Cheapest Auto Insurance in Louisiana (2024)

Louisiana drivers can find the cheapest auto coverage from State Farm, with liability-only rates averaging $76 per month.

Amy Beardsley
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Amy BeardsleyInsurance Writer
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  • 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.

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Danny Smith
Edited byDanny Smith
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Danny Smith
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As Insurify’s home and pet insurance editor, Danny also specializes in auto insurance. His goal is to help consumers navigate the complex world of insurance buying.

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Mark Friedlander
Reviewed byMark Friedlander
Mark Friedlander
Mark FriedlanderDirector, Corporate Communications
  • 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 Halachev
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Konstantin HalachevVice President of Engineering
  • 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 February 14, 2024 at 7:34 AM PST

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Drivers in the Pelican State pay about $321 per month, on average, for full-coverage car insurance and around $156 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 about $6.9 billion per year, according to data from the National Centers for Environmental Information.

But comparing car insurance quotes could help Louisiana drivers find the cheapest rates available to them.

Quick Facts
  • Louisiana drivers pay an average of $3,853 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.

  • Your credit score can affect how much you pay for car insurance in Louisiana.

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Cheapest car insurance companies in Louisiana

State Farm has the cheapest rates for Louisiana drivers. However, 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. Always compare quotes before buying a policy.

Insurance CompanyIQ Score
The Insurify Quality (IQ) Score uses more than 15 criteria to objectively rate insurance companies on a one-to-five scale. The Insurify editorial team researches insurer data to determine the final scores.
Full CoverageLiability OnlyBest for
State Farm4.5$118$76Cheap rates
USAA4.5$148$96Military members
Allstate4.2$192$124Drivers with poor credit
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.
  • Insurify uses an in-house, proprietary method to rate and review the best car insurance companies. The Insurify Quality (IQ) Score uses more than 15 crucial criteria, including average premiums, customer satisfaction, discounts, third-party ratings, and more, to calculate a final score for a company.

    Criteria are weighted by importance to the consumer — factors such as customer reviews and affordability influence the score more than availability and third-party ratings. With the IQ Score, Insurify is able to provide quantitative ratings for drivers to better compare car insurance companies and make informed decisions to meet their coverage needs.

Best insurance for cheap rates: State Farm

Compare personalized, real-time quotes
IQ Score
The Insurify Quality (IQ) Score uses more than 15 criteria to objectively rate insurance companies on a one-to-five scale. The Insurify editorial team researches insurer data to determine the final scores.
4.4
JD Power
J.D. Power data measures overall customer satisfaction and claims satisfaction based on a 1,000-point scale.
842
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.
$76/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.
$118/mo

The average monthly cost of a liability-only policy from State Farm is $76 — less than the state average. State Farm also has the highest Insurify Quality (IQ) Score among the cheapest insurers, making it a top choice for customer satisfaction, cost, financial strength, and availability. From Abbeville to Zachary, you’ll find an exclusive State Farm agent in 122 Louisiana cities.

Pros
  • Savings of up to 30% possible via safe driver discount

  • Mobile app allows for easy policy management

  • Above-average customer satisfaction ratings in the J.D. Power 2022 U.S. Auto Insurance Study[1]

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

  • Gap insurance not available

  • 57 complaints in Louisiana in 2022, according to the National Association of Insurance Commissioners (NAIC)[2]

I am happy with their coverage. I just bought a new car, and my insurance quadrupled. YIKES.

Stacy - December 4, 2023
Verified

Friendly service.

John - December 4, 2023
Verified

Got insurance established fast.

Robert - December 3, 2023
Verified
Read our State Farm review

Best insurance for military members: USAA

Compare personalized, real-time quotes
IQ Score
The Insurify Quality (IQ) Score uses more than 15 criteria to objectively rate insurance companies on a one-to-five scale. The Insurify editorial team researches insurer data to determine the final scores.
4.3
JD Power
J.D. Power data measures overall customer satisfaction and claims satisfaction based on a 1,000-point scale.
880
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.
$96/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.
$148/mo

Active-duty military members, veterans, and their families can benefit from USAA’s competitive rates, various coverage options, and discounts. With an IQ Score of 4.3 out of 5, the company earns high marks for customer satisfaction, financial strength, company transparency, and affordable premiums. The average liability-only policy cost from USAA in Louisiana is $96 per month.

Pros
  • Flexible policy options and discounts for customizing coverage 

  • Few complaints in Louisiana in 2022, according to the NAIC

  • Ranked well above average in the J.D. Power 2022 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

They have stopped thinking about how today's financial strain is impacting their customers.

Darcy - November 26, 2023
Verified

Not satisfied with price hike even after lowering coverage.

