Cheapest Auto Insurance in Louisiana (2025)

Louisiana drivers can find the cheapest auto coverage from State Farm, with liability-only rates averaging $62 per month.

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Cheapest recent car insurance quotes in Louisiana

Drivers in and around Louisiana have found policies from National General, Bristol West, USAA, and more, through Insurify in the last few days.

*Quotes generated for Insurify users from Louisiana within the last 10 days. Last updated on May 29, 2025. Actual quotes may vary based on the policy buyer’s unique driver profile.

Rates shown are real-time Insurify user quotes from 120+ insurance companies and Quadrant Information Services data. Insurify’s algorithm excludes anomalous quotes and anonymizes personal details, then displays refined quotes by price, date, and insurer popularity up to 10 days ago from May 29, 2025. Actual quotes may vary based on the policy buyer’s unique driver profile.

*Quotes generated for Insurify users from Louisiana within the last 10 days. Last updated on May 29, 2025. Actual quotes may vary based on the policy buyer’s unique driver profile.

Rates shown are real-time Insurify user quotes from 120+ insurance companies and Quadrant Information Services data. Insurify’s algorithm excludes anomalous quotes and anonymizes personal details, then displays refined quotes by price, date, and insurer popularity up to 10 days ago from May 29, 2025. Actual quotes may vary based on the policy buyer’s unique driver profile.
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Drivers in the Pelican State pay about $218 per month for full-coverage car insurance and $116 for liability-only coverage.

Louisiana has some of the most expensive car insurance costs in the country. The state’s risk of damage from extreme weather contributes to its higher insurance costs. Weather-related disasters cost the state between $1 billion and $2 billion in 2024, according to data from the National Centers for Environmental Information.

Here’s what you should know about finding car insurance in Louisiana.

Quick Facts
  • Louisiana drivers pay an average of $2,617 per year for full-coverage car insurance.

  • Louisiana requires all drivers to carry a minimum amount of liability car insurance — but nearly 12% of state drivers are uninsured, according to data from the Insurance Research Council.

  • Because Louisiana is a pure comparative fault state, drivers can collect financial compensation even if they partially caused the car accident.

3 of the cheapest car insurance companies in Louisiana

State Farm has the cheapest rates for Louisiana drivers. But this doesn’t mean it’s the best car insurance company for you. Your auto insurance cost may be higher or lower depending on various factors, such as the type of car you drive, your age, and your credit history.

See average monthly premiums from three of the cheapest companies below.

State Farm

State Farm logo
User Reviews
4.1
IQ Score
The Insurify Quality (IQ) Score uses more than 15 criteria to objectively rate insurance companies on a one-to-ten scale. The Insurify editorial team researches insurer data to determine the final scores.
9.3 /10
Liability Only
Liability-only insurance, sometimes called minimum-coverage insurance, pays for bodily injury and property damage to others in an accident the policyholder causes. It does not pay for the insured’s own damages.
$62/mo
Full Coverage
Full-coverage car insurance generally includes liability, collision, and comprehensive coverage, and may include other optional coverages such as uninsured motorist coverage. Collision covers a policyholder’s repair or replacement costs in case of an accident. Comprehensive covers damages caused by non-accident events. The average quote displayed here reflects policies with the following coverage limits: $50,000 bodily injury liability per person; $100,000 bodily injury liability per accident; $50,00 property damage liability per accident; $1,000 collision deductible; and a $1,000 comprehensive deductible.
$103/mo
4.1
Best choiceBased on 11,151 verified guest reviews and ratings
How drivers feel about State Farm

Customers appreciate the insurer’s excellent customer service and personal attention but dislike the high prices and frequent rate increases. They also express frustration with the claims process.

AI-generated from the text of verified reviews collected by Insurify
Best For
Customer service
Competitive rates
Discounts for safe drivers
How drivers feel about State Farm

Customers appreciate the insurer’s excellent customer service and personal attention but dislike the high prices and frequent rate increases. They also express frustration with the claims process.

