Car insurance costs in Louisiana vary greatly depending on various 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 annually.
We’ve compiled this detailed guide to help you choose the right car insurance in Louisiana. The team at CarInsurance.com has done all the hard work by researching and analyzing insurance prices for different kinds of drivers.
Keep reading to learn how auto insurance in Louisiana works and how much insurance you need.
- Southern Farm Bureau provides the most affordable annual rates for full coverage car insurance in Louisiana, costing $2,121 per year.
- In Louisiana, insurance costs differ depending on factors such as coverage limits, age and location, with key factors including the make/model of your vehicle and your driving history
- Minimum liability coverage in Louisiana costs $722 annually for limits of 15/30/25, while liability-only coverage costs $1,266 per year for limits of 50/100/50.
- In Louisiana, driving incidents can significantly increase premiums, with a speeding ticket raising rates by up to 43%, a DUI raising rates by 57%, and an at-fault accident by up to 62%.
How much is car insurance in Louisiana?
In Louisiana, drivers pay an average of $240 monthly for full coverage car insurance, based on a rate analysis by CarInsurance.com.
Understanding the average insurance cost 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.
Average cost of auto insurance in Louisiana by coverage level
Car insurance costs in Louisiana can differ based on the coverage limit. To legally drive, Louisiana residents must adhere to the minimum liability limits of 15/30/25.
Liability-only insurance policies are the most affordable option and provide the minimum coverage required in Louisiana. However, they don’t offer much protection.
While liability insurance protects you from financial loss by covering legal defense and damages if you’re found responsible for causing injury or property damage to others, it doesn’t protect your vehicle or passengers.
Full coverage car insurance policies are the most expensive but provide much more protection. They cover 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 in the event of an accident up to the limits of their policies.
Full coverage comprises liability, comprehensive, collision and any other coverage required by your state.
In the table below, see the car insurance premiums in Louisiana for three different coverages.
| Coverage Level | Avg. Monthly Cost | Avg. Annual Cost |
|---|---|---|
| State Minimum – Liability Only BI/PD | $60 | $722 |
| Liability Only – 50/100/50 BI/PD | $106 | $1,266 |
| Full Coverage – 100/300/100 Liability BI/PD with $500 Comp/Coll Deductible | $240 | $2,883 |
State minimum car insurance in Louisiana
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 car insurance cost in Louisiana is $722 a year. However, this basic coverage only offers limited protection. Louisiana drivers can choose to add more coverage, such as comprehensive and collision insurance, raise their liability limits and include personal injury protection or other insurance coverage, for better protection.
Drivers in Louisiana must be aware of the minimum car insurance requirements to remain legally compliant.
Liability-only car insurance in Louisiana
According to CarInsurance.com data, liability-only car insurance costs $1,266 in Louisiana for limits 50/100/50.
Liability only pays for damage you cause to other people’s property or for injuries to others in an accident, but it doesn’t cover your passengers’ medical expenses. It’s cheaper than full coverage insurance, but it won’t help if your own car is damaged or stolen.
Full coverage car insurance in Louisiana
The average annual premium in Louisiana is $2,883 for a full coverage policy with 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.
Car insurance experts advise drivers to get full coverage insurance with the highest liability limits they can afford. Full coverage includes liability, comprehensive and collision coverage, with a deductible.
Calculate the cost of car insurance in Louisiana
Insurance costs can vary depending on where you live. An affordable policy for someone in one area might be more expensive for someone living elsewhere.
Different areas pose more or less risk based on crime rate, traffic, car thefts and population density. Insurance companies research each area’s risks and then use that information to determine what they can charge for premiums.
This means that residents in higher-risk neighborhoods in Louisiana have to bear greater financial burdens than those in areas with lower risks.
Our tool lets you quickly obtain insurance quotes for different coverage limits specific to your ZIP code within minutes. Input your ZIP code to see how much you can save on premiums.
Louisiana car insurance rates by ZIP Code
For 30 year old Male ( Liability - Minimum)
Estimate car insurance in Louisiana by car model
Louisiana car insurance providers use the make and model of your vehicle to determine premiums. If you drive a luxury car, which can be expensive to repair, expect to pay more for insurance than cars that are easier and cheaper to fix.
For instance, Maserati, BMW, Porsche and Audi are some of the most expensive cars to insure. Subaru, Hyundai, Honda and Mazda are among the cheapest cars to insure.
Find out how much you’ll pay for car insurance for your vehicle make and model in Louisiana.
Insurance rates by car model
Guide: How to estimate car insurance using our car insurance estimator tool
Car insurance rates by age group in Louisiana
Younger drivers and teenagers typically pay more for insurance than older, more experienced drivers. This is because teenagers are more likely to get into car accidents. In fact, teenagers are four times more likely to crash than drivers who are 20 or 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 have the lowest average auto insurance rates at $2,796 annually.
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:
- For teen drivers: Teens aged 16-19 can expect to pay $8,376 per year for a full coverage car insurance policy.
- For young adults: Drivers aged 20-25 can expect to pay $4,328 yearly for a full coverage policy.