Linda - November 3, 2023
Verified

Wonderful service, pricing, and care.

Robert - October 24, 2023
Verified
Read our USAA review

Best insurance for coverage variety: Allstate

Compare personalized, real-time quotes
IQ Score
The Insurify Quality (IQ) Score uses more than 15 criteria to objectively rate insurance companies on a one-to-five scale. The Insurify editorial team researches insurer data to determine the final scores.
4.2
JD Power
J.D. Power data measures overall customer satisfaction and claims satisfaction based on a 1,000-point scale.
833
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.
$124/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.
$192/mo

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.

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

  • 67 complaints in Louisiana in 2022, according to the NAIC

  • Ranked below average in the J.D. Power 2022 U.S. Auto Insurance Study in the Central region

Our agent was always available for questions and concerns.

Lyn - December 4, 2023
Verified

Prices keep going up.

Gilberto - December 2, 2023
Verified

They are overcharging me for basic insurance.

Brian - November 29, 2023
Verified
Read our Allstate review
Learn More: The 10 Best Car Insurance Companies

Learn More: The 10 Best Car Insurance Companies

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, insurers 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 those offered to 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 in Louisiana: State Farm

Liability-only car insurance covers damages or injuries you cause to others in a car accident but doesn’t include 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 cheapest insurer for liability-only car insurance in Louisiana is State Farm, with an average cost of $76 per month.

The below rates are estimated rates current as of: Thursday, February 1 at 11:00 AM PST
Data reviewed by Konstantin Halachev
Headshot of Konstantin Halachev, VP of Engineering at Insurify
Konstantin HalachevVice President of Engineering
  • 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 CompanyAverage Monthly Quote
State Farm76
USAA96
Allstate124
GEICO124
Direct Auto137
Clearcover145
Progressive147
The General160
Bristol West239
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 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.

State Farm offers the cheapest full-coverage policies in the Pelican State, with monthly rates averaging $118.

The below rates are estimated rates current as of: Thursday, February 1 at 11:00 AM PST
Data reviewed by Konstantin Halachev
Headshot of Konstantin Halachev, VP of Engineering at Insurify
Konstantin HalachevVice President of Engineering
  • 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 CompanyAverage Monthly Quote
State Farm118
USAA148
Allstate192
GEICO192
Direct Auto211
Progressive228
Clearcover234
Safeco238
The General277
Bristol West411
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.

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Car insurance requirements in Louisiana

Louisiana is a pure comparative fault state.[3] It means you can collect financial compensation even if you were partly responsible for a car accident. The law helps ensure you’re covered 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 Ford, deputy commissioner of public affairs for the Louisiana Department of Insurance.

Below are Louisiana’s minimum liability car insurance requirements:

CoverageMinimum 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, useful protection for you and your vehicle.

  • illustration card https://a.storyblok.com/f/162273/x/38dc81ba93/drive-1.svg

    Collision and comprehensive

    Collision and comprehensive coverages are part of full-coverage car insurance. Collision insurance can pay for damages from an at-fault accident with other vehicles, as well as collisions with objects like trees, fences, and light poles. It can also cover damage from rollover accidents. Comprehensive pays for damages caused by non-collision events, such as theft, fire, flood, or severe weather.

  • 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/x/5285c4cd74/uninsured-or-underinsured-motorist-coverage.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/162273/100x100/9997698e9e/emergency-roadside-service.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/x/665da91bf7/comprehensive-coverage.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/162273/100x100/26eb27a188/rideshare-coverage.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.[4]

Cheapest car insurance for drivers with an incident

An incident is an at-fault accident, speeding ticket, 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 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.”

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Cheapest car insurance for drivers with a speeding ticket: State Farm

Drivers with speeding tickets pay almost five times as much for liability-only car insurance than good drivers with clean records.

Louisiana drivers with a speeding ticket pay an overall monthly average of $346 for car insurance.

Affordable coverage can be difficult to find if you have a speeding ticket, but it’s not impossible. You need to take the time to compare car insurance quotes from multiple insurers, like the ones in the table below.

The below rates are estimated rates current as of: Thursday, February 1 at 11:00 AM PST
Data reviewed by Konstantin Halachev
Headshot of Konstantin Halachev, VP of Engineering at Insurify
Konstantin HalachevVice President of Engineering
  • 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 CompanyAverage Monthly Quote
State Farm151
USAA192
Allstate249
GEICO250
Direct Auto288
Progressive307
Clearcover319
The General371
Bristol West542
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 for drivers with an at-fault accident: State Farm 

An at-fault accident can lead to higher rates — drivers in Louisiana with an at-fault accident pay a monthly average of $237 for liability-only insurance.