AI-generated from the text of verified reviews collected by Insurify
Best For
Customer service
Competitive rates
Discounts for safe drivers
Reviews (6,012)

James

May 29, 2025

Verified Review

Excellent

I've been with them for over 30 years. However, the cost has tripled in the last 5 years.

Vicki

May 29, 2025

Verified Review

State Farm Review

In comparison to other companies so far, State Farm is the best for pricing of coverage. I have not used any services yet.

Mona

May 29, 2025

Verified Review

Loved State Farm

They were great to work with. I wouldn't think of leaving except for the huge increase in premiums.
See all State Farm reviews
JD Power
J.D. Power data measures overall customer satisfaction and claims satisfaction based on a 1,000-point scale.
855
NAIC Index
Average amount of customer complaints relative to competitors on a 0-5 scale. A lower score represents fewer complaints.
0.78
A.M. Best
A.M. Best analyzes an insurer’s financials, operating performance, business profile, and other factors to generate an opinion-based rating of a company’s financial and credit strength. Ratings range from A++ (exceptional) to D (poor).
A++
Why we picked this company

State Farm has the cheapest average premiums in Louisiana, with rates below the state and national averages. The company is a top choice for customer satisfaction, cost, financial strength, and availability. From Abbeville to Zachary, you can find an exclusive State Farm agent in 122 Louisiana cities.

Pros
  • Savings of up to 30% with safe driver discount

  • Mobile app allows for easy policy management

  • Average customer satisfaction ratings in the J.D. Power 2024 U.S. Auto Insurance Study

Cons
  • Must go through a State Farm agent to buy a policy

  • Gap insurance not available

  • 62 complaints in Louisiana in 2023, according to the National Association of Insurance Commissioners (NAIC)

USAA

USAA logo
User Reviews
4.9
IQ Score
The Insurify Quality (IQ) Score uses more than 15 criteria to objectively rate insurance companies on a one-to-ten scale. The Insurify editorial team researches insurer data to determine the final scores.
9.4 /10
Liability Only
Liability-only insurance, sometimes called minimum-coverage insurance, pays for bodily injury and property damage to others in an accident the policyholder causes. It does not pay for the insured’s own damages.
$78/mo
Full Coverage
Full-coverage car insurance generally includes liability, collision, and comprehensive coverage, and may include other optional coverages such as uninsured motorist coverage. Collision covers a policyholder’s repair or replacement costs in case of an accident. Comprehensive covers damages caused by non-accident events. The average quote displayed here reflects policies with the following coverage limits: $50,000 bodily injury liability per person; $100,000 bodily injury liability per accident; $50,00 property damage liability per accident; $1,000 collision deductible; and a $1,000 comprehensive deductible.
$130/mo
4.9
Best choiceBased on 2,080 verified guest reviews and ratings
How drivers feel about USAA

Customers appreciate the insurer’s reliable customer service and claim handling but express concerns about high rates and frequent price increases. Some also find the insurer’s security protocols and communication methods frustrating.

AI-generated from the text of verified reviews collected by Insurify
Best For
Members of the military community
Outstanding customer service
Competitive rates
How drivers feel about USAA

Customers appreciate the insurer’s reliable customer service and claim handling but express concerns about high rates and frequent price increases. Some also find the insurer’s security protocols and communication methods frustrating.

AI-generated from the text of verified reviews collected by Insurify
Best For
Members of the military community
Outstanding customer service
Competitive rates
Reviews (1,187)

Alberta

May 28, 2025

Verified Review

Excellent

It is good, just looking for a cheaper rate.

Tracey

May 28, 2025

Verified Review

USAA Auto Insurance Review

Very high priced, but good coverage.

