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

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!

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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.

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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.

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.

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.

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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.

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.

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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.

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.

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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.

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.

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.

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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.

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.

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

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 for bodily injury
• $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 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.

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.