Average Car Insurance Cost in Louisiana (2025)
Drivers in Louisiana pay an average of $167 per month for car insurance.
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Written byLindsay VanSomeren
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8 years in insurance and personal finance writing
Former data scientist for U.S. Geological Survey
Lindsay is a freelance personal finance writer currently pursuing her Series 65 license. She enjoys helping readers learn money management skills that improve their lives.
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Edited bySara Getman
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Sara Getman is an Associate Editor at Insurify and has been with the company since 2022. Prior to joining Insurify, Sara completed her undergraduate degree in English Literature at Simmons University in Boston. At Simmons, she was the Editor-in-Chief for Sidelines Magazine (a literary and art publication), and wrote creative non-fiction.
Outside of work, Sara is an avid reader, and loves rock climbing, yoga, and crocheting.
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Table of contents
Car insurance rates in Louisiana have steadily increased in the past few years. Louisiana drivers pay an average rate of $117 per month for minimum coverage and $218 per month for full coverage. Meanwhile, the average cost of car insurance nationwide is $105 for state-minimum coverage and $196 for full coverage.
Insurance rates are high in Louisiana for a few reasons. Louisianans are twice as likely to file injury claims in an accident, and with such low minimum-coverage requirements, it’s not enough to cover injury in about one-third of cases. As a result, Louisiana residents are three times as likely to go to court. All these factors drive up the cost of car insurance for everyone.[1]
Here’s what you need to know about finding affordable coverage in Louisiana.
Quick Facts
State Farm, USAA, and National General offer the cheapest car insurance policies for Louisiana drivers.
Baton Rouge and New Orleans are the two most expensive cities in Louisiana for car insurance.
Louisiana has a 15/30/25 minimum-coverage requirement.
How much is car insurance in Louisiana?
The average rate for liability coverage in Louisiana is $117 per month. A full-coverage policy costs more, at $218 per month.
That translates into an average annual cost in Louisiana of $1,399 for minimum coverage and $2,617 for full coverage.
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How Louisiana car insurance rates have changed over the past two years
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To find car insurance rates in Louisiana and the U.S. over the last two years, download our data here.
The average price for full-coverage car insurance in Louisiana rose to $2,900 in 2024, up significantly over rates from just a few years ago. Full-coverage rates also rose nationally, though they remain cheaper than in Louisiana.
See how Louisiana car insurance prices have changed over the past two years below.
Average Louisiana Car Insurance Rates over the Past Two Years
Rates in this chart are two-year rolling medians in order to manage extreme market volatility seen over the past few years. Rates on the rest of the page reflect one-year rolling medians in order to prioritize the freshest data available.
Average Louisiana car insurance rates by city
Where you live, even down to the ZIP code, affects your car insurance rates. In general, insurance companies charge more in cities than in more remote areas. Cities with higher populations have a higher likelihood of accidents, vandalism, and vehicle theft. Theft and vandalism cause more property damage claims, and accidents cause property damage liability claims.[2]
Car insurance in New Orleans is going to be more expensive than in more rural areas of Louisiana. Here’s how rates compare by city.
The below rates are estimated rates current as of: Tuesday, April 22 at 12:00 PM PDT.
City  | Average Monthly Liability-Only Quote | Average Monthly Full-Coverage Quote |
|---|---|---|
| Bossier City | $103 | $178 |
| Shreveport | $110 | $209 |
| Lake Charles | $122 | $235 |
| Slidell | $128 | $232 |
| Lafayette | $130 | $217 |
| Baton Rouge | $150 | $270 |
| Metairie | $152 | $228 |
| New Orleans | $158 | $257 |
Disclaimer: Table data sourced from real-time quotes from Insurify's 50-plus partner insurance providers and quote estimates from Quadrant Information Services. Actual quotes may vary based on the policy buyer's unique driver profile.
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Car Insurance Requirements in Louisiana (2025)
Average Louisiana car insurance rates by age and gender
Insurance companies can take your age and gender into account when setting rates. Men typically pay higher rates for insurance because they’re more likely to cause injury or damage in an accident. In Louisiana, women caused 87 fatal crashes in 2024, for example, compared to 364 for men.