Bobby

May 25, 2025

Verified Review

USAA Review

Difficult to reach.
See all USAA reviews
JD Power
J.D. Power data measures overall customer satisfaction and claims satisfaction based on a 1,000-point scale.
886
NAIC Index
Average amount of customer complaints relative to competitors on a 0-5 scale. A lower score represents fewer complaints.
1.35
A.M. Best
A.M. Best analyzes an insurer’s financials, operating performance, business profile, and other factors to generate an opinion-based rating of a company’s financial and credit strength. Ratings range from A++ (exceptional) to D (poor).
A++
Why we picked this company

Active-duty military members, veterans, and their families can benefit from USAA’s competitive rates, various coverage options, and discounts. USAA has high rankings for customer satisfaction and financial strength, and the company has affordable average premiums.

Louisiana’s 15,000 active-duty service members and 19,000 National Guard and reserve members can also purchase other insurance products, including homeowners, renters, life, and business insurance.

Pros
  • Flexible policy options and discounts for customizing coverage 

  • Only 17 complaints in Louisiana in 2023, according to the NAIC

  • Ranked well above average in the J.D. Power 2024 U.S. Auto Insurance Study in the Central region

Cons
  • Only available to members of the military community

  • No local offices in Louisiana

  • Limited customer service hours

Allstate

Allstate logo
User Reviews
4.0
IQ Score
The Insurify Quality (IQ) Score uses more than 15 criteria to objectively rate insurance companies on a one-to-ten scale. The Insurify editorial team researches insurer data to determine the final scores.
8.9 /10
Liability Only
Liability-only insurance, sometimes called minimum-coverage insurance, pays for bodily injury and property damage to others in an accident the policyholder causes. It does not pay for the insured’s own damages.
$101/mo
Full Coverage
Full-coverage car insurance generally includes liability, collision, and comprehensive coverage, and may include other optional coverages such as uninsured motorist coverage. Collision covers a policyholder’s repair or replacement costs in case of an accident. Comprehensive covers damages caused by non-accident events. The average quote displayed here reflects policies with the following coverage limits: $50,000 bodily injury liability per person; $100,000 bodily injury liability per accident; $50,00 property damage liability per accident; $1,000 collision deductible; and a $1,000 comprehensive deductible.
$168/mo
4.0
Best choiceBased on 6,793 verified guest reviews and ratings
How drivers feel about Allstate

Drivers appreciate the friendly customer service and efficient claims processing, but many find the rates too high and experience unexpected price increases. Some also report poor communication from agents.

AI-generated from the text of verified reviews collected by Insurify
Best For
Accident forgiveness
Wide availability
Cheap rates
How drivers feel about Allstate

Drivers appreciate the friendly customer service and efficient claims processing, but many find the rates too high and experience unexpected price increases. Some also report poor communication from agents.

AI-generated from the text of verified reviews collected by Insurify
Best For
Accident forgiveness
Wide availability
Cheap rates
Reviews (3,634)

Donny

May 28, 2025

Verified Review

I'd never deal with them again.

Rates are too high for state-required insurance.

Howard

May 27, 2025

Verified Review

Used to be a good value

We have been customers for 42 years. We haven't seen any downward adjustment even though we're in North Carolina. We're looking for other quotes.

John

May 25, 2025

Verified Review

Excellent

Easy to deal with.
See all Allstate reviews
JD Power
J.D. Power data measures overall customer satisfaction and claims satisfaction based on a 1,000-point scale.
833
NAIC Index
Average amount of customer complaints relative to competitors on a 0-5 scale. A lower score represents fewer complaints.
0.94
A.M. Best
A.M. Best analyzes an insurer’s financials, operating performance, business profile, and other factors to generate an opinion-based rating of a company’s financial and credit strength. Ratings range from A++ (exceptional) to D (poor).
A+
Why we picked this company

Allstate offers numerous ways for drivers to customize their coverages, including adding a rideshare insurance policy if you drive for Uber, Lyft or another rideshare company. Louisiana doesn’t require rideshare drivers to purchase rideshare insurance, but personal auto insurance policies without an endorsement won’t cover damages that occur while you’re driving passengers.

