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Cheap Car Insurance in Louisiana (With Quotes, May 2022)

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Jennifer Pendell

By: Jennifer Pendell

Edited by Jackie Cohen

Last Updated May 10, 2022

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Quick Facts

  • The average cost of car insurance in Louisiana is $333 per month, or $3,996 annually.
  • National General is the cheapest provider we found in Louisiana, with average premiums of $205 per month.
  • Your rates are determined by factors outside of your location, such as your age and driving record – but by comparing car insurance quotes, you can ensure you find the best rate for your circumstances.

Car Insurance in Louisiana

There are lots of things to love about living in Louisiana, from the rich culture to the great eats. However, car insurance premiums here are significantly higher than the national average. Check out our comprehensive guide to Louisiana auto insurance to make sure you’re getting the lowest rates for the best coverage, and use Insurify to compare quotes and find your best rate!

See More: Cheap Car Insurance

See More: Cheap Car Insurance No Deposit

Cheapest Car Insurance in Louisiana

How much is car insurance in Louisiana?

The average cost of car insurance in Louisiana is $333 per month. However, keep in mind that what you pay for car insurance will depend on your age, gender, driving record, credit score, and other factors in your unique driving profile.

Coverage options here cost more than they do in other places, but that doesn’t mean you can’t find affordable coverage. Insurify compared quotes from many insurance companies and found the best rates in the state of Louisiana for car insurance.

Car Insurance CompanyAverage Monthly Quote
National General$205
Progressive$213
Direct Auto$277
The General$283
Safeco$285
Clearcover$292
Kemper Specialty$303
Midvale Home & Auto$375
Bristol West$480
Liberty Mutual$480
Disclaimer: actual quotes may vary based on the policyholder's unique driver profile.

See More: Car Insurance Quotes

Cheapest Liability Auto Insurance in Louisiana

Louisiana law requires minimum liability coverage in order to drive legally in the state. Driving with the minimum liability insurance helps you save money, but it can leave you under-protected in case of an accident. Here’s what you can expect to pay for coverage that just meets the state minimum requirements.

Car Insurance CompanyAverage Monthly Quote
National General$152
Progressive$168
Safeco$186
Clearcover$214
The General$217
Kemper Specialty$221
Direct Auto$239
Midvale Home & Auto$273
Liberty Mutual$322
Bristol West$391
Disclaimer: actual quotes may vary based on the policyholder's unique driver profile.

Cheapest Full-Coverage Auto Insurance in Louisiana

Want to make sure you’re fully protected? Full-coverage car insurance includes more coverage than a liability-only policy.

Full-coverage includes comprehensive coverage, which steps in if your car is damaged by natural disasters, theft, or vandalism, and collision coverage, which covers you if you hit something, be it a tree or another car. You can also often get underinsured motorist coverage with a full-coverage policy as well. We found the following prices for full-coverage policies.

Car Insurance CompanyAverage Monthly Quote
Progressive$249
National General$259
Safeco$311
Direct Auto$313
Clearcover$348
The General$348
Kemper Specialty$375
Midvale Home & Auto$422
Liberty Mutual$549
Bristol West$552
Disclaimer: actual quotes may vary based on the policyholder's unique driver profile.

Best Car Insurance in Louisiana

The lowest average rates aren’t always the best choices. You need to consider other factors, too, like customer service and reliability. That’s where the Insurify Composite Score comes in. This proprietary rating system considers all the other factors and helps determine the best insurers in the state. See how these four companies ranked.

Car Insurance CompanyICSAverage Monthly Quote
Clearcover97$292
Safeco86$285
Liberty Mutual82$480
National General58$205
Disclaimer: actual quotes may vary based on the policyholder's unique driver profile.

See More: Best Car Insurance Companies

Insurify Composite Score

The Insurify Composite Score is a proprietary rating calculated by a team of data scientists at Insurify, weighing multiple factors that reflect the quality, reliability, and health of an insurance company.

Inputs to the score include financial strength ratings from A.M. Best, Standard & Poor’s, Moody’s, and Fitch; J.D. Power ratings; Consumer Reports customer satisfaction surveys and customer complaints; mobile app reviews; and user-generated company reviews.