But you can still find ways to keep your rates low. Look for an insurance company that offers an accident forgiveness program or specializes in serving high-risk drivers. Another option is to shop around, since insurance quotes for Louisiana drivers with an at-fault accident can vary quite a bit among insurers.

The below rates are estimated rates current as of: Thursday, February 1 at 11:00 AM PST
Data reviewed by Konstantin Halachev
Headshot of Konstantin Halachev, VP of Engineering at Insurify
Konstantin HalachevVice President of Engineering
  • 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 CompanyAverage Monthly Quote
State Farm161
USAA203
Allstate264
GEICO265
Direct Auto305
Progressive328
Clearcover389
The General394
Bristol West562
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 for drivers with a DUI/DWI: State Farm

The Louisiana Department of Transportation reports that 40% of fatal highway traffic accidents involve alcohol.[5] Drivers in Louisiana who have been convicted of a DUI or DWI can expect to pay an average of $268 for liability-only coverage and $552 for a full-coverage policy.

Navigating car insurance after driving under the influence can feel overwhelming. You might want to look for an insurance company that offers a discount for completing a defensive driving course or practicing safe driving habits.

The below rates are estimated rates current as of: Thursday, February 1 at 11:00 AM PST
Data reviewed by Konstantin Halachev
Headshot of Konstantin Halachev, VP of Engineering at Insurify
Konstantin HalachevVice President of Engineering
  • 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 CompanyAverage Monthly Quote
State Farm193
USAA242
Direct Auto312
Allstate314
GEICO314
Progressive373
Clearcover383
The General453
Bristol West672
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 for seniors: State Farm

Car insurance rates follow a pattern as people get older. After age 35, rates usually drop as drivers gain experience and become more responsible. But around age 70, premiums start to go up again. Most of Louisiana’s seniors face high car insurance costs, on average, highlighting the importance of finding reliable, affordable auto insurance options.

Senior drivers in Louisiana pay an overall monthly average of $187 for car insurance. Explore more options for senior drivers in the table below.

The below rates are estimated rates current as of: Thursday, February 1 at 11:00 AM PST
Data reviewed by Konstantin Halachev
Headshot of Konstantin Halachev, VP of Engineering at Insurify
Konstantin HalachevVice President of Engineering
  • 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 CompanyAverage Monthly Quote
Progressive111
Direct Auto123
The General195
Clearcover199
Bristol West258
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 for teens: State Farm

It’s no secret that getting car insurance as a teenager can be expensive. “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.

A liability-only policy costs teen drivers in Louisiana $296 per month, on average, while full-coverage insurance is even more expensive, averaging $609 per month.

Teenage drivers pay significantly more for auto insurance than Louisiana’s average. But plenty of teen-focused discounts are available, including good student discounts and student away-at-school discounts, which are available if a college student in your household is attending and residing at a school more than 100 miles from home without a vehicle.

Teens can also save money by staying on their parents’ insurance policies, driving a safe car, choosing a higher deductible, or buying an inexpensive older vehicle to avoid needing to pay for collision and comprehensive coverage.

The below rates are estimated rates current as of: Thursday, February 1 at 11:00 AM PST
Data reviewed by Konstantin Halachev
Headshot of Konstantin Halachev, VP of Engineering at Insurify
Konstantin HalachevVice President of Engineering
  • 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 CompanyAverage Monthly Quote
Direct Auto394
Progressive422
Clearcover433
The General458
Bristol West706
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.
Keep Reading: What Are the Best Cars for Teens to Drive?

Keep Reading: What Are the Best Cars for Teens to Drive?

Find Cheap Car Insurance in Louisiana

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Louisiana car insurance quotes by credit tier

Your credit history can affect how much you pay for car insurance in Louisiana. If you have a poor credit score, you’ll pay about twice as much for a policy as someone with an excellent or good credit score.

Rates by Credit Tier

Disclaimer: Table data sourced from real-time quotes from Insurify's 50-plus partner insurance providers. Actual quotes may vary based on the policy buyer's unique driver profile.

Louisiana car insurance FAQs

Finding the best car insurance in Louisiana can be challenging. Below, you’ll find answers to some of the most commonly asked questions about car insurance in the Bayou State.

  • How much is car insurance in Louisiana?

    The average cost of car insurance in Louisiana is $238 per month. Drivers pay $156 per month for liability coverage and $321 per month for full coverage. Your average rates ultimately depend on your driving record, credit history, marital status, age, location, and more.

  • Who has the cheapest car insurance in Louisiana?

    The cheapest car insurance companies in Louisiana are State Farm, USAA, and Allstate. Their liability-only rates average $76, $96, and $124 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.

  • What are the best car insurance companies in Louisiana?