Pros
  • Customizable policy options and discounts

  • 65 Allstate agents throughout the state

  • Rideshare insurance is available

Cons
  • More expensive average premiums than other insurers in Louisiana

  • 11 complaints in Louisiana in 2023, according to the NAIC

  • Ranked below average in the J.D. Power 2024 U.S. Auto Insurance Study in the Central region

State Farm vs. USAA and Allstate

If you’re shopping for car insurance in Louisiana, see how these three companies compare.

State Farm logo
USAA logo
Allstate logo
Average price
Prices based on average across state-minimum and full coverage car insurance
$83/mo*
Average price
Prices based on average across state-minimum and full coverage car insurance
$104/mo*
Average price
Prices based on average across state-minimum and full coverage car insurance
$135/mo*
Overall rating
4.1
Overall rating
4.9
Overall rating
4.0
Value for money
3.9/5
Value for money
4.9/5
Value for money
3.6/5
Customer service
4.2/5
Customer service
4.7/5
Customer service
3.8/5
Claims handling
4.1/5
Claims handling
4.9/5
Claims handling
3.9/5
Special highlight
AI-generated from 6012 user reviews
Customer service
Special highlight
AI-generated from 1187 user reviews
Members of the military community
Special highlight
AI-generated from 3634 user reviews
Accident forgiveness
Data in this table has been sourced from Insurify’s users who have indicated they are insured with the listed providers

How to get the cheapest car insurance in Louisiana

Getting cheap car insurance in Louisiana can be tricky, considering the average premium is nearly 50% higher than the national average, but it’s possible. When setting rates, insurance companies evaluate your driving record, coverage needs, age, ZIP code, vehicle type, and other factors.

The Louisiana Department of Insurance suggests these tips to help you find a policy that fits your budget:

  • Shop around. Get multiple insurance quotes to find the best deal.

  • Raise your deductible. Choosing a higher deductible can lower your premium.

  • Apply for discounts. Save money with discounts, such as discounts for good students or safe drivers.

  • Bundle benefits. Bundle your car insurance with other policies, like home or renters insurance, for potential savings.

  • Drive safely. Maintain a clean driving record to get the cheapest rates.

Cheapest liability-only car insurance quotes in Louisiana: State Farm

Liability-only car insurance covers damages or injuries you cause to others in a car accident but doesn’t cover your vehicle repairs or medical costs. While it fulfills the legal requirements for minimum coverage, liability-only coverage may leave you vulnerable to a large financial loss from an at-fault accident.

The average monthly cost of liability insurance in Louisiana is $116. Here are the average liability insurance quotes from several of the cheapest car insurance companies in the state.

The below rates are estimated rates current as of: Thursday, May 1 at 12:00 PM PDT
Data reviewed by Konstantin Halachev
Headshot of Konstantin Halachev, VP of Engineering at Insurify
Konstantin HalachevVP of Engineering & Data Science
  • 7+ years experience in data analysis

  • Ph.D. in Computational Biology

Konstantin has led data teams across multiple industries, including insurance, travel, and biology. He’s led Insurify’s engineering team for more than three years.

Insurance Company
sort ascsort desc
Average Monthly Quote
sort ascsort desc
State Farm$62
USAA$78
National General$94
Direct Auto$101
Allstate$101
Progressive$120
Clearcover$160
The General$171
Bristol West$205
Disclaimer: Table data sourced from real-time quotes from Insurify's 50-plus partner insurance providers and quote estimates from Quadrant Information Services. Actual quotes may vary based on the policy buyer's unique driver profile.

Cheapest full-coverage car insurance quotes in Louisiana: State Farm

Liability coverage is enough to drive legally, but sometimes you may want more security. Full coverage includes liability-only insurance, as well as collision and comprehensive coverage. It can give you extra security if you drive a newer or pricier car or want more financial protection against accidents, theft, or other damage.