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Louisiana Car Insurance Rates by Driving and Accident History

Your driving history, including any accidents you’ve caused, is a major cause of insurance premium hikes. Insurance companies want to issue policies to safe drivers because they’re less likely to cause accidents. Your rates can vary quite a bit depending on what your driving record looks like.

See More: High-Risk Car Insurance Louisiana

Cheap Car Insurance for Good Drivers in Louisiana

A “good driver” with a clean driving record is typically someone who has no moving violations or at-fault accidents in the last several years. These drivers are considered to be at a low risk of causing an accident, so they receive lower rates to reflect that level of risk.

Car Insurance CompanyAverage Monthly Quote
National General$188
Progressive$208
Direct Auto$255
The General$265
Clearcover$268
Safeco$273
Kemper Specialty$279
Midvale Home & Auto$329
Bristol West$445
Liberty Mutual$460
Disclaimer: actual quotes may vary based on the policyholder's unique driver profile.

Cheap Car Insurance for Drivers with DUI in Louisiana

Drivers with DUIs often pay some of the highest rates. However, as you can see from the quotes we found, shopping around pays off. It’s still possible to find affordable car insurance even if you have a DUI on your record.

Car Insurance CompanyAverage Monthly Quote
Clearcover$135
Progressive$151
Liberty Mutual$229
National General$242
The General$280
Kemper Specialty$296
Direct Auto$317
Safeco$409
Bristol West$458
Midvale Home & Auto$464
Disclaimer: actual quotes may vary based on the policyholder's unique driver profile.

See More: SR-22 Insurance Louisiana

SR-22 Insurance in Louisiana

SR-22s are issued by insurance companies after you commit a major driving violation, and they prove that you have at least the minimum required insurance. Most states require them to be on file for you to get back on the road. The insurance companies listed below offer SR-22 in Louisiana:

Cheap Car Insurance for Drivers with an At-Fault Accident in Louisiana

Causing an accident makes you look high-risk as a driver, which means your rates are likely to rise. If you’re at fault, just one accident can make your rates go up for as long as three to five years. We found these rates for drivers with at least one at-fault accident in their driving history.

Car Insurance CompanyAverage Monthly Quote
Progressive$231
National General$295
Safeco$345
The General$373
Direct Auto$404
Kemper Specialty$425
Clearcover$432
Midvale Home & Auto$566
Liberty Mutual$593
Bristol West$631
Disclaimer: actual quotes may vary based on the policyholder's unique driver profile.

Cheap Car Insurance for Drivers with Speeding Tickets in Louisiana

Like accidents, speeding tickets also cause your rates to go up because of the risk to the insurance company. Louisiana drivers with at least one speeding ticket can expect to pay significantly more than someone with a clean driving history.

Car Insurance CompanyAverage Monthly Quote
Progressive$220
National General$260
The General$351
Direct Auto$369
Clearcover$371
Kemper Specialty$371
Safeco$390
Liberty Mutual$479
Midvale Home & Auto$513
Bristol West$618
Disclaimer: actual quotes may vary based on the policyholder's unique driver profile.

Louisiana Car Insurance Rates by Credit Tier

Credit scores are another metric that insurers use to calculate risk, along with marital status, gender, age, and many other factors. People with poor credit are considered to take more risks than people with good credit, and therefore see higher insurance premiums. These are the average rates we found for people with excellent, good, average and poor credit.

Credit TierAverage Monthly Quote
Excellent$299
Good$319
Average$372
Poor$462
Disclaimer: actual quotes may vary based on the policyholder's unique driver profile.

Car Insurance Rates in Louisiana Cities

Something as simple as your ZIP code can affect how much you pay for car insurance, with people in Chalmette paying nearly $200 more a month than people in Houma. These average monthly quotes for people in cities across Louisiana show how different the quotes can be.

CityAverage Monthly Quote
Houma$259
Shreveport$279
Lake Charles$312
Lafayette$319
Mandeville$326
Metairie$348
Baton Rouge$373
Westwego$406
New Orleans$409
Chalmette$454
Disclaimer: actual quotes may vary based on the policyholder's unique driver profile.

