Car Insurance with Bad Credit in Louisiana (2026)
Quick Answer
Bad credit in Louisiana increases car insurance by 82%, raising full coverage from $3,708/year to $6,749/year.
✓ Updated March 2026✓ Based on state insurance filings
Good Credit
$309/mo
Poor Credit (1.82x)
$562/mo
Best Companies for Bad Credit in Louisiana
| Company | Monthly | Annual | Best For |
|---|---|---|---|
| CheapestUSAA | $416/mo | $4,994/yr | Military families |
| Erie Insurance | $444/mo | $5,332/yr | Rate lock guarantee |
| GEICO | $461/mo | $5,534/yr | Clean driving record |
| Progressive | $495/mo | $5,939/yr | Telematics savings |
| State Farm | $512/mo | $6,142/yr | Good students |
| Travelers | $534/mo | $6,412/yr | Multiple discounts |
| Nationwide | $585/mo | $7,019/yr | Bundling home + auto |
| Farmers | $607/mo | $7,289/yr | Signal telematics |
| Allstate | $630/mo | $7,559/yr | Accident forgiveness |
| Liberty Mutual | $664/mo | $7,964/yr | New car replacement |
USAACheapest
Monthly
$416/mo
Annual
$4,994/yr
Best for: Military families
Erie Insurance
Monthly
$444/mo
Annual
$5,332/yr
Best for: Rate lock guarantee
GEICO
Monthly
$461/mo
Annual
$5,534/yr
Best for: Clean driving record
Progressive
Monthly
$495/mo
Annual
$5,939/yr
Best for: Telematics savings
State Farm
Monthly
$512/mo
Annual
$6,142/yr
Best for: Good students
Travelers
Monthly
$534/mo
Annual
$6,412/yr
Best for: Multiple discounts
Nationwide
Monthly
$585/mo
Annual
$7,019/yr
Best for: Bundling home + auto
Farmers
Monthly
$607/mo
Annual
$7,289/yr
Best for: Signal telematics
Allstate
Monthly
$630/mo
Annual
$7,559/yr
Best for: Accident forgiveness
Liberty Mutual
Monthly
$664/mo
Annual
$7,964/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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