On average, drivers in Louisiana pay $218 per month for full-coverage insurance. The table below shows the cheapest average full-coverage insurance quotes from companies in Louisiana.

The below rates are estimated rates current as of: Thursday, May 1 at 12:00 PM PDT
Data reviewed by Konstantin Halachev
Headshot of Konstantin Halachev, VP of Engineering at Insurify
Konstantin HalachevVP of Engineering & Data Science
  • 7+ years experience in data analysis

  • Ph.D. in Computational Biology

Konstantin has led data teams across multiple industries, including insurance, travel, and biology. He’s led Insurify’s engineering team for more than three years.

Insurance Company
sort ascsort desc
Average Monthly Quote
sort ascsort desc
State Farm$103
USAA$130
Allstate$168
National General$180
Direct Auto$185
Progressive$199
Clearcover$260
Safeco$276
The General$337
Bristol West$419
Disclaimer: Table data sourced from real-time quotes from Insurify's 50-plus partner insurance providers and quote estimates from Quadrant Information Services. Actual quotes may vary based on the policy buyer's unique driver profile.

Car insurance requirements in Louisiana

Louisiana is a pure comparative fault state.[1] This means you can collect financial compensation even if you were partly responsible for a car accident. The law helps ensure you have coverage if you make a mistake behind the wheel. But drivers usually have a one-year time limit on filing a lawsuit after an accident.

“Insurers pay up to twice the amount in claim payments for bodily injury claims and property damage claims in Louisiana than they do in most of the rest of the country,” says John Parker Ford, deputy commissioner of public affairs for the Louisiana Department of Insurance.

Below are Louisiana’s minimum liability car insurance requirements:

Coverage
sort ascsort desc
Minimum Requirements
sort ascsort desc
Bodily injury liability$15,000 per person / $30,000 per accident
Property damage liability$25,000 per accident

Though Louisiana doesn’t require these coverages, they can offer extra protection for you and your vehicle.

    • illustration card https://a.storyblok.com/f/162273/x/4c9753bdbe/medical-payments.svg

      Medical payments coverage

      If you get into an accident, medical payments coverage takes care of your medical expenses, regardless of who’s at fault.

    • illustration card https://a.storyblok.com/f/162273/150x150/0cc2b7beaf/insurify-icons-auto-gold-96x96_005-insurance.svg

      Uninsured/underinsured motorist coverage

      Uninsured/underinsured motorist insurance covers you when another driver doesn’t have insurance or doesn’t have enough coverage. Louisiana requires all insurance companies to offer this coverage, but drivers can decline to purchase it.

    • illustration card https://a.storyblok.com/f/162273/150x150/951095b2b4/car-service-96x96-blue_014-tow-truck.svg

      Roadside assistance

      If you find yourself stuck on the side of the road, roadside assistance coverage can pay to tow your vehicle to a repair shop or another location.

    • illustration card https://a.storyblok.com/f/162273/100x100/31bb162db0/accident-forgiveness.svg

      Full coverage

      Full coverage typically includes collision and comprehensive insurance to cover repairs or replacement after an accident, theft, fire, or other event.

    • illustration card https://a.storyblok.com/f/162273/150x150/e4b60c0b46/transport-96x96-orange_013-taxi.svg

      Rideshare insurance

      If you drive for a rideshare company, rideshare insurance fills coverage gaps left by your personal car insurance and the rideshare company’s insurance.[2]

Average cost of car insurance by age

Car insurance rates follow a pattern as people get older. Teen drivers pay the most for car insurance.

“Because teens have the least amount of driving experience and the highest rate of accidents of any demographic, they pay the highest average rates across the U.S.,” says Mark Friedlander, corporate communications director at the Insurance Information Institute.

After age 25, rates usually drop as drivers gain experience and become more responsible. But around age 70, premiums start to increase slightly for senior drivers due to an increased risk of accidents.

