How Much Is Car Insurance in Louisiana? (2026)

How much is car insurance in Louisiana?

Drivers in Louisiana pay an average of $106 per month for liability insurance and $209 per month for full coverage, which comes out to $1,277 and $2,502 annually, respectively.

Compared to the national average, Louisiana drivers pay more for car insurance. Louisiana rates are also higher than rates in Arkansas and Mississippi.

Coverage Type	Average Monthly Quote	Average Annual Quote
State-minimum coverage	$106	$1,277
Full coverage	$209	$2,502

Disclaimer: Table data is based on real-time Louisiana quotes from Insurify’s network of 500+ insurance partners. Actual rates may vary depending on the policyholder’s individual profile and coverage needs.

Minimum car insurance requirements in Louisiana

Louisiana car insurance requirements include $15,000 of bodily injury liability coverage per person and $30,000 per accident. It also requires $25,000 in property damage liability coverage per accident.^[1]

Coverage Type	Louisiana Minimum Requirement
Bodily injury liability per person	$15,000 per person/$30,000 per accident
Property damage liability per accident	$25,000

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Cheapest car insurance companies in Louisiana

Some of the cheapest car insurance companies in Louisiana for liability insurance are State Farm, Progressive, and National General. Liability insurance is generally cheaper than full coverage because it offers limited protection. It includes coverage up to the state’s liability limits, but not collision coverage or comprehensive coverage.

But Louisiana’s average liability rate is higher than the national average of $99. Liability car insurance rates might be more expensive in Louisiana due to its high amount of bodily injury-related claims. The state sees three times as many claims as the U.S. average.^[2]

Explore the cheapest liability car insurance rates in Louisiana in the table below.

The below rates in Louisiana are estimated rates current as of: Wednesday, September 30 at 5:00 PM PDT. 

Insurance Company	Average Monthly Quote: Liability Only
State Farm	$53
National General	$63
Progressive	$63
USAA	$66
Allstate	$79
GEICO	$88
Direct Auto	$89
The General	$105
Bristol West	$120
Root	$145
Safeco	$159
Hugo	$248

Disclaimer: Table data sourced from real-time Louisiana car insurance quotes from Insurify's 500+ partner insurance providers and quote estimates from Quadrant Information Services. Actual car insurance quotes in Louisiana may vary based on the policy buyer's unique driver profile.

Average Louisiana car insurance rates by city

Average rates in Louisiana are highest in New Orleans, where monthly car insurance premiums average $136 per month for liability insurance and $244 for full coverage. Bossier City and Shreveport are the cheapest cities for liability coverage, with monthly averages of $85 and $90, respectively.

Higher auto rates in New Orleans may be partly due to its population density of about 2,266 people per square mile, which is higher than the population density of both Bossier City and Shreveport. Additionally, New Orleans’ average commute time is 22.6 minutes, which is longer than Bossier City’s 18 minutes. The city also sees a high number of tourists every year, with 19.46 million visitors in 2025.^[3]

The following table illustrates how average monthly car insurance quotes vary among cities in Louisiana.

The below rates in Louisiana are estimated rates current as of: Wednesday, September 30 at 5:00 PM PDT. 

City	Average Monthly Quote
Houma	$124
Bossier City	$128
Shreveport	$132
Alexandria	$144
Lafayette	$151
Lake Charles	$156
Slidell	$157
Metairie	$171
Baton Rouge	$178
New Orleans	$190

Disclaimer: Table data sourced from real-time Louisiana car insurance quotes from Insurify's 500+ partner insurance providers and quote estimates from Quadrant Information Services. Actual car insurance quotes in Louisiana may vary based on the policy buyer's unique driver profile.

Average Louisiana car insurance rates by age

Age affects car insurance rates everywhere. Louisiana teen drivers generally pay higher average car insurance rates due to their limited driving experience and tendency to engage in risky driving behaviors. 

Young drivers in Louisiana pay $193 per month for liability insurance and $380 per month for full coverage, on average. Louisiana seniors pay monthly averages of $101 for liability coverage and $200 for full coverage. Older drivers typically see lower car insurance rates because they tend to drive less and are more likely to avoid risky driving.

