Progressive Auto Insurance in Louisiana
Progressive is the largest U.S. auto insurer (~14% market share, edging GEICO since 2023). Its Snapshot telematics program is the longest-running usage-based pricing tool in the country. Here's what Progressive typically costs in Louisiana for 2026 — plus the 3 cheaper alternatives most Louisiana drivers overlook.
Estimated annual premium
$2,500
Estimated monthly
$208
Louisiana state avg
$2,750
vs Louisiana avg
-9%
Why drivers pick Progressive
Snapshot telematics commonly delivers 10-30% discounts for low-mileage and conservative drivers — the deepest savings in the market for usage-based pricing.
Where Progressive falls short
Initial quotes for high-risk drivers (poor credit, recent claims) often run above peer carriers; competitive renewal pricing is more important than initial savings here.
Louisiana minimum coverage requirements
- Bodily Injury Liability: 15/30 thousand per person / per accident
- Property Damage Liability: $25K
Top-2 most expensive state. Litigation environment, hurricane risk, and direct-action statute drive rates.
Cheaper alternatives to Progressive in Louisiana
Based on CarSavr's rate modeling, the 3 carriers below typically come in below Progressive for a comparable driver profile in Louisiana. Always quote multiple carriers — your actual savings depend on ZIP, vehicle, and driving record.
Progressive discounts available to Louisiana drivers
Progressive Louisiana rates by vehicle class
Vehicle class is one of the strongest premium drivers — pickups + EVs cost 15-25% more to insure than sedans. See the Progressive Louisiana estimate for each class:
Progressive Louisiana rates by driver profile
Driver classification is one of the strongest premium drivers — young drivers pay 2x adult rates, while seniors and low-mileage retirees save 8-18%. See the Progressive Louisiana estimate for each profile:
+100% vs standard
Progressive New Driver insurance
Louisiana · 16-24
-8% vs standard
Progressive Senior Driver insurance
Louisiana · 65+
+55% vs standard
Progressive SR-22 High-Risk insurance
Louisiana · any (SR-22 required)
-18% vs standard
Progressive Low-Mileage Driver insurance
Louisiana · any (<7,500 mi/yr)
Frequently asked questions
How much does Progressive auto insurance cost in Louisiana?
Based on CarSavr's 2026 rate modeling, a typical full-coverage policy with Progressive in Louisiana runs about $2,500/year (~$208/month) for a 35-year-old driver with a clean record and 720+ FICO. Your actual quote will vary based on ZIP code, vehicle, mileage, and coverage selections — typically by ±15-25%.
Is Progressive cheaper than other carriers in Louisiana?
Yes — Progressive typically runs about 9% below the Louisiana state average ($2,750/year for all carriers combined). The cheaper alternatives in Louisiana are typically USAA, Erie, GEICO. Whether Progressive is right for you depends more on your driver profile (clean record, military eligibility, low mileage) than on the headline rate.
What are the Louisiana minimum coverage requirements?
Louisiana requires at least 15/30 thousand in bodily-injury liability per person/per accident and $25K in property-damage liability. Louisiana is not a no-fault state, so PIP is optional but recommended for added medical coverage. Top-2 most expensive state. Litigation environment, hurricane risk, and direct-action statute drive rates.
Does Progressive offer discounts to Louisiana drivers?
Progressive offers 6+ discounts that Louisiana drivers can stack: Snapshot (telematics), Multi-policy, Continuous insurance, Sign online, Pay in full, Homeowner. The combined discount stack typically lands at 15-25% off the base rate for an eligible profile. The exact set available varies by ZIP code and state filing — confirm with a quote.
Methodology: Estimated annual premium is computed as Progressive's national average ($1,633) multiplied by Louisiana's state-vs-national premium index ($2,750 ÷ national average $1,789 ≈ 1.54x). Actual quotes vary by ±15-25% based on driver age, ZIP code, vehicle, mileage, and coverage selections. Sources: NAIC rate-filings 2023-2024, J.D. Power 2024 U.S. Auto Insurance Study, individual carrier rate filings. Progressive J.D. Power score: 829/1000. A.M. Best rating: A+ (2024).