- For average-aged adult drivers: Drivers aged 30 to 60 can expect to pay $2,796 annually in Louisiana.
- For senior drivers: Drivers aged 65 and older can expect to pay $2,747 per year.
Check out our detailed guide on average car insurance rates by age
Rates based on driver profile, history and habits in Louisiana
Having a DUI, speeding ticket or being at fault in an accident can substantially increase your insurance rates. In Louisiana, a DUI conviction often results in higher premiums and you may see an increase of up to 57% as insurers perceive you as a high-risk driver.
If you receive a speeding ticket in Louisiana, be prepared for your car insurance rates to rise by up to 43% when you renew your policy. This increase might last for about three years. However, the exact amount of the increase depends on the specific laws in your state, your insurance provider and your driving record.
Here’s a breakdown of how much your car insurance rate goes up in Louisiana following driving incidents:
- Speeding ticket: Up to 43% increase
- DUI conviction: 57% increase
- At-fault accident (bodily injury and property damage): 62% increase
Even if you’ve received a traffic ticket, comparing quotes can still help you save money.
Car insurance cost in Louisiana for high-risk drivers
In Louisiana, drivers deemed high-risk face higher car insurance premiums due to the increased risk. Factors such as past accidents, traffic infractions and low credit scores significantly affect premium costs.
Luckily, there are ways for high-risk drivers to reduce their premium payments. Shopping around and comparing quotes is a great place to start, as each company will have its own rate structure tailored to individual needs.
Use this tool to compare prices from different companies and find out which is cheaper for drivers with speeding tickets, DUI convictions or at-fault accidents.
Select your state and risk factor below to see the insurance company and its
average annual full coverage rates.
| Company Name | Insurance Rates |
|---|---|
| Southern Farm Bureau | $2,647 |
| USAA | $2,973 |
| Safeway Insurance | $3,931 |
| State Farm | $4,050 |
| Auto Club Enterprises (AAA) | $5,059 |
| Progressive | $5,149 |
| Farmers | $5,245 |
| Geico | $5,452 |
Learn more: The 10 most important factors that affect car insurance rates
Explore car insurance costs in your neighboring states
Compare car insurance quotes in Louisiana
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 you drive, 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 getting 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 |
Car insurance rates by city in Louisiana
Marksville is the priciest city in Louisiana for car insurance, costing an average of $3,420 annually. On the other hand, Sarepta is the most affordable city, where drivers pay an average of $2,452 per year for car insurance.
Car insurance rates vary by city in Louisiana for several 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.
Rates can also be influenced by factors such as uninsured motorist statistics, expenses related to repairs and medical treatment, as well as the overall crime rate in the city.
Find below the average annual car insurance cost for drivers in some of Louisiana’s major cities.
Select your city below to see the insurance company and its average full coverage rates.
| Company Name | Insurance Rates |
|---|---|
| USAA | $2,004 |
| Southern Farm Bureau | $2,517 |
| Geico | $3,223 |
| Farmers | $3,373 |
| Louisiana Farm Bureau | $3,387 |
| Safeway Insurance | $3,768 |
| Progressive | $3,770 |
| State Farm | $4,096 |
How much does car insurance cost in Louisiana per month?
In Louisiana, a full coverage car insurance policy with 100/300/100 limits typically costs about $240 per month.
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.
Alternatively, paying your car insurance in full upon renewal may earn you a discount. Ultimately, the ideal choice depends on your needs and situation.
| Coverage Level | Avg. Monthly Rates |
|---|---|
| State Minimum – Liability Only BI/PD | $60 |
| Liability Only – 50/100/50 BI/PD | $106 |
| Full Coverage – 100/300/100 Liability BI/PD with $500 Comp/Coll Deductible | $240 |
Final thoughts on choosing car insurance in Louisiana
When it comes to car insurance, one size doesn’t fit all. Drivers prioritize different things. Some value top-notch customer service and are willing to pay extra for it. Others focus on finding the cheapest rates possible. Some look for insurance companies with user-friendly mobile apps for managing claims and payments.
Understanding your needs and finding the best insurance policy at a great price are important. So, take your time and check out different options to find the right policy for you.
Resources & Methodology
Sources
- Insurance Institute for Highway Safety. “Teenagers.” Accessed March 2025.
- USAA. “How credit affects insurance premiums.” Accessed March 2025.
Methodology
CarInsurance.com commissioned Quadrant Information Services to get car insurance rates in Louisiana. The average premiums are based on the sample profile of a 40-year-old male and female driving a Honda Accord LX with a good insurance score and a clean driving record.
The rates are for different coverage limits. It includes:
- Full coverage car insurance with a coverage limit of $100,000 in bodily injury per person, $300,000 in bodily injury coverage per accident, $100,000 in property damage coverage per accident and a $500 collision/comprehensive deductible.
- Liability-only car insurance rates with a limit of 50/100/50.
- State minimum coverage limit of 15/30/25.
To evaluate the rates, we have compared 53,409,632 insurance quotes from 75 company groups across 34,588 ZIP codes. The average premiums are for comparison purposes only; your exact rates may vary.
Note: USAA is only available to military community members and their families.
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