Cheapest Auto Insurance in Louisiana (2025)
Louisiana drivers can find the cheapest auto coverage from National General, with liability-only rates averaging $90 per month.
Secure. Free. Easy-to-use.
Excellent
)
Written byAmy Beardsley
)
3+ years writing about auto, home, and life insurance
7+ years in personal finance and technology
Amy specializes in insurance and technology writing and has a talent for transforming complex topics into easy-to-understand stories.
Featured in
){kind=small}
){kind=small}
)
Edited byAshley Cox
)
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.
Featured in
){kind=logo}
){kind=small}
){kind=small}
){kind=small}
)
Reviewed byMark Friedlander
)
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.
)
Data reviewed byKonstantin Halachev
)
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.
Updated
Why you can trust Insurify: Comparing accurate insurance quotes should never put you at risk of spam. We earn an agent commission only if you buy a policy based on our quotes. Our editorial team follows a rigorous set of editorial standards and operates independently from our insurance partners. Learn more.
Advertiser Disclosure
At Insurify, our goal is to help customers compare insurance products and find the best policy for them. We strive to provide open, honest, and unbiased information about the insurance products and services we review. Our hard-working team of data analysts, insurance experts, insurance agents, editors and writers, has put in thousands of hours of research to create the content found on our site.
We do receive compensation when a sale or referral occurs from many of the insurance providers and marketing partners on our site. That may impact which products we display and where they appear on our site. But it does not influence our meticulously researched editorial content, what we write about, or any reviews or recommendations we may make. We do not guarantee favorable reviews or any coverage at all in exchange for compensation.
Table of contents
Drivers in the Pelican State pay about $226 per month for full-coverage car insurance and $123 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 $2,708 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
| 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. | $90/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. | $127/mo |
4.1
Best choiceBased on 11,309 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 (6,055)
Amy
Verified Review
State Farm
Reviewed in North Carolina on July 2025
I like how they cover a lot of needs, but I hate how expensive it is.
Gerald
Verified Review
Keep them confused
Reviewed in Alaska on July 2025
Everyone says they have the best rates for seniors, but they keep shoving more paperwork at you, and it’s very frustrating.
Steve
Verified Review
Too high, too much!
Reviewed in Louisiana on July 2025
Very good company, but their rates keep skyrocketing! Can't afford them.
JD Power
J.D. Power data measures overall customer satisfaction and claims satisfaction based on a 1,000-point scale.
673NAIC Index
Average amount of customer complaints relative to competitors on a 0-5 scale. A lower score represents fewer complaints.
0.84A.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
| 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. | 9.1 /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. | $113/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. | $160/mo |
4.9
Best choiceBased on 2,109 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 (1,196)
James
Verified Review
Great insurance for those who qualify.
Reviewed in Nebraska on July 2025
When a claim is made, USAA will settle the claim in a fast and reasonable manner. They have your back.
William
Verified Review
May find more affordable.
Reviewed in Washington on July 2025
Great service, too high premiums.
Errin
Verified Review
They Could Do Better!
Reviewed in Florida on July 2025
Average, but not a real discount rate, and rates go up yearly and worsen after even a small claim.
JD Power
J.D. Power data measures overall customer satisfaction and claims satisfaction based on a 1,000-point scale.
759NAIC Index
Average amount of customer complaints relative to competitors on a 0-5 scale. A lower score represents fewer complaints.
1.31A.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
| User Reviews | 3.9 |
|---|---|
| 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. | 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. | $147/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. | $207/mo |
3.9
A solid optionBased on 6,878 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 (3,663)
Ann
Verified Review
Rates Increased Despite Good Record
Reviewed in North Carolina on July 2025
Raising car insurance on a housed vehicle with little use.
Ernestine
Verified Review
My experience with the agency was excellent. He took his time to explain the policies.
Reviewed in Georgia on July 2025
Try Allstate first if you need auto or homeowners insurance.
Patricia
Verified Review
Why I Need to Change Insurance Companies!
Reviewed in Texas on July 2025
Ownership has changed and everything has gone downhill! Prices overall have increased and I'm not rewarded for good, safe driving!
JD Power
J.D. Power data measures overall customer satisfaction and claims satisfaction based on a 1,000-point scale.
634NAIC Index
Average amount of customer complaints relative to competitors on a 0-5 scale. A lower score represents fewer complaints.
1.02A.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.
| | |
|---|---|---|
Average price Prices based on average across state-minimum and full coverage car insurance $109/mo* | Average price Prices based on average across state-minimum and full coverage car insurance $137/mo* | Average price Prices based on average across state-minimum and full coverage car insurance $177/mo* |
Overall rating 4.1 | Overall rating 4.9 | Overall rating 3.9 |
Value for money 3.8/5 | Value for money 4.9/5 | Value for money 3.6/5 |
Customer service 4.1/5 | 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 Customer serviceAI-generated from 6055 user reviews | Special highlight Members of the military communityAI-generated from 1196 user reviews | Special highlight Accident forgivenessAI-generated from 3663 user reviews |
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: National General
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 $123. 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: Wednesday, July 16 at 12:00 PM PDT.
