Shivani Gite is a personal finance and insurance writer with a degree in journalism and mass communication. She is passionate about making insurance topics easy to understand for people and helping them make better financial decisions. When not writing, you can find her reading a book or watching anime.
Reviewed by: Laura Longero Executive EditorLaura is an award-winning editor with experience in content and communications covering auto insurance and personal finance. She has written for several media outlets, including the USA Today Network. She most recently worked in the public sector for the Nevada Department of Transportation.
Whether you’re new to the state and looking for auto insurance coverage, or you’ve lived in Louisiana for years and want to find out how much car insurance costs in Louisiana, you can find the information you need here.
Car insurance quotes in Louisiana vary greatly depending on a variety of factors, including the type of coverage you choose, coverage limits, your address and personal factors. Southern Farm Bureau offers the cheapest annual rates for full coverage car insurance in Louisiana at $2,121 per year.
This comprehensive guide to buying car insurance for Louisiana drivers is based on 2023 data research and expert advice from CarInsurance.com’s team of insurance analysts and editors. We spent countless hours doing the homework for you and analyzed rates for various driver demographics to show you what you can expect to pay.
Keep reading to learn how auto insurance in Louisiana works and how much insurance you need.
Written by: Shivani Gite Contributing WriterShivani Gite is a personal finance and insurance writer with a degree in journalism and mass communication. She is passionate about making insurance topics easy to understand for people and helping them make better financial decisions. When not writing, you can find her reading a book or watching anime.
Reviewed by: Laura Longero Executive EditorLaura is an award-winning editor with experience in content and communications covering auto insurance and personal finance. She has written for several media outlets, including the USA Today Network. She most recently worked in the public sector for the Nevada Department of Transportation.
Table of Contents Table of ContentsIn Louisiana, drivers pay an average of $240 monthly for full coverage car insurance, based on a 2023 rate analysis by CarInsurance.com.
Understanding the average cost of insurance can give you a head start in budgeting for your coverage. It’s important to consider that premium costs vary from person to person and will depend largely on the make/model of your car, your driving record and other factors.
You might also likeAuto insurance rates in Louisiana can differ based on the coverage limit. In Louisiana, drivers must abide by the minimum liability limits of 15/30/25 to legally drive on the road.
Liability-only policies are the cheapest, offering bare-bones protection that meets Louisiana’s financial responsibility laws – but they don’t offer much protection. Full coverage car insurance policies are the most expensive but provide much more protection, covering your own vehicles from accidents, theft, natural disasters and animal strikes. With a full coverage insurance policy, drivers can be confident that they’re protected up to the limits of their policies in the event of an accident.
Below are the Louisiana car insurance costs for three different coverage levels.
| Coverage Level | Avg. Monthly Cost | Avg. Annual Cost |
|---|---|---|
| State Minimum Liability Only | $60 | $722 |
| 50/100/50 Liability Only | $106 | $1,266 |
| 100/300/100 Liability with $500 Comp/Coll Deductible | $240 | $2,883 |
In Louisiana, minimum car insurance requirements include $15,000 of bodily injury liability per person, $30,000 of bodily injury liability per accident, and $25,000 of property damage liability.
The state minimum coverage in Louisiana costs $722 a year. But state minimum coverage isn’t much protection for drivers. Louisiana drivers may purchase additional coverage options, such as comprehensive and collision insurance, increase their liability limits and add personal injury protection or other endorsements for extra protection.
It is important for drivers in Louisiana to be aware of the minimum car insurance requirements to remain legally compliant.
In Louisiana, liability-only car insurance costs $1,266 for the limits 50/100/50, according to a 2023 CarInsurance.com data analysis.
This policy covers the cost of damages caused to others but not damages to the driver’s vehicle or passengers. While it usually is less expensive than a full coverage plan, liability-only insurance does not protect against an accident or theft of the insured vehicle.
On average, premiums for full coverage car insurance in Louisiana costs around $2,883 per year for the limits of 100/300/100 – $100,000 in bodily injury coverage, $300,000 in bodily injury coverage per accident and $100,000 in property damage coverage.