In the table below, you can see how much Louisiana drivers in different age groups pay for car insurance coverage.

Age Group
sort ascsort desc
Average Monthly Quote: Liability Only
sort ascsort desc
Average Monthly Quote: Full Coverage
sort ascsort desc
Teen drivers$247$463
Adult drivers$105$197
Senior drivers$91$171
Disclaimer: Table data sourced from real-time quotes from Insurify's 50-plus partner insurance providers and quote estimates from Quadrant Information Services. Actual quotes may vary based on the policy buyer's unique driver profile.

Cheapest car insurance in Louisiana by driving record

An incident is an at-fault accident, a speeding ticket, a DUI/DWI, or another moving violation that can negatively affect your driving record and car insurance rates.

“At-fault accidents and violations are used in premium calculations because they are predictive of a driver’s risk level,” Ford says. A speeding ticket can raise rates more than $500 [per year] for liability insurance, while a DUI can add nearly $900 to your premiums.

“Each insurer treats incidents differently, but the overall frequency of incidents can raise premiums in a geographic area,” says Ford. “For example, cities with higher instances of auto theft would likely see higher premiums for comprehensive coverage relative to cities with lower instances of auto theft.”

Cheapest car insurance rates in LA with a speeding ticket

A single speeding ticket can increase your car insurance rates. The quotes shown below are for Louisiana drivers with a speeding ticket.

*Quotes generated for Insurify users from Louisiana within the last 10 days. Last updated on May 29, 2025. Actual quotes may vary based on the policy buyer’s unique driver profile.

Rates shown are real-time Insurify user quotes from 120+ insurance companies and Quadrant Information Services data. Insurify’s algorithm excludes anomalous quotes and anonymizes personal details, then displays refined quotes by price, date, and insurer popularity up to 10 days ago from May 29, 2025. Actual quotes may vary based on the policy buyer’s unique driver profile.

*Quotes generated for Insurify users from Louisiana within the last 10 days. Last updated on May 29, 2025. Actual quotes may vary based on the policy buyer’s unique driver profile.

Rates shown are real-time Insurify user quotes from 120+ insurance companies and Quadrant Information Services data. Insurify’s algorithm excludes anomalous quotes and anonymizes personal details, then displays refined quotes by price, date, and insurer popularity up to 10 days ago from May 29, 2025. Actual quotes may vary based on the policy buyer’s unique driver profile.

Cheapest car insurance rates in LA with an at-fault accident

Insurance companies may raise your rates after an at-fault accident. The quotes shown below are for Louisiana drivers with an at-fault accident.

*Quotes generated for Insurify users from Louisiana within the last 10 days. Last updated on May 29, 2025. Actual quotes may vary based on the policy buyer’s unique driver profile.

Rates shown are real-time Insurify user quotes from 120+ insurance companies and Quadrant Information Services data. Insurify’s algorithm excludes anomalous quotes and anonymizes personal details, then displays refined quotes by price, date, and insurer popularity up to 10 days ago from May 29, 2025. Actual quotes may vary based on the policy buyer’s unique driver profile.

*Quotes generated for Insurify users from Louisiana within the last 10 days. Last updated on May 29, 2025. Actual quotes may vary based on the policy buyer’s unique driver profile.

Rates shown are real-time Insurify user quotes from 120+ insurance companies and Quadrant Information Services data. Insurify’s algorithm excludes anomalous quotes and anonymizes personal details, then displays refined quotes by price, date, and insurer popularity up to 10 days ago from May 29, 2025. Actual quotes may vary based on the policy buyer’s unique driver profile.

Cheapest car insurance rates in LA with a DUI

Insurers consider you a high-risk driver if you have a DUI on your record. The quotes shown below are for Louisiana drivers with a DUI.

