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.
This guide makes buying car insurance in Louisiana easy. We’ve done the hard work by researching and analyzing what different drivers might pay for insurance.
Keep reading to learn how car insurance works in Louisiana and how much 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 help you budget effectively for your coverage. Remember that insurance premiums can differ significantly based on your vehicle’s make and model and your driving history.
Average cost of auto insurance in Louisiana by coverage level
In Louisiana, car insurance rates can differ depending on how much coverage you choose. Drivers in Louisiana are required by law to have minimum insurance coverage limits of 15/30/25 to drive legally.
Liability-only insurance is the least expensive coverage and meets the minimum legal requirements in Louisiana, but it doesn’t offer adequate 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.
On the other hand, full coverage car insurance is more expensive, but it offers extensive protection. It helps cover your vehicle in case of accidents, theft, natural disasters, and animal collisions. Full coverage can make you feel more secure, knowing you’re well-protected if something happens.
Full coverage car insurance 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
Louisiana laws mandate that all drivers carry insurance with minimum liability limits of $15,000 for bodily injury liability per person, $30,000 for bodily injury liability per accident and $25,000 for property damage liability.
In Louisiana, you can get state minimum car insurance for $722 per year. However, this minimum coverage doesn’t offer enough protection. Drivers can add other types of insurance, such as comprehensive and collision, increase their liability limits and buy personal injury coverage for added protection.
Drivers in Louisiana must be aware of the minimum car insurance requirements to remain legally compliant.
Liability-only car insurance in Louisiana
Liability-only car insurance costs $1,266 in Louisiana for coverage limits of 50/100/50, according to CarInsurance.com data.
Liability-only insurance helps cover the costs if you damage someone else’s car or injure someone in an accident. It’s more affordable than full coverage insurance, but remember, it doesn’t pay for repairs to your vehicle or cover injuries to your passengers.
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.
Experts recommend that drivers purchase full coverage insurance with the highest liability limits they can afford to be financially protected. Full coverage car insurance policies include liability, comprehensive and collision coverage.
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Calculate the cost of car insurance in Louisiana
A policy that is perfect for someone living in one ZIP code might be expensive for a driver living in another.
Insurance companies assess various factors, such as crime rates, traffic conditions, car theft incidents and population density, to evaluate the level of risk in different areas and determine car insurance premiums.
As a result, people living in higher-risk neighborhoods of Louisiana have to pay more than those living where the risks are lower.
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
Estimate car insurance in Louisiana by car model
In Louisiana, car insurance costs depend on the type of car you drive. If you have a luxury or electric vehicle that’s more expensive to repair, you’ll pay higher insurance rates than someone with a car that’s cheaper to repair.
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
As 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 aged 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 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
If your driving record includes a DUI, speeding ticket or an at-fault accident, your rates will increase significantly. A DUI conviction in Louisiana can increase your premiums by up to 57% because insurers see you as a risky driver.
If you get caught speeding in Louisiana, your car insurance rates will increase by 43% when you renew your policy. Typically, you’ll pay the increased premiums for three years. But how much your rates go up can vary depending on the laws in your state, the insurance company you’re with, and your driving history.
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, if you’re a high-risk driver, you’ll pay more for car insurance. Factors such as past accidents, speeding tickets, and having a low credit score can increase your insurance costs.
High-risk drivers can lower their insurance premiums by comparing price quotes from different insurance companies. Each company offers different prices, so shopping around and finding the best deal that fits your needs is a good idea.
Use the tool below to see which company offers cheaper rates for drivers with speeding tickets, DUI convictions and 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
Average car insurance cost in different states of U.S.
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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 Compare car insurance quotes in Louisiana
In Louisiana, drivers can save on their premiums by comparing insurance quotes from different carriers. The cost of car insurance can vary based on several factors, including your driving history and the model of your car. Comparing multiple options allows you to find the right policy at an affordable price.
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 Louisiana’s most expensive city for car insurance at an average cost of $3,420 annually. Sarepta is the state’s least expensive city, with an average car insurance rate of $2,452 annually.
Car insurance costs differ from city to city in Louisiana, mainly because of traffic congestion. Cities with more traffic usually see more accidents and insurance claims, which makes insurance more expensive.
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?
The average cost of a full-coverage car insurance policy in Louisiana costs $240 monthly for coverage limits of 100/300/100.
Opting for monthly car insurance payments can be a budget-friendly strategy for some people. It allows for spreading the cost throughout the year, making it easier to manage than a hefty annual payment. This approach provides more flexibility and avoids the burden of a large upfront sum.
While paying your car insurance in full upfront at renewal can sometimes get you a discount, the best choice will depend on your 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
The ideal car insurance company varies depending on what matters most to you. Some prioritize excellent customer service, even if it costs slightly more. Others focus on finding the cheapest rates. Some drivers also value the convenience of handling everything through a mobile app, while some prefer the personalized touch of a dedicated agent.
It’s really important to figure out what you need and find the best insurance policy for your car without breaking the bank while driving in Louisiana.
Resources & Methodology
Sources
- Insurance Institute for Highway Safety. “Teenagers.” Accessed September 2024.
- USAA. “How credit affects insurance premiums.” Accessed September 2024.
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.
Ask the Insurance Expert
Laura Longero
Executive Editor
Laura Longero is an insurance expert and Executive Editor at CarInsurance.com, where she specializes in helping consumers navigate the complexities of the financial and insurance industries. She has 15 years of experience educating people about finance and car insurance. Prior to joining CarInsurance.com, she worked as a reporter and editor at the USA Today Network. Her expertise provides readers with practical guidance, helping them make informed choices about their financial and insurance needs.
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John McCormick
Editorial Director
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.
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Leslie Kasperowicz
Executive Editor
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.
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Nupur Gambhir
Managing Editor
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.
Guide to car insurance (with rates) in cities of Louisiana