Drivers younger than 25 typically pay high rates because of a lack of experience and risky driving behavior. Young drivers — specifically 18-year-old drivers — had the highest serious crash rate of any age group, while 20-year-old drivers caused more fatal crashes.[3]
Average rates decrease as you age and gain more experience on the road. The table below illustrates how your age and gender affect your rates in Louisiana.
Age | Average Monthly Liability-Only Quote | Average Monthly Full-Coverage Quote |
|---|---|---|
| 16 | $314 | $583 |
| 18 | $273 | $507 |
| 20 | $175 | $325 |
| 25 | $151 | $282 |
| 30 | $128 | $238 |
| 40 | $115 | $214 |
| 50 | $102 | $189 |
| 60 | $100 | $187 |
| 70+ | $100 | $186 |
Disclaimer: Table data sourced from real-time quotes from Insurify's 50-plus partner insurance providers. Actual quotes may vary based on the policy buyer's unique driver profile.
Age | Average Monthly Liability-Only Quote | Average Monthly Full-Coverage Quote |
|---|---|---|
| 16 | $302 | $560 |
| 18 | $263 | $487 |
| 20 | $169 | $313 |
| 25 | $146 | $270 |
| 30 | $123 | $228 |
| 40 | $111 | $206 |
| 50 | $98 | $181 |
| 60 | $96 | $179 |
| 70+ | $96 | $203 |
Disclaimer: Table data sourced from real-time quotes from Insurify's 50-plus partner insurance providers. Actual quotes may vary based on the policy buyer's unique driver profile.
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Average cost to insure popular vehicles in Louisiana
Different types of cars provide varying levels of protection for the driver and passengers. They also have different repair costs, theft risks, and more.
These factors mean the make and model of your car is an important factor when it comes to your insurance costs. Louisiana is dominated by the oil and gas industry, so it’s no surprise that pickup trucks are some of the most popular vehicles in the state.
The table below shows how rates fluctuate based on the car you drive.
Vehicle | Average Monthly Quote |
|---|---|
| Ford F-Series | $227 |
| Chevrolet Silverado | $241 |
| GMC Sierra | $244 |
| Ram 1500/2500/3500 | $270 |
| Honda Accord | $266 |
Disclaimer: Table data sourced from real-time quotes from Insurify's 50-plus partner insurance providers. Actual quotes may vary based on the policy buyer's unique driver profile.
How your driving record affects car insurance rates in Louisiana
Your driving record provides a big clue for insurance companies. If you have an incident on your record, your insurance company is more likely to have to pay out claims, which affects your rates. You’ll get the cheapest car insurance in Louisiana if you have a clean record. Your rates will increase if you get a speeding ticket, and even more so if you cause an accident.
Louisiana drivers with a DUI on their record also pay much higher average rates since they’re more likely to cause severe bodily injury or death as opposed to mere property damage. For example, in 2024, Louisiana drunk drivers caused 26% of all fatal car accidents in the state.[4]
Drivers with a clean record pay an average of $167 per month for car insurance. The table below shows how different levels of driving infractions affect average insurance rates in Louisiana.
Driver Record | Average Monthly Quote | % Increase Compared to Good Drivers |
|---|---|---|
| With accident | $271 | 51% |
| With speeding ticket | $259 | 44% |
| With DUI | $307 | 71% |
Disclaimer: Table data sourced from real-time quotes from Insurify's 50-plus partner insurance providers. Actual quotes may vary based on the policy buyer's unique driver profile.
Insurance companies use your credit history to make a credit-based insurance score. They see your credit history as a predictor of whether you’ll submit a claim. While some states don’t allow insurers to check your credit, Louisiana does.
Drivers with excellent credit typically pay the lowest rates, while drivers with poor credit have higher rates. One way to save on your premiums is to prioritize keeping your credit healthy.
The table below shows how your credit history affects your rates in Louisiana.
