Cheap Auto Insurance in Louisiana (2023)

Drivers in the Pelican State — named after the eastern brown pelican, the Louisiana state bird — face some of the steepest insurance premiums in the country. Drivers in the United States pay an average of just $233 per month. By comparison, average rates of $387 per month make Louisiana the fourth-priciest state for car insurance costs, according to our data. The only states with costlier rates are New York, Michigan, and Nevada. Despite the high average costs, drivers should compare quotes online to find cheap car insurance available in the state.

Best cheap car insurance in Louisiana: State Farm

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State Farm

Best Cheap Car Insurance in Louisiana

Each insurance company uses a slightly different method to determine auto insurance rates. The personal details and driving record tied to your individual application lead to variations in rates. Louisiana drivers earn average monthly rates as low as $171 with State Farm, $233 with USAA, and $240 with Erie. Explore more average rates from auto insurers below.

Insurify Composite Score (ICS)

To calculate the Insurify Composite Score, a proprietary rating, Insurify data scientists weigh multiple factors that reflect the quality, reliability, and health of an insurance company.

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

Minimum car insurance requirements in Louisiana

All motor vehicles operated or parked on Louisiana roadways are required to be insured. Proof of insurance must be carried in your car at all times and must be available when:

• Requested by law enforcement

• Renewing vehicle registration

• The vehicle is involved in a car accident

The minimum liability insurance requirements for private passenger vehicles in Louisiana^[1] are:

• $15,000 per person and $30,000 per accident for bodily injury: As a major part of your liability insurance, bodily injury coverage covers medical bills for people other than the policyholder who are injured during an accident. Louisiana is an at-fault state, meaning the driver who is responsible for the collision is also responsible for paying for any resulting expenses, either through their car insurance provider or out of pocket.

• $25,000 per accident for property damage: If it’s determined that an insured driver is at fault for an accident, this coverage pays for repairs to the property of the other involved parties. Additionally, property damage coverage can cover legal costs if the insured driver is involved in a lawsuit following the 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, replacing vehicle registration documents, and 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.^[2]

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.^[3] The Louisiana Transit Resource Guide informs people about the availability of different modes of public transportation by parish. Beyond bus services, using rideshare services and biking are options in some parts of the state.

Tips for getting cheap car insurance in Louisiana

When shopping around for insurance, each insurance company evaluates your unique information a bit differently. Details like your driving record, credit score, and ZIP code can affect insurance premiums at different companies. Shopping around offers a useful way to find the best rates for your situation. Compare quotes to find the right policy for you.

You may also qualify for certain discounts that can help you save money on your insurance premiums, such as:

• Safe driver discount

• Good driver discount

• Loyalty discount

• Bundling your home and auto insurance with the same company

Liability-only vs. full-coverage insurance in Louisiana

If you live in Louisiana, you can opt to carry liability-only auto insurance, which pays for expenses related to injuries and damage to the other party’s car if you cause an accident. Each state sets its own minimums for how much liability insurance it requires drivers to carry.

Liability-only insurance can make sense if:

• You have a low-value vehicle.

• You can afford to repair or replace your car out of your own pocket.

• Getting the cheapest insurance possible is your top priority.

For a higher level of protection, you can choose full-coverage insurance, which includes basic liability plus collision and comprehensive coverage. Collision coverage pays for damages to your car, even if you’re at fault for an accident. Comprehensive pays for damages caused by events out of your control, like vandalism, weather, and animals. Auto lenders and leasing companies typically require drivers to carry full coverage on a car they’ve financed.

You may also opt for full coverage if:

• You have a high-value vehicle.

• You wouldn’t be able to afford to repair or replace your car out of pocket.

• Your car’s actual cash value (the payout you’d likely get if your car is totaled) exceeds your annual premium to carry full coverage.

Here’s a look at the cheapest auto insurance in Louisiana by policy type.

How your driving history affects Louisiana car insurance rates

Your driving history is the factor that most influences your car insurance costs. Good drivers — whose records are free of serious traffic violations like speeding tickets or reckless driving — tend to get the best car insurance rates in Louisiana. But infractions like driving under the influence or at-fault accidents can significantly increase insurance costs.

Here’s a look at average monthly quotes for the cheapest car insurance in Louisiana based on driving and accident history.

SR-22 insurance in Louisiana

Insurance companies issue SR-22s after you commit a major driving violation, and the form proves that you have at least the minimum required insurance. The Louisiana Office of Motor Vehicles requires you to file this form before driving again. You’ll need to maintain this filing for three years.^[4] The insurance companies listed below offer SR-22s in Louisiana:

How credit scores affect Louisiana car insurance quotes

Your credit score impacts several areas of your financial life, including your auto insurance premiums. The state of Louisiana allows auto insurers to consider credit scores when calculating premiums. Generally, people with excellent or good credit scores can qualify for lower car insurance premiums than people with average or poor credit scores.

How your city affects Louisiana insurance quotes

In the state of Louisiana, car insurance premiums vary widely based on the location. That’s because your ZIP code is tied to all kinds of information, including average commute times, crime rates, and population. In general, drivers in urban areas tend to pay more than rural areas. Drivers in Chalmette, near New Orleans, find the most expensive car insurance premiums, at $533 per month.

How your age affects Louisiana car insurance rates

Because insurers generally equate age with experience level, your age will significantly affect how much you pay for car insurance. New drivers, who tend to be teens or people in their early 20s, typically pay more for insurance than drivers 25 and older.

The following table gives a high-level view of how age can affect insurance rates.

Quotes for younger drivers

Multiple other factors influence how much drivers in each age group will pay for car insurance. Some increase rates for one age group more than another, while others impact all age groups evenly.

The following table compares how different insurance factors affect average monthly rates for drivers younger than 30. Young drivers with an accident on their record earn the lowest rates with National General and Clearcover. Drivers under 25 pay really high rates for auto insurance, making it all the more important to carefully compare costs from multiple auto insurers.

Quotes for middle-aged drivers

The following table compares how different insurance factors affect average monthly rates for drivers between 30 and 59. At $119 per month, National General offers the cheapest average rate for middle-aged drivers purchasing liability insurance. On average, middle-aged drivers in Louisiana pay between $273 and $339 per month.

Quotes for senior drivers

The following table compares how different insurance factors affect average monthly rates for drivers 59 and older. Cheap full-coverage insurance options include $205 per month with National General, $207 per month with Direct Auto, and $232 per month with The General.