Louisiana Car Insurance Rates by Driver Age

Young drivers have a higher-risk profile because of their inexperience behind the wheel; they simply haven’t had a driver’s license long enough. Rates start dropping as you approach middle age, only to start going up again in your senior years. The average quotes we found demonstrate how different rates can be, from teen drivers up to people in their 80s.

Age GroupAverage Monthly Rate
Teenagers$703
Under 25$535
20s$391
30s$284
40s$281
50s$267
60s$274
70s$272
80+$260
Disclaimer: actual quotes may vary based on the policyholder's unique driver profile.

Louisiana Driving Facts

Every state has minimum insurance requirements, and Louisiana is no exception. Additionally, all drivers in Louisiana will have to visit their local DMV and may at some point need to rely on public transportation. The following sections break down minimum insurance requirements, DMV services, and public transit options in Louisiana.

Minimum Car Insurance Requirements in Louisiana

Though coverage options vary between insurance companies, some are not optional. The minimum liability car insurance requirements for private passenger vehicles in Louisiana are as follows:

  • $15,000 per person/$30,000 per accident for Bodily Injury (BI)

Bodily injury liability coverage protects drivers if their car is involved in an accident that harms another individual. The minimum limits required by Louisiana state law are $15,000 for the death or injury of a single victim as a result of a car accident and $30,000 for the deaths or injuries of multiple victims.

Insurance companies list this type of coverage as 15/30, referring to the dollar limitations of each minimum. If you’re in an accident, liability coverage will cover the cost of a legal proceeding as a result of a crash. Bodily injury coverage is part of the minimum coverage required by Louisiana law.

  • $25,000 per accident for Property Damage (PD)

The state minimum amount of property damage liability coverage required in Louisiana is $25,000. If an insured driver is determined to be at fault in a motor vehicle accident, this coverage pays for damage repair to another individual’s property. Property damage coverage will also pay for legal costs if an insured driver is involved in a lawsuit following an accident.

Louisiana DMV Information

The Louisiana Office of Motor Vehicles offers many services for drivers, from issuing titles and registrations to driver’s licenses. The state maintains an easy-to-use website that makes renewing documents or checking the status of your reinstated driver’s license a snap. You can even check the wait times at your local Office of Motor Vehicles and make appointments online.

Public Transportation in Louisiana

The Louisiana Department of Transportation and Development maintains a public transportation program that aims to help parishes provide people with a way to get around regardless of geographical location, physical limitation, or economic status. The Louisiana Transit Resource Guide informs people about the availability of different modes of public transportation by parish.

How to Get the Cheapest Car Insurance in Louisiana

You can find cheap car insurance in Louisiana by comparing quotes from different insurance companies. Try online comparison tools like Insurify to bring together quotes from top insurers in one place, making the comparison process easy.

Frequently Asked Questions

  • Yes. You need at least a basic liability policy that meets the state minimum requirements in order to drive legally in Louisiana.

  • There are a few things you can do. The best way to save money is to shop around and compare quotes. You can also save money by accepting a higher deductible or by qualifying for insurance discounts for things like paperless billing or good grades.

  • The average cost we found for car insurance in Louisiana is $333 per month, but we found basic policies as cheap as $152 a month.

  • There are many uninsured drivers and lawsuits related to car accidents, which drives up rates for everyone. Louisiana’s geographical location and history of natural disasters also mean greater risk for insurance companies, which leads to higher rates.

  • Louisiana is not a no-fault state, so PIP coverage is not required. The driver who causes an accident is responsible for damage caused to others.

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.

nissan

Nissan Altima

Most Popular Car in Louisiana

#45

State with the Most Speeding Tickets Rank

#39

State with the Moving Violations Rank

#48

State with the Most DUIs Rank

#31

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 #36 state in the country for drivers with an at-fault accident on their driving record.

