Car Insurance After an Accident in Louisiana: Rates & Best Companies (2026)
Quick Answer
An at-fault accident in Louisiana increases insurance by 50%, raising full coverage from $3,708/year to $5,562/year. Some companies like Allstate offer accident forgiveness that prevents the first increase.
✓ Updated March 2026✓ Based on state insurance filings
Before Accident
$309/mo
After At-Fault Accident (+50%)
$464/mo
Cheapest Companies After Accident in Louisiana
| Company | Monthly | Annual | Best For |
|---|---|---|---|
| CheapestUSAA | $343/mo | $4,116/yr | Military families |
| Erie Insurance | $366/mo | $4,394/yr | Rate lock guarantee |
| GEICO | $380/mo | $4,561/yr | Clean driving record |
| Progressive | $408/mo | $4,895/yr | Telematics savings |
| State Farm | $422/mo | $5,061/yr | Good students |
| Travelers | $440/mo | $5,284/yr | Multiple discounts |
| Nationwide | $482/mo | $5,784/yr | Bundling home + auto |
| Farmers | $501/mo | $6,007/yr | Signal telematics |
| Allstate | $519/mo | $6,229/yr | Accident forgiveness |
| Liberty Mutual | $547/mo | $6,563/yr | New car replacement |
USAACheapest
Monthly
$343/mo
Annual
$4,116/yr
Best for: Military families
Erie Insurance
Monthly
$366/mo
Annual
$4,394/yr
Best for: Rate lock guarantee
GEICO
Monthly
$380/mo
Annual
$4,561/yr
Best for: Clean driving record
Progressive
Monthly
$408/mo
Annual
$4,895/yr
Best for: Telematics savings
State Farm
Monthly
$422/mo
Annual
$5,061/yr
Best for: Good students
Travelers
Monthly
$440/mo
Annual
$5,284/yr
Best for: Multiple discounts
Nationwide
Monthly
$482/mo
Annual
$5,784/yr
Best for: Bundling home + auto
Farmers
Monthly
$501/mo
Annual
$6,007/yr
Best for: Signal telematics
Allstate
Monthly
$519/mo
Annual
$6,229/yr
Best for: Accident forgiveness
Liberty Mutual
Monthly
$547/mo
Annual
$6,563/yr
Best for: New car replacement
These are estimates based on state averages. Your exact rate depends on your specific profile.
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How to Lower Rates After an Accident
- Take a defensive driving course (5-10% discount in most states)
- Increase your deductible to $1,000 or higher
- Shop around — rates vary 50%+ between companies after an accident
- Ask about accident forgiveness programs
- Bundle home and auto for additional savings
- Maintain continuous coverage without lapses