Average Cost of Car Insurance Rates in Louisiana (2021)

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How Much Does Car Insurance Cost In Louisiana?

On average, car insurance rates for drivers in Louisiana are $333 per month, and $3998 per year. The average rates make Louisiana the 5th most expensive state in the country for car insurance rates and 33% more expensive then the national average.

Keep in mind that average auto insurance costs are determined by factors other than location. Based on your driving history, credit score, age and marital status you should be able to find insurance quotes and discounts so that your monthly payment is less than the averages cited here. Click the button below to get personalized insurance quotes from top providers like Progressive, Allstate and Nationwide.

0.1%2.3%15.9%50%84.1%97.7%99.9%Average cost: $33350%

Insurify's comparison tool will help you make sure you're getting the best possible quote based on your needs and location. You can have peace of mind you're not paying any more than the average price in your state, and customers save $48 per month on average.

Best Louisiana Auto Insurance Rates

Insurify analyzed car insurance rates in the twenty most populous cities in Louisiana and has selected the following providers and quotes as the best rates for drivers in Louisiana.

Cheapest Companies
allstate
$140/mo
state-farm
$144/mo
geico
$148/mo
progressive

Progressive

$148/mo
the-general
$217/mo

Louisiana Car Insurance Rates by City

For drivers in Louisiana, it's important that you evaluate all of your potential insurance options to ensure you are finding the best rate. Based on internal Insurify data, here are the average cost of car insurance rates for drivers in the top 10 cities in Louisiana.
City
Baton Rouge$349
Bossier City$240
Denham Springs$318
Kenner$323
Lafayette$295
Lake Charles$291
Metairie$325
New Orleans$389
Shreveport$262
Slidell$287

What Is the Average Cost of Car Insurance in Louisiana by Age?

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.

Age
Teens$747
20s$399
30s$279
40s$278
50s$282
60s$280
70s$253
>80s$210

What Is the Average Cost of Car Insurance in Louisiana by Gender?

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.

Gender
Male$242
Female$326

Does Marital Status Influence the Average Cost of Car Insurance in Louisiana?

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.

Marital Status
Married$302
Single$344

What Are the Minimum Car Insurance Requirements in Louisiana?

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.

louisiana

How Does Credit History Affect Louisiana Car Insurance Rates?

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.

Credit History
Poor$330
Average$319
Good$351
Excellent$288

What Is the Average Cost of Car Insurance in Louisiana for High-Risk Drivers?

"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.

Driving History
No Violation$314
At-Fault Accident$393
Speeding$347

Tips for Researching Louisiana Car Insurance Rates

Prices and premiums in the Pelican State change based on your location, company, and car. Louisiana's population is going down slightly, meaning fewer drivers on the road. Will insurance rates also trend down? Louisianans pray that's the case.

If you're hoping for the best price, you can try Insurify's comparison tool. You'll generate 10+ real quotes and unlock savings and discounts. In less than two minutes, you can find the coverage you deserve at a price you can afford.

Top Auto Insurance Companies

Compare Top Auto Insurance Companies

Use Insurify for all of your car insurance comparison needs! Compare and connect directly with the top insurance companies to find the best rates as well as the most personalized discounts and coverage options.

Insurify’s network includes over 200 insurance companies throughout the U.S. who can work with you to get you the right auto insurance policy at the cheapest price.

See All Auto Insurance Companies

FAQs - Louisiana Car Insurance

Why is car insurance so expensive in Louisiana?

There are many different factors that go into the how expensive your car insurance is. That said, some of the reasons why you could be paying so much for your insurance include: living in a state with high minimum insurance requirements, being a young or new driver, committing past traffic offenses like at-fault accidents or DUIs, and having a low credit score.

Do car insurance rates vary by county in Louisiana?

Auto insurance costs will vary between locations and insurance carriers, depending on the county Louisiana. Insurify analyzed the latest data for the five most populous cities in Louisiana to find you the cheapest quotes in each of these metropolitan areas.

Which providers have the best auto insurance ratings in Louisiana?

'The way to find the carrier with the best auto insurance ratings in Louisiana and save on your insurance premiums is to compare quotes from all companies in your area. Use a car insurance quotes comparison site like Insurify to compare up to 10+ real quotes for your specific driver profile and unlock savings and discounts. Rates can fluctuate greatly based on whether you''re a safe driver or a high risk one, but you should never overpay. Insurify provides the cheapest car insurance quotes and companies in your area in just a few seconds.'

How much do annual auto insurance rates increase in Louisiana?

During the past three years in the United States, national premium costs have risen an average of 4.5 percent annually. In states where quotes have risen, this figure has been 7.8 percent; and in those where rates have fallen, prices have decreased by approximately 6.0 percent. Individual rates by state will of course vary depending on the driver’s history and a multitude of factors.

Insurify Rate Comparison Methodology

The car insurance quotes, statistics, and data visualizations on this page are derived from Insurify’s proprietary database of over 4 million car insurance applications from ZIP codes across the United States. Insurify’s data science team performs a comprehensive analysis of the various factors car insurance providers take into account while setting rates to provide readers insight into how car insurance quotes are priced.