    State Farm is the best car insurance company in Louisiana, with an IQ Score of 4.4 and an AM Best financial strength rating of A++ (Superior). It’s followed closely by USAA, with an IQ Score of 4.4 and an AM Best financial strength rating of A++. USAA is only available to military members and their families, however.

  • How much car insurance do you need in Louisiana?

    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.

  • Is Louisiana a no-fault state?

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

Insurify Insights

How Louisiana Drivers Measure Up

While most drivers know that car insurance quotes are determined in part by your personal driving history, many may be unaware that rates are also impacted by the average risk of the drivers around you as well. Check out Insurify's latest analysis of driving records in Louisiana below:

Methodology

Drawing from an internal database of over 4 million car insurance applications, the research team at Insurify analyzes patterns in car ownership and driver behavior - including how Louisiana drivers measure up to their fellow motorists across the United States in areas including speeding, DUIs, and more.
Insurify Insights publishes data-driven articles, trend analyses, and national rankings each week on all factors related to cars and those who drive them.

ford

Ford F-Series Pickup

Most Popular Car in Louisiana

#37

State with the Most Speeding Tickets Rank

#32

State with the Moving Violations Rank

#45

State with the Most DUIs Rank

#21

State with the most Suspended Licenses

  • While car accidents are a sadly unavoidable feature of time spent on the road, rates of accidents do vary from city to city and from state to state. Louisiana is the #22 state in the country for drivers with an at-fault accident on their driving record.

    • Rank among states: #22
    • Percent of drivers in Louisiana with an accident: 8.9%
  • While driving while intoxicated is never acceptable, it’s a more common offense than many assume. Louisiana is the #45 state in the country for drivers with a prior drunk driving conviction.

    • Rank among states: #45
    • Percent of drivers in Louisiana with a DUI: 0.9%
  • Reckless driving refers to a specific traffic violation: when drivers willfully act dangerously in spite of the risks they’re imposing on both themselves and others. Louisiana is the #39 state in the country for drivers with a reckless driving offense on record.

    • Rank among states: #39
    • Percent of drivers in Louisiana with a reckless driving offense: 1%
  • The Insurify team classifies rude drivers as those who commit one or more of the following driving offenses: failure to yield or failure to stop, improper backing, passing where prohibited, tailgating, street racing, or hit-and-run. Louisiana is the #40 state in the country for drivers with a rude driving violation on record.

    • Rank among states: #40
    • Percent of drivers in Louisiana with a rude driving violation: 1.1%
  • Exceeding the speed limit can endanger others and have a serious impact on your insurance costs. Louisiana is the #37 state in the country for drivers with a speeding ticket on record.

    • Rank among states: #37
    • Percent of drivers in Louisiana with a speeding ticket: 7.1%
  • Failing to yield the right of way isn’t just frustrating for other drivers; it’s dangerous, too. Louisiana is the #36 state in the country for drivers with a failure to yield violation on record.

    • Rank among states: #36
    • Percent of drivers in Louisiana with a failure to yield violation: 0.1%
Insurify Insights

Insurify's team of data scientists and content specialists presents Insurify Insights, a series of automotive, home, and health studies focusing on the topics that impact us all. through expert analysis of over 4 million car insurance applications and an array of top data sources, the Insurify Insights team produces new data-driven articles, trend analyses, regional superlatives, and national rankings every week. See Insurify Insights as featured in Forbes, Fox News, USA Today, NPR, and more.

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. J.D. Power. "2022 U.S. Auto Insurance Study." Accessed June 28, 2023
  2. National Association of Insurance Commissioners. "State Farm Mut Auto Ins Co." Accessed June 28, 2023
  3. NOLO. "Louisiana Car Accident Laws." Accessed June 28, 2023
  4. Consumer's Guide to Auto Insurance. "Louisiana Department of Insurance." Accessed June 28, 2023
  5. Louisiana Department of Transportation & Development. "997 fatalities on Louisiana highways in 2021; DOTD and safety partners urge motorists to drive safely." Accessed June 28, 2023
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.

Danny Smith
Edited byDanny Smith
Photo of an Insurify author
Danny Smith
  • Licensed auto and home insurance agent

  • 4+ years in content creation and marketing

As Insurify’s home and pet insurance editor, Danny also specializes in auto insurance. His goal is to help consumers navigate the complex world of insurance buying.

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Mark Friedlander
Reviewed byMark FriedlanderDirector, Corporate Communications
Mark Friedlander
Mark FriedlanderDirector, Corporate Communications
  • 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 HalachevVice President of Engineering
Headshot of Konstantin Halachev, VP of Engineering at Insurify
Konstantin HalachevVice President of Engineering
  • 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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