest way to stop overpaying is to compare carriers for your ZIP — the cheapest options in Louisiana are below.
Cheapest car insurance carriers in Louisiana right now
Estimated annual premiums for a standard profile, cheapest first — Louisiana averages about $4,612/yr. The spread between carriers is wide, so shopping is how you beat a rate hike.
| # | Carrier | Est. annual | vs avg |
|---|---|---|---|
| 1 | USAA | $2,989/yr | Save $1,457 |
| 2 | Travelers | $3,560/yr | Save $886 |
| 3 | GEICO | $3,736/yr | Save $710 |
| 4 | Root Insurance | $3,768/yr | Save $678 |
| 5 | Progressive | $4,243/yr | Save $203 |
| 6 | The Hartford | $4,649/yr | +$203 |
| 7 | State Farm | $4,667/yr | +$221 |
| 8 | Nationwide | $4,820/yr | +$374 |
| 9 | Kemper | $4,843/yr | +$397 |
| 10 | National General | $4,986/yr | +$540 |
Carriers that raised Louisiana rates in 2026
| Carrier | Change | Effective | Affected | % of brand | Source |
|---|---|---|---|---|---|
| GEICO GEICO Advantage Insurance Company | +7.8% | Mar 17, 2026 | 26,816 | — | SERFF #GECC-134834194 ↗ |
| American National American National Property And Casualty | +5.0% | Apr 3, 2026 | 4,212 | — | SERFF #ANPC-134762926 ↗ |
Carriers that cut Louisiana rates in 2026
| Carrier | Change | Effective | Affected | % of brand | Source |
|---|---|---|---|---|---|
| Safeway Safeway Insurance Company of Louisiana | −5.8% | Dec 1, 2025 | 5,228 | — | SERFF #PERR-134665768 ↗ |
| Encompass (National General) | −15.0% | Dec 8, 2025 | 1,516 | — | Louisiana Dept. of Insurance |
| Louisiana Farm Bureau Southern Farm Bureau Casualty Insurance | −11.8% | Jan 1, 2026 | 80,000 | — | SERFF #SFBC-134913662 ↗ |
| State Farm State Farm Mutual Automobile Insurance | −5.8% | Jan 1, 2026 | 1,044,832 | — | SERFF #SFMA-134723185 ↗ |
| Shelter | −2.4% | Jan 2, 2026 | 49,068 | — | SERFF #SHEL-134694255 ↗ |
| Allstate North American | −7.6% | Jan 8, 2026 | 10,746 | — | Louisiana Dept. of Insurance |
| Imperial Imperial Fire and Casualty Insurance Company | −2.9% | Jan 15, 2026 | 32,712 | — | SERFF #GMMX-134796306 ↗ |
| Progressive Security | −6.6% | Jan 16, 2026 | 270,000 | — | Louisiana Dept. of Insurance |
| Progressive Paloverde | −4.0% | Jan 16, 2026 | 200,000 | — | Louisiana Dept. of Insurance |
| Root | −1.6% | Apr 24, 2026 | 4,127 | — | SERFF #CLIN-134871980 ↗ |
Are you actually getting the new rate?
Approved changes are statewide averages, and a cut usually reaches new buyers first — existing customers often don’t see it until their next renewal, if at all. For example, Progressive Security’s cut took effect for new customers on Jan 16, 2026 but existing customers only at renewals starting Feb 13, 2026. The only way to know you’re on the best current price is to re-shop.
Filing figures are filed/approved statewide averages from each state’s Department of Insurance; rankings are directional estimates. “Affected” counts are policyholders or insured vehicles as stated in each filing. Your individual rate varies by risk profile. Each filing links to its source. Not a quote.