Compare Livingston, LA Car Insurance Rates (2021)

The cheapest Livingston, LA car insurance is offered by State Farm, but rates will vary by driver. Auto insurance in Livingston must meet the state minimum requirements of 15/30/25 in liability coverage, although drivers are encouraged to carry more coverage. Compare online rates to find the best Livingston, LA car insurance rates for you.

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Zaneta Wood, Ed.S. has over 15 years of experience in research and technical writing bringing a keen understanding of data analysis and information synthesis to reach a wide variety of audiences. She studied adult education and instructional technology at Appalachian State University as well as technical and professional communication at East Carolina University. Zaneta has prepared technical p...

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Joel Ohman is the CEO of a private equity backed digital media company. He is a CERTIFIED FINANCIAL PLANNER™, author, angel investor, and serial entrepreneur who loves creating new things, whether books or businesses. He has also previously served as the founder and resident CFP® of a national insurance agency, Real Time Health Quotes. He has an MBA from the University of South Florida. Jo...

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Founder & CFP®

UPDATED: Mar 19, 2021

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Here's what you need to know...

  • State Farm is the cheapest Livingston, LA car insurance company that offers coverage to all drivers
  • Livingston is very close to Baton Rouge and shares some of the traffic and theft from the larger city
  • Louisiana has some of the highest car insurance rates in the country

Livingston, LA car insurance is very expensive. This isn’t surprising since average Louisiana car insurance is some of the most expensive in the U.S.

The good news is that you can still find affordable Livingston, LA car insurance if you shop around and compare companies.

Enter your ZIP code now to compare Livingston, LA car insurance rates today.

What is the cheapest car insurance company in Livingston, LA?

Although USAA is actually the cheapest car insurance company, it only offers coverage to the military, veterans, and their families. The Livingston company that offers the cheapest coverage to everyone is State Farm.

These are the top Livingston, LA car insurance companies listed from cheapest annual rates to most expensive:

  • USAA – $4,834.88
  • State Farm – $5,210.24
  • GEICO – $6,055.90
  • Allstate – $6,558.76
  • Progressive – $8,653.34

There are many factors that go into calculating your car insurance rates. Your age, gender, driving record, and credit history all play a part in how much you pay.

Where you live can also be a big factor. If you live in or near a big city with lots of traffic and crime, you will pay higher rates.

For example, Livingston is near Baton Rouge so drivers pay higher rates. Lafayette, LA is larger than Livingston but much smaller than Baton Rouge. Lafayette car insurance is much cheaper since it is not near another large city.

LA weather also affects your auto insurance rates. Since Louisiana is prone to hurricanes, insurance companies can raise your rates to cover damages. Consider adding comprehensive coverage to your auto insurance policy so that you don’t have to pay out of pocket for damages from nature.

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What car insurance coverage is required in Livingston, LA?

Most states, including Louisiana, require drivers to carry at least a minimum amount of car insurance.

Auto insurance in Livingston, LA must include:

  • $15,000 per person and $30,000 per incident for bodily injury liability
  • $25,000 per incident for property damage

This is very little coverage and will be exhausted quickly if you are in a serious accident. That will leave you paying thousands of dollars out of pocket. Consider increasing your limits and adding coverages to be fully insured.

About 13 percent of drivers in Louisana are uninsured so you might want to add uninsured/underinsured motorist coverage to your policy as well.

What affects car insurance rates in Livingston, LA?

Traffic can have a big impact on your auto insurance rates. More cars on the road equal a higher chance of an accident.

INRIX doesn’t have information about Livingston, LA, but it does rank nearby Baton Rouge as the 31st most congested city in the U.S.

City-Data reports that most drivers in Livingston commute around 20 minutes.

Theft can also increase your auto insurance rates. Although the FBI doesn’t report data for Livingston, it does show that in one year there were 991 motor vehicle thefts in nearby Baton Rouge.

Livingston, LA Car Insurance: The Bottom Line

Livingston, LA car insurance is very expensive, but State Farm offers the cheapest average rates.

Before you buy Livingston, LA car insurance, shop around and compare rates. Each company will offer a different rate so look at multiple companies to find the best deal for you.

Enter your ZIP code now to compare free Livingston, LA car insurance quotes.

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Enter your ZIP code below to view companies that have cheap car insurance rates.

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