Teenagers pay a stratospheric average monthly car insurance premium of $747 in Louisiana. Twentysomethings see a near $350 cut in average monthly car insurance payments as they add to their experience behind the wheel.

Louisianans in their 30s, 40s, and 50s finally slide below the state average. But it's not until you're an octogenarian that you get a rate that's considered reasonable in many other states. Those in their 80s shell out on average less than one-third of what their teenage grandchildren and great-grandchildren pay.

Men pay five percent more than women in the Pelican State. But the difference isn’t too large; car insurance rates average out at over $320 for both genders.

Are you headed to the chapel soon? Prepare to potentially save over $500 a year once you say "I do." Married couples tend to pay less for car insurance than singles do.

Singles should listen to the insurance experts. With Louisiana’s high average monthly car insurance rates, we can guess that a cost-benefit analysis might spark more than a marriage or two.

Louisiana requires you to buy insurance to cover injuries and property damage caused to others. The law says you must carry $15,000 in bodily injury liability per person and $30,000 per accident, and $25,000 in property damage liability per accident. To protect your car itself, add comprehensive and collision coverage.

The Pelican State, like most others, allows insurance companies to use credit as a rating factor.

In Louisiana, those with average credit pay less than those with poor and good credit. Why? Sometimes buying patterns will affect average rates, such as when those with better credit scores choose to purchase more expensive cars. Either way, the best savings are available for those with excellent credit––a score of 800 or above.

"Safety first" is not just a mantra that saves lives. It also saves money. Common sense tells us that the safest drivers will pay the least, and safe drivers qualify for "good driver" and "accident-free" discounts. But what if your record is less than perfect?

Drivers with a speeding ticket in Louisiana will pay $32 more per month on average—plus fines. Drivers with an at-fault accident on their insurance record should expect to see monthly rates increase by around $79. Accidents happen, but driving safely and keeping a clean record are the best ways to avoid rate hikes. Remember, violations and accidents will stay on your insurance history for years to come. Still, you can still take a defensive driver course to reduce your monthly payment.