Experts recommend that drivers purchase full coverage insurance with as high of liability limits as they can afford to stay protected against unexpected events.
Full coverage car insurance policies include liability, comprehensive and collision coverage and a $500 deductible.
A policy perfect for someone living in one ZIP code might be priced high for a driver living in another.
Different areas pose more or less risk based on factors like crime rate, traffic, car thefts and population density. Insurance companies research each area’s risks and then use that knowledge to determine what they can charge for premiums.
As a result, people living in higher-risk neighborhoods of Louisiana have to pay more than those living where the risks are lower.
With our easy-to-use tool, you can get insurance quotes for different coverage limits for your ZIP code in minutes. Just enter your ZIP code into our free tool to see how much you can save.
How do I use the calculatorState Minimum: Required liability coverage to drive legally in your state; some states mandate additional coverage, such as personal injury protection, uninsured motorist, underinsured motorist. Liability Only 50/100/50: $50,000 per person/$100,000 maximum per accident for bodily injury; $50,000 for property damage. Liability pays for injuries/damage you cause others. Full Coverage 100/300/100: $100,000 per person/$300,000 maximum per accident for bodily injury; $100,000 for property damage; comprehensive and collision coverage with $500 deductible. Liability pays for injuries/damage you cause others. Comprehensive and collision pay for damage to your car.
70117, New Orleans, For 30 Year Old Male (Type: Liability - Minimum ) Average Monthly Premium Highest Rate Lowest Rate Compare personalized quotes from up to 20 companies in Louisiana now Methodology How we researched it?CarInsurance.com commissioned Quadrant Information Services to provide a report of average auto insurance rates for a 2017 Honda Accord for nearly every ZIP code in the United States. We calculated rates using data for up to six large carriers. Averages for the default result are based monthly insurance for a male driver, age 30, for state minimum required liability coverage. Averages for customized rates are based on drivers’ ages and gender for the following coverage levels: state minimum liability, liability of 50/100/50 and 100/300/100 with $500 deductible on comprehensive and collision. These hypothetical drivers have clean records and good credit. Average rates are for comparative purposes. Your own rate will depend on your personal factors and vehicle.
How do I use the calculator to get average car insurance rates?Enter a ZIP code in the tool below to see the average premium for the location. You will also see the highest and lowest rates from the six major carriers surveyed. You can get a more customized rate by choosing from among six age groups and three coverage levels. This way you can tell if your quotes are too high and if you should keep shopping for a lower rate.
Car insurers in Louisiana use the make and model of your car to determine your insurance rates. Cars deemed more expensive to repair, such as luxury cars and EVs, may cause your rates to be higher than those that may cost less to fix.
For instance, cars like Maserati, BMW, Porsche and Audi are some of the most expensive cars to insure. Subaru, Hyundai, Honda and Mazda are on the list of the cheapest cars to insure.
See how much you’ll pay for car insurance for your specific make and model in 2023 in Louisiana.
L O A D I N GAs drivers age, their auto insurance premiums change – with younger and teen drivers paying higher rates than experienced drivers. The crash rate for teen drivers is four times higher than that of drivers 20 and older, according to the Insurance Institute for Highway Safety.
Car insurance companies know teen drivers are less experienced and riskier to insure. Louisiana drivers aged 30 to 60 garner the lowest average auto insurance costs across all ages at $2,796 a year.
Drivers aged 16-19 pay $5,580 more for car insurance than Louisiana drivers aged 30-60 per year.
See the average rates by age group below:
Please enter the correct format
Our apologies, we cannot display the data due to availability or spelling errors. Please check the spelling and try again. For assistance, reach out us via contact-us page.