*Quotes generated for Insurify users from Louisiana within the last 10 days. Last updated on May 29, 2025. Actual quotes may vary based on the policy buyer’s unique driver profile.

Rates shown are real-time Insurify user quotes from 120+ insurance companies and Quadrant Information Services data. Insurify’s algorithm excludes anomalous quotes and anonymizes personal details, then displays refined quotes by price, date, and insurer popularity up to 10 days ago from May 29, 2025. Actual quotes may vary based on the policy buyer’s unique driver profile.

*Quotes generated for Insurify users from Louisiana within the last 10 days. Last updated on May 29, 2025. Actual quotes may vary based on the policy buyer’s unique driver profile.

Rates shown are real-time Insurify user quotes from 120+ insurance companies and Quadrant Information Services data. Insurify’s algorithm excludes anomalous quotes and anonymizes personal details, then displays refined quotes by price, date, and insurer popularity up to 10 days ago from May 29, 2025. Actual quotes may vary based on the policy buyer’s unique driver profile.

Cheapest car insurance rates in LA with an SR-22

High-risk drivers may need an SR-22 certificate to prove they meet their state’s minimum insurance requirements. The quotes shown below are for Louisiana drivers with an SR-22.

*Quotes generated for Insurify users from Louisiana within the last 10 days. Last updated on May 29, 2025. Actual quotes may vary based on the policy buyer’s unique driver profile.

Rates shown are real-time Insurify user quotes from 120+ insurance companies and Quadrant Information Services data. Insurify’s algorithm excludes anomalous quotes and anonymizes personal details, then displays refined quotes by price, date, and insurer popularity up to 10 days ago from May 29, 2025. Actual quotes may vary based on the policy buyer’s unique driver profile.

*Quotes generated for Insurify users from Louisiana within the last 10 days. Last updated on May 29, 2025. Actual quotes may vary based on the policy buyer’s unique driver profile.

Rates shown are real-time Insurify user quotes from 120+ insurance companies and Quadrant Information Services data. Insurify’s algorithm excludes anomalous quotes and anonymizes personal details, then displays refined quotes by price, date, and insurer popularity up to 10 days ago from May 29, 2025. Actual quotes may vary based on the policy buyer’s unique driver profile.
Cheap SR-22 Insurance in Louisiana from $73

Cheap SR-22 Insurance in Louisiana from $73

How car insurance rates have changed in Louisiana

Full-coverage car insurance in Louisiana rose to an average of $2,900 per year in 2024 — just a 1% increase from 2023, an Insurify report found. Louisiana’s car insurance rates are higher than nationwide average rates.

In the chart below, you can see how car insurance rates have changed in Louisiana over the past two years.

Average Louisiana Car Insurance Rates over the Past Two Years

Rates in this chart are two-year rolling medians in order to manage extreme market volatility seen over the past few years. Rates on the rest of the page reflect one-year rolling medians in order to prioritize the freshest data available.
  • Where you live in Louisiana can affect how much you pay for car insurance. Risk factors like congested roadways, accident rates, and vehicle crimes are tied to location. Check out liability and full-coverage rates for different Louisiana cities in the table below.

    The below rates are estimated rates current as of: Thursday, May 1 at 12:00 PM PDT
    Data reviewed by Konstantin Halachev
    Headshot of Konstantin Halachev, VP of Engineering at Insurify
    Konstantin HalachevVP of Engineering & Data Science
    • 7+ years experience in data analysis

    • Ph.D. in Computational Biology

    Konstantin has led data teams across multiple industries, including insurance, travel, and biology. He’s led Insurify’s engineering team for more than three years.

    City
    sort ascsort desc
    Average Quote: Liability Only
    sort ascsort desc
    Average Quote: Full Coverage
    sort ascsort desc
    Bossier City$103$178
    Shreveport$110$209
    Lake Charles$122$235
    Slidell$128$232
    Lafayette$130$217
    Baton Rouge$150$270
    Metairie$152$228
    New Orleans$158$257
    Disclaimer: Table data sourced from real-time quotes from Insurify's 50-plus partner insurance providers and quote estimates from Quadrant Information Services. Actual quotes may vary based on the policy buyer's unique driver profile.