Data reviewed by Konstantin Halachev
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  | Average Monthly Quote |
|---|---|
| National General | $90 |
| State Farm | $90 |
| USAA | $113 |
| Direct Auto | $122 |
| Progressive | $133 |
| Allstate | $147 |
| GEICO | $149 |
| The General | $165 |
| Clearcover | $196 |
| Bristol West | $204 |
Disclaimer: Table data sourced from real-time quotes from Insurify's 500+ 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 $226 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: Wednesday, July 16 at 12:00 PM PDT.
Data reviewed by Konstantin Halachev
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 | Average Monthly Quote |
|---|---|
| State Farm | $127 |
| USAA | $160 |
| National General | $171 |
| Progressive | $206 |
| Allstate | $207 |
| GEICO | $209 |
| Direct Auto | $213 |
| Safeco | $290 |
| The General | $323 |
| Bristol West | $420 |
Disclaimer: Table data sourced from real-time quotes from Insurify's 500+ 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 | Minimum Requirements |
|---|---|
| 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.
Medical payments coverage
If you get into an accident, medical payments coverage takes care of your medical expenses, regardless of who’s at fault.
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.
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.
Full coverage
Full coverage typically includes collision and comprehensive insurance to cover repairs or replacement after an accident, theft, fire, or other event.
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 | Average Monthly Quote: Liability Only | Average Monthly Quote: Full Coverage |
|---|---|---|
| Teen drivers | $240 | $441 |
| Adult drivers | $122 | $225 |
| Senior drivers | $108 | $198 |
Disclaimer: Table data sourced from real-time quotes from Insurify's 500+ 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 July 17, 2025. Actual quotes may vary based on the policy buyer’s unique driver profile.
Rates shown are real-time Insurify user quotes from 500+ 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 July 17, 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 July 17, 2025. Actual quotes may vary based on the policy buyer’s unique driver profile.
Rates shown are real-time Insurify user quotes from 500+ 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 July 17, 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 July 17, 2025. Actual quotes may vary based on the policy buyer’s unique driver profile.
Rates shown are real-time Insurify user quotes from 500+ 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 July 17, 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 July 17, 2025. Actual quotes may vary based on the policy buyer’s unique driver profile.
Rates shown are real-time Insurify user quotes from 500+ 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 July 17, 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 July 17, 2025. Actual quotes may vary based on the policy buyer’s unique driver profile.
Rates shown are real-time Insurify user quotes from 500+ 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 July 17, 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 July 17, 2025. Actual quotes may vary based on the policy buyer’s unique driver profile.
Rates shown are real-time Insurify user quotes from 500+ 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 July 17, 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 July 17, 2025. Actual quotes may vary based on the policy buyer’s unique driver profile.
Rates shown are real-time Insurify user quotes from 500+ 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 July 17, 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 July 17, 2025. Actual quotes may vary based on the policy buyer’s unique driver profile.
Rates shown are real-time Insurify user quotes from 500+ 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 July 17, 2025. Actual quotes may vary based on the policy buyer’s unique driver profile.
)
Cheap SR-22 Insurance in Louisiana from $101
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: Wednesday, July 16 at 12:00 PM PDT.Data reviewed by Konstantin Halachev7+ 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.
CityAverage Quote: Liability OnlyAverage Quote: Full CoverageBossier City $103 $187 Shreveport $108 $213 Lake Charles $125 $229 Slidell $129 $239 Lafayette $130 $225 Metairie $153 $234 Baton Rouge $154 $277 New Orleans $161 $268 Disclaimer: Table data sourced from real-time quotes from Insurify's 500+ 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 $174 per month. Drivers pay $123 per month for liability coverage and $226 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 National General, State Farm, and USAA. Their liability-only rates average $90, $90, and $113 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 500+ 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
- 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.
Related articles
)
Best Car Insurance in Louisiana
July 16, 2025
Cheap SR-22 Insurance in Louisiana
July 17, 2025
)
Car Insurance Requirements in Louisiana
July 17, 2025
)
Gap Insurance in Louisiana
July 17, 2025
Average Car Insurance Cost in Louisiana
April 7, 2025
)
Can You Get Car Insurance Without a VIN?
July 17, 2025
)
How to Find Cheap Commercial Auto Insurance
February 14, 2025
)
6-Month vs. 12-Month Car Insurance Policies
July 17, 2025
)
Cheap Car Insurance in Slidell, LA, from $95
July 17, 2025
)
Best Cheap Car Insurance in Shreveport, LA, from $83
July 17, 2025
)
Best Cheap Car Insurance in New Orleans, LA, from $110
July 17, 2025
)
Cheapest Car Insurance Quotes in Metairie, LA,
July 17, 2025
)
Cheapest Car Insurance Quotes in Lake Charles, LA
July 17, 2025
)
Best Cheap Car Insurance in Lafayette, LA, from $92
July 17, 2025
)
Cheap Car Insurance in Bossier City, LA, Starting at $75
July 17, 2025
)
Cheap Car Insurance in Baton Rouge, LA, Starting at $111
July 17, 2025
Sources
- NOLO. "Louisiana Car Accident Laws."
- Louisiana Department of Insurance. "Consumer's Guide to Auto Insurance."
)
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.
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.
Featured in
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.
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.