Alabama $155/month Alaska $140/month Arizona $151/month Arkansas $163/month California $201/month Colorado $195/month Connecticut $144/month Delaware $172/month Florida $224/month Georgia $164/month Hawaii $126/month Idaho $119/month Illinois $128/month Indiana $126/month Iowa $136/month Kansas $158/month Kentucky $186/month Maine $98/month Maryland $145/month Massachusetts $144/month Michigan $189/month Minnesota $159/month Mississippi $167/month Missouri $165/month Montana $183/month Nebraska $159/month Nevada $172/month New Hampshire $105/month New Jersey $159/month New Mexico $171/month New York $156/month North Carolina $145/month North Dakota $139/month Ohio $118/month Oklahoma $178/month Oregon $140/month Pennsylvania $156/month Rhode Island $172/month South Carolina $167/month South Dakota $190/month Tennessee $140/month Texas $170/month Utah $152/month Vermont $110/month Virginia $122/month Washington $134/month Washington D.C. $180/month West Virginia $167/month Wisconsin $139/month Wyoming $146/monthIf your driving record includes a DUI, speeding ticket or an at-fault accident, your rates will increase significantly. A DUI conviction in Louisiana triggers higher insurance rates because insurers see you as a risky driver.
Similarly, if you get a speeding ticket in Louisiana, chances are you’ll see an increase in what you pay for car insurance by up to 43% upon your policy renewal. Typically, you’ll pay more for three years. However, your rate increase also depends on the state laws, your insurance company and your driving record.
Here is how much your car insurance rate increases in Louisiana after driving incidents:
But even with a traffic ticket, comparison shopping can save you money.
In Louisiana, high-risk drivers pay more for car insurance than other drivers, as they are considered a greater risk. Factors like prior accident history, traffic violations and poor credit scores influence how much the policyholder will pay for insurance coverage.
Luckily, there are ways for high-risk drivers to reduce the amount they must pay for premiums. Shopping around and comparing quotes is a great place to start, as each company will have its own rate structure specifically tailored to individual needs.
Use the tool below to see which company offers cheaper rates for drivers with speeding tickets, DUI convictions and at-fault accidents.
Average cost of car insurance in Louisiana for high-risk driverSelect your state and risk factor below to see the insurance company and its
average annual full coverage rates.
| Company Name | Insurance Rates |
|---|---|
| USAA | $2,579 |
| State Farm | $2,580 |
| Progressive | $5,399 |
| Auto Club Enterprises | $6,285 |
| Geico | $8,505 |
Drivers in Louisiana can save hundreds of dollars by shopping around and comparing quotes. While many factors influence the cost of your car insurance, from driving record to the type of car, there are many options to get the coverage you need at a price that works for you.
Start your search for the best car insurance policy in Louisiana by gathering quotes from several insurers for comparison.
Below is a breakdown of car insurance companies in Louisiana and their average annual premiums.
| Company | State Minimum | 50/100/50 | 100/300/100 |
|---|---|---|---|
| Southern Farm Bureau | $427 | $916 | $2,121 |
| Geico | $507 | $1,164 | $2,983 |
| Farmers | $1,159 | $1,526 | $3,002 |
| Progressive | $596 | $1,309 | $3,065 |
| LA Farm Bureau | $800 | $1,148 | $3,122 |
| Safeway Insurance | $918 | $1,302 | $3,191 |
| Auto Club Enterprises (AAA) | $797 | $1,752 | $3,473 |
| State Farm | $867 | $1,525 | $3,570 |
| USAA | $566 | $956 | $1,973 |
Marksville is the most expensive city in Louisiana with an average car insurance rate of $3,420 a year. Sarepta is the cheapest city for Louisiana drivers at an average rate of $2,452 annually.
Car insurance rates vary by city in Louisiana for a number of reasons. One of the most significant factors is traffic congestion. Areas with more traffic typically have higher rates of accidents and claims, which leads to higher premiums.
Other factors that can affect rates include the number of uninsured drivers, the cost of repairs and medical bills and the crime rate in the city.
Below, you’ll see the average annual car insurance cost of major cities in Louisiana.
Average cost of car insurance in Louisiana by citySelect your city below to see the insurance company and its average full coverage rates.
Average Annual Rate of Car Insurance in Ruston, LA is $1,929 Show Graph View| Company Name | Insurance Rates |
|---|---|
| Southern Farm Bureau | $1,072 |
| USAA | $1,382 |
| State Farm | $1,769 |
| Geico | $1,847 |
| Safeway Insurance | $2,182 |
| Progressive | $2,231 |
| Auto Club Enterprises (AAA) | $3,020 |
Car insurance in Louisiana costs around $240 a month on average for a full coverage policy with limits of 100/300/100.