Louisiana car insurance FAQs

If you’re shopping for car insurance in the Bayou State, this additional information may help as you research your coverage options.

  • The average cost of car insurance in Louisiana is $167 per month. Drivers pay $116 per month for liability coverage and $218 per month for full coverage. Your rates ultimately depend on your driving record, credit history, marital status, age, location, and more.

  • The cheapest car insurance companies in Louisiana are State Farm, USAA, and National General. Their liability-only rates average $62, $78, and $94 per month, respectively. But the cheapest insurer for you will depend on multiple factors, including your age, ZIP code, type of car you drive, and chosen coverage levels.

  • Louisiana requires drivers to carry $15,000 per person and $30,000 per accident in bodily injury liability coverage, as well as $25,000 per accident in property damage liability coverage. It’s a good idea to purchase a coverage amount beyond the state requirements for more vehicle protection.

  • No. Louisiana is a pure comparative fault state, meaning drivers can collect financial compensation even if they were partly responsible for an accident.

Methodology

Insurify data scientists analyzed more than 90 million quotes served to car insurance applicants in Insurify’s proprietary database to calculate the premium averages displayed on this page. These premiums are real quotes that come directly from Insurify’s 50+ partner insurance companies in all 50 states and Washington, D.C. Quote averages represent the median price for a quote across the given coverage level, driver subset, and geographic area.

Unless otherwise specified, quoted rates reflect the average cost for drivers between 20 and 70 years old with a clean driving record and average or better credit (a credit score of 600 or higher).

Liability-only premium averages correspond to policies with the following coverage limits:

  • Bodily injury limits between state-minimum rates and $50,000 per person, $100,000 per accident
  • Property damage limits between $10,000 and $50,000
  • No additional coverage
Full-coverage premium averages correspond to the same bodily injury and property damage limits in addition to:
  • Comprehensive coverage with a $1,000 deductible
  • Collision coverage with a $1,000 deductible

Quotes for Allstate, Farmers, GEICO, State Farm, and USAA are estimates based on Quadrant Information Services’ database of auto insurance rates.

Sources

  1. NOLO. "Louisiana Car Accident Laws."
  2. Louisiana Department of Insurance. "Consumer's Guide to Auto Insurance."
Amy Beardsley
Amy BeardsleyInsurance Writer

Amy is a personal finance and technology writer. With a background in the legal field and a bachelor's degree from Ferris State University, she has a talent for transforming complex topics into content that’s easy to understand. Connect with Amy on LinkedIn.

Amy has been a contributor at Insurify since September 2023.

Ashley Cox
Edited byAshley CoxSenior Managing Editor
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Ashley CoxSenior Managing Editor
  • 7+ years in content creation and management

  • 5+ years in insurance and personal finance content

Ashley is a seasoned personal finance editor who’s produced a variety of digital content, including insurance, credit cards, mortgages, and consumer lending products.

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Mark Friedlander
Reviewed byMark FriedlanderSenior Director, Media Relations, Triple-I
Mark Friedlander
Mark FriedlanderSenior Director, Media Relations, Triple-I
  • Corporate communications director for Insurance Information Institute

  • 20+ years in insurance and communications

As Director, Corporate Communications for Triple-I, Mark serves as the non-profit’s national spokesperson, sharing information and education on a wide array of insurance issues.

Konstantin Halachev
Data reviewed byKonstantin HalachevVP of Engineering & Data Science
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Konstantin HalachevVP of Engineering & Data Science
  • 7+ years experience in data analysis

  • Ph.D. in Computational Biology

Konstantin has led data teams across multiple industries, including insurance, travel, and biology. He’s led Insurify’s engineering team for more than three years.

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