Credit TierAverage Monthly Liability-Only QuoteAverage Monthly Full-Coverage QuoteExcellent $96 $177 Good $105 $195 Fair $118 $219 Poor $145 $269 Disclaimer: Table data sourced from real-time quotes from Insurify's 50-plus partner insurance providers. Actual quotes may vary based on the policy buyer's unique driver profile.
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How to lower your insurance costs in Louisiana
You’ll need to make many decisions when it comes to buying coverage for your car, and that can be overwhelming. But the good news is you have a lot of ways to save:[5]
Drive safely
Many insurers offer safe driving discounts that help lower your average rate, but driving safely also helps you secure lower premiums in general.
Shop around for quotes
Get several quotes from other companies offering insurance in Louisiana. Two companies with the same coverage level may have very different costs.
Increase your deductible
A higher deductible means a lower average annual rate, but make sure you save up to help pay the extra expense before you need to file a claim.
Lower your coverage level
If you can afford to pay for damage to your car and own it outright, consider dropping down to minimum coverage.
Bundle your policies
Many insurers offer a lower average rate if you buy more than one insurance policy, such as homeowners or renters insurance.
Louisiana average car insurance cost FAQs
Here’s the most important information you need to know about buying car insurance in Louisiana.
The average annual cost of Louisiana minimum car insurance coverage is $1,399, and full coverage costs $2,617 per year.
State Farm offers the cheapest car insurance in Louisiana. State Farm charges an average rate of $62 for state-minimum liability coverage and $103 for full coverage.
Louisiana drivers pay an average rate of $117 per month for liability-only coverage and $218 per month for full-coverage car insurance.
Shelter, Farmers, and State Farm rank as the best insurance companies in Louisiana for customer satisfaction, according to a 2024 J.D. Power survey.[6]
State law requires drivers to carry a 15/30/25 liability insurance policy. If you get in an accident, this type of minimum-coverage policy pays out $15,000 toward bodily injuries per person (up to $30,000 per accident) and $25,000 in property damage liability costs.[7]
Methodology
Insurify data scientists analyzed more than 90 million quotes served to car insurance applicants in Insurify’s proprietary database to calculate the premium averages displayed on this page. These premiums are real quotes that come directly from Insurify’s 50+ partner insurance companies in all 50 states and Washington, D.C. Quote averages represent the median price for a quote across the given coverage level, driver subset, and geographic area.
Unless otherwise specified, quoted rates reflect the average cost for drivers between 20 and 70 years old with a clean driving record and average or better credit (a credit score of 600 or higher).
Liability-only premium averages correspond to policies with the following coverage limits:
- Bodily injury limits between state-minimum rates and $50,000 per person, $100,000 per accident
- Property damage limits between $10,000 and $50,000
- No additional coverage
- Comprehensive coverage with a $1,000 deductible
- Collision coverage with a $1,000 deductible
Quotes for Allstate, Farmers, GEICO, State Farm, and USAA are estimates based on Quadrant Information Services’ database of auto insurance rates.
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Sources
- Auto Insurance Affordability in Louisiana. "Insurance Research Council."
- III. "What determines the price of an auto insurance policy?."
- NAIC. "NAIC Consumer Shopping Tool for Auto Insurance."
- LSU. "Center for Analytics and Research in Transportation Safety."
- III. "Nine ways to lower your auto insurance costs."
- Jdpower.com. "2024 U.S. Auto Insurance Study."
- Louisiana Department of Insurance. "Consumer's Guide to Auto Insurance."
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Lindsay VanSomeren
Lindsay VanSomeren is a freelance personal finance writer living in Suquamish, WA. Her work has appeared with FICO, Credit Karma, The Balance, and more. She enjoys helping people learn how to manage their money better so they can live the life they want.
Lindsay has been a contributor at Insurify since October 2022.
Sara Getman is an Associate Editor at Insurify and has been with the company since 2022. Prior to joining Insurify, Sara completed her undergraduate degree in English Literature at Simmons University in Boston. At Simmons, she was the Editor-in-Chief for Sidelines Magazine (a literary and art publication), and wrote creative non-fiction.
Outside of work, Sara is an avid reader, and loves rock climbing, yoga, and crocheting.