Age	Average Monthly Liability-Only Quote	Average Monthly Full-Coverage Quote
Teens	$193	$380
Adults (40s)	$106	$209
Seniors	$101	$200

Disclaimer: Table data is based on real-time Louisiana quotes from Insurify’s network of 500+ insurance partners. Actual rates may vary depending on the policyholder’s individual profile and coverage needs.

How your driving record affects car insurance rates in Louisiana

Louisiana drivers with a clean driving record generally qualify for lower auto rates than high-risk drivers. For example, drivers with a speeding ticket pay 28% more per month than drivers with a clean record. An at-fault accident and driving under the influence (DUI) can result in even higher rates for drivers.

And it’s not just your driving record that affects your rates. Areas with a higher percentage of high-risk drivers can have higher car insurance rates overall. In Louisiana, more than 8% of drivers have an incident on their record, according to Insurify data.

The following table illustrates how driving history influences car insurance costs in Louisiana.

Driving Record	Average Monthly Quote in LA	% Increase Compared to Clean Driving Record
Clean driving record	$158	N/A
With speeding ticket	$202	28%
With accident	$222	41%
With DUI	$203	29%

Disclaimer: Table data is based on real-time Louisiana quotes from Insurify’s network of 500+ insurance partners. Actual rates may vary depending on the policyholder’s individual profile and coverage needs.

What affects car insurance rates in Louisiana?

Several factors contribute to Louisiana’s above-average car insurance costs, including:

• Hurricanes and severe weather: Car insurance companies in Louisiana can consider the risk of “catastrophe hazards” when setting rates. The state’s location on the Gulf Coast makes it particularly susceptible to hurricanes, heavy rain, high winds, and storm surge.^[4]

• Bodily injury claims: Louisiana drivers file three times as many bodily injury claims per person as the national average, according to state data, and the per-person cost is twice as high.

• Accident frequency: Accident frequency has been falling in Louisiana and is at least partly responsible for the state’s declining car insurance rates, according to the Louisiana Department of Insurance (LDI).

• Credit-based insurance scores: Under Louisiana law, insurers can consider your credit history when determining your auto rate.^[5] Louisiana has the second-lowest average credit score of any state, according to Experian data. Drivers with poor credit often pay more for car insurance.

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How Louisiana car insurance rates have changed over the past five years

Louisiana car insurance rates declined modestly in the first half of 2026 to an average annual cost of $1,890. Insurify’s data scientists project rates will drop another 0.8% in the second half of the year.

Declining auto rates in Louisiana might be partly due to a decrease in accident frequency.

How to lower car insurance costs in Louisiana

The cost of auto insurance coverage in Louisiana may be higher than in most states, but you can still find ways to reduce your car insurance costs in the Pelican State:

• Take a defensive driving course. Louisiana law allows insurers to offer a discount of up to 10% for drivers who complete an eligible defensive driving course.

• Ask about additional discounts. Louisiana insurers must disclose the discounts they offer to prospective policyholders and at renewal. Discounts may include bundling, good student, and safety-device discounts.

• Consider a usage-based insurance policy. Depending on your driving habits, you may be able to save with usage-based insurance. The LDI notes that some insurers offer usage- and behavior-based programs that track driving habits such as speed, distance, braking, and phone use.

• Buy uninsured motorist coverage. Louisiana law requires insurance companies to include uninsured/underinsured motorist coverage in every policy they sell. You can decline it in writing. But roughly 14% of Louisiana drivers are uninsured, according to the Insurance Research Council, so keeping the coverage can be affordable extra protection.

• Adjust your deductible. Buying collision and comprehensive coverage is a good idea when you live in a state that has a high frequency of accidents and high weather risks, but it’ll increase your premium. Choosing a higher deductible can lower your monthly costs. Just be sure you can cover the deductible amount out of pocket if you have to file a claim in the future.

Louisiana average car insurance cost FAQs