For some people, it is better to pay car insurance monthly because it gives them more flexibility in their budget. They can spread the cost over a longer period of time and don’t have to worry about a large lump sum payment.
On the other hand, paying for car insurance in full at renewal time can often result in a discount.
Ultimately, your best option will depend on your needs and circumstances.
| Coverage Level | Avg. Monthly Cost |
|---|---|
| State Minimum Liability Only | $60 |
| 50/100/50 Liability Only | $106 |
| 100/300/100 Liability with $500 Comp/Coll Deductible | $240 |
There’s no one best car insurance for everyone. Some drivers are willing to pay more for outstanding customer service, some want the lowest rates, others prefer carriers who can handle claims and payments through mobile apps and some prefer agents.
Ultimately, understanding your needs to find the best policy at the most competitive price is key. Shop around for a good deal that provides peace of mind when hitting the open road in Louisiana.
Insurance Institute for Highway Safety. “Teenagers.” Accessed April 2024.
CarInsurance.com commissioned Quadrant Information Services to pull rates for 40-year-old male and female drivers driving a Honda Accord LX with good insurance scores and no violations on record. The analysis covered a full coverage insurance policy with limits of 100/300/100 and a $500 comprehensive and collision deductible. We analyzed 53,409,632 records across approximately 35,000 ZIP codes and 170 insurance companies nationwide.
Ask the Insurance Expert
Laura is an award-winning editor with experience in content and communications covering auto insurance and personal finance. She has written for several media outlets, including the USA Today Network. She most recently worked in the public sector for the Nevada Department of Transportation.
Ask the Insurance Expert
John is the editorial director for CarInsurance.com, Insurance.com and Insure.com. Before joining QuinStreet, John was a deputy editor at The Wall Street Journal and had been an editor and reporter at a number of other media outlets where he covered insurance, personal finance, and technology.
Ask the Insurance Expert
Leslie Kasperowicz is an insurance educator and content creation professional with nearly two decades of experience first directly in the insurance industry at Farmers Insurance and then as a writer, researcher, and educator for insurance shoppers writing for sites like ExpertInsuranceReviews.com and InsuranceHotline.com and managing content, now at CarInsurance.com.
Ask the Insurance Expert
Nupur Gambhir is a content editor and licensed life, health, and disability insurance expert. She has extensive experience bringing brands to life and has built award-nominated campaigns for travel and tech. Her insurance expertise has been featured in Bloomberg News, Forbes Advisor, CNET, Fortune, Slate, Real Simple, Lifehacker, The Financial Gym, and the end-of-life planning service.
Ask our experts✓ Thank You, Your message has been received. Our team of auto insurance experts typically answers questions within five working days. Note that due to the volume of questions we receive, not all may be answered. Due to technical error, please try again later. ↻ Ask another question
Shivani Gite is a personal finance and insurance writer with a degree in journalism and mass communication. She is passionate about making insurance topics easy to understand for people and helping them make better financial decisions. When not writing, you can find her reading a book or watching anime.
Copyright © 2024 CarInsurance.com. All Rights Reserved.Disclaimer: The advertisers appearing on this website are clients from which QuinStreet receives compensation (“Sponsors”). Compensation may impact where the Sponsors appear on this website (including the order in which they appear). Our websites do not, and are not intended to, provide a comprehensive list of all companies that may provide the products and services you are seeking.
*Carinsurance.com is not affiliated with any state or government agency. Advertised example rates are returned based on the driver's self-reported data, by comparing their current reported premium against their new policy premium, and the driver meeting certain criteria. Also, safe driver and other discounts may have been applied to achieve the advertised rate, which may not be available to the average consumer. Your actual quoted rate may vary greatly and may be subject to adjustment based on verification of your self-reported data.
Advertised example rates are returned based on the driver's self-reported data and the driver meeting certain criteria. Also, safe driver and other discounts may have been applied to achieve the advertised rate, which may not be available to the average consumer. Your actual quoted rate may vary greatly and may be subject to adjustment based on verification of your self-reported data.