    • Rank among states: #36
    • Percent of drivers in Louisiana with an accident: 9.32%
    • Percent of all U.S. drivers with an at-fault accident: 10.18%
    • Drivers in LA who have a current at-fault accident on their driving record pay 50% more on average than drivers with a clean record.
  • Exceeding the speed limit can endanger others and have a serious impact on your insurance costs. Louisiana is the #45 state in the country for drivers with a speeding ticket on record.

    • Rank among states: #45
    • Percent of drivers in Louisiana with a speeding ticket: 6.95%
    • Percent of all U.S. drivers with a speeding ticket: 9.18%
    • Drivers in LA with a speeding ticket in their driving history pay on average 35.87% more than drivers with a clean record.
  • While driving while intoxicated is never acceptable, it’s a more common offense than many assume. Louisiana is the #48 state in the country for drivers with a prior drunk driving conviction.

    • Rank among states: #48
    • Percent of drivers in Louisiana with a DUI: 1.11%
    • Percent of all U.S. drivers with a DUI: 1.65%
    • Drivers in LA with a DUI in their driving history pay on average 4.71% more than drivers with a clean record.
  • 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 #28 state in the country for drivers with a rude driving violation on record.

    • Rank among states: #28
    • Percent of drivers in Louisiana with a rude driving violation: 1.42%
    • Percent of all U.S. drivers with a rude driving violation: 1.68%
    • Drivers in LA with a rude driving violation in their driving history pay on average 29.71% more than drivers with a clean record.
  • 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 #44 state in the country for drivers with a reckless driving offense on record.

    • Rank among states: #44
    • Percent of drivers in Louisiana with a reckless driving offense: 0.05%
    • Percent of all U.S. drivers with a reckless driving offense: 0.0949%
  • Failing to yield the right of way isn’t just frustrating for other drivers; it’s dangerous, too. Louisiana is the #29 state in the country for drivers with a failure to yield violation on record.

    • Rank among states: #29
    • Percent of drivers in Louisiana with a failure to yield violation: 0.35%
    • Percent of all U.S. drivers with a failure to yield violation: 0.36%
    • Drivers in LA with a failure to yield violation in their driving history pay on average 38.41% more than drivers with a clean record
  • Having a squeaky-clean driving record is an impressive accomplishment. Some states have consistently safer drivers than others; Louisiana is the #5 state in the country for drivers with a clean record.

    • Rank among states: #5
    • Percent of drivers in Louisiana with a clean record: 84.39%
    • Percent of all U.S. drivers with a clean record: 82.17%
  • As auto manufacturers increasingly turn towards producing greener car models, more and more motorists are embracing hybrids and EV’s. Louisiana drivers rank #44 in hybrid and electric vehicle ownership across all fifty states.

    • Rank among states: #44
    • Percent of drivers in Louisiana with a hybrid/electric vehicle: 0.56%
    • Percent of all U.S. drivers with a hybrid/electric vehicle: 2.4%
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.

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Methodology

The car insurance quotes displayed are based on an analysis of Insurify’s database of over 40 million quotes from 500 ZIP codes nationwide. To obtain representative rates, Insurify’s data science team performs frequent comprehensive analyses of the factors car insurance providers weigh to calculate rates including driver demographics, driving record, credit score, desired coverage level, and more.

Insurify’s analysis also incorporates the Insurify Composite Score (ICS) assigned to each insurance provider. The ICS is a proprietary rating that weighs multiple factors reflecting the quality, reliability, and health of an insurance company. Ratings used to calculate the ICS include Financial Strength Ratings from A.M. Best, Standard & Poor’s, Moody’s, and Fitch; J.D. Power ratings; Consumer Reports customer satisfaction surveys and customer complaints; mobile app reviews; and user-generated company reviews. 

With the above insights and ranking methods, Insurify is able to offer car insurance shoppers insight into how various insurance providers compare to one another in terms of both cost and quality. Note, actual quotes will vary based on unique attributes including the policyholder’s driver history and their garaging address.

Jennifer Pendell
Jennifer Pendell

Content Writer at Insurify

Jennifer Pendell is a personal finance writer from the Midwest. Her passion is breaking down tough subjects to make them easier to understand. When she’s not writing, she loves reading, camping and spending time with friends and family.

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