Average Car Insurance Cost in Louisiana (2024)

Drivers in Louisiana pay an average of $232 per month for car insurance.

Lindsay VanSomeren
Lindsay VanSomeren
  • 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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Katie Powers
Edited byKatie Powers
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Katie PowersAuto and Life Insurance Editor
  • Licensed auto and home insurance agent

  • 3+ years experience in insurance and personal finance editing

Katie uses her knowledge and expertise as a licensed property and casualty agent in Massachusetts to help readers understand the complexities of insurance shopping.

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Updated May 23, 2024

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Cheapest recent rates in Louisiana

Drivers using Insurify have found quotes as cheap as $70/mo for liability only and $122/mo for full coverage in Louisiana.

*Quotes generated for Insurify users from Louisiana within the last 10 days. Last updated on May 23, 2024

Rates shown are real-time Insurify user quotes from 100+ insurance companies and Quadrant Information Services data. Insurify’s algorithm excludes anomalous quotes and anonymizes personal details, then displays refined quotes by price, date, and insurer popularity up to 10 days ago from May 23, 2024. Actual quotes may vary based on the policy buyer’s unique driver profile.

*Quotes generated for Insurify users from Louisiana within the last 10 days. Last updated on May 23, 2024

Rates shown are real-time Insurify user quotes from 100+ insurance companies and Quadrant Information Services data. Insurify’s algorithm excludes anomalous quotes and anonymizes personal details, then displays refined quotes by price, date, and insurer popularity up to 10 days ago from May 23, 2024. Actual quotes may vary based on the policy buyer’s unique driver profile.

The state average cost of car insurance in Louisiana is $156 per month for liability insurance and $308 per month for full-coverage car insurance, which is much higher than the national average of $104 for liability and $215 for full coverage.

Louisiana ranked as the least affordable state for car insurance in the country in 2021, based on the ratio of car insurance expenses and median household income.[1] Car insurance may cost more in Louisiana than in other states due to high risks of property damage related to severe weather during hurricane season.

Here’s what you need to know about car insurance in Louisiana, including average costs.

Quick Facts
  • State Farm, USAA, and Allstate are the cheapest car insurance companies for Louisiana drivers on average.

  • The average Louisiana resident spends about 3% of their annual income on car insurance, which is twice as high as the average U.S. resident.

  • Residents of the Metairie neighborhood in the greater New Orleans metropolitan area pay the highest monthly car insurance rates in the state, at $190 for liability and $346 for full coverage, respectively.

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What’s the average cost of car insurance in Louisiana?

Louisiana state law requires all drivers to purchase the minimum liability auto insurance coverage for bodily injury and property damage liability coverage, which pays for any damage and injury you cause another driver while behind the wheel, up to the liability limits of your policy.[2] It doesn’t protect your vehicle or cover your medical expenses.

A full-coverage policy, which includes comprehensive and collision coverages, protects your car against damage from other vehicles, objects, and severe weather. The state doesn’t require it, but lenders typically require it if you finance your car.[3]

Insurers often price policies differently depending on various factors, making it important to collect car insurance quotes from multiple companies. The following table shows average quotes from the best car insurance companies in Louisiana.

The below rates are estimated rates current as of: Thursday, May 16 at 12:00 PM PDT
Insurance CompanyAverage Quote: Liability OnlyAverage Quote: Full Coverage
State Farm74122
USAA94153
Allstate121197
GEICO121198
Direct Auto124228
Progressive144235
Clearcover156255
The General162299
Liberty Mutual188280
Midvale Home & Auto235303
Bristol West239431
Root281430
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.

Average Louisiana car insurance rates by city

Louisiana auto insurance rates vary depending on where you live due to variations in crime rates, population density, and more. The largest cities in Louisiana, like New Orleans and Baton Rouge, tend to have higher rates of collisions and auto theft than less densely populated areas. Auto insurance rates can even vary by ZIP code.

Rural drivers don’t face quite as many insurance risks, but they can face different types of challenges like longer work commutes that increase the risk of an accident due to more time spent on the road.

Here are average car insurance quotes by city and coverage level in Louisiana.

CityAverage Quote: Liability OnlyAverage Quote: Full Coverage
Baton Rouge$187$359
Bossier City$124$274
Lafayette$165$316
Lake Charles$155$304
Metairie$190$346
New Orleans$194$380
Shreveport$137$266
Slidell$158$316
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.

Average Louisiana car insurance rates by age

Your age affects insurance costs. Teen drivers in Louisiana pay higher insurance costs than all other age groups due to limited driving experience and risky driving behaviors. Between the ages of 30 and 69, most drivers pay rates that decrease with age. However, car insurance costs start to increase for senior drivers older than 70 due to aging-related risk factors.[4]

The good news is young drivers can take action to lower the cost of car insurance. Many insurers offer an abundance of discount options for earning good grades, leaving your car at home while you attend college far away, or taking defensive driving courses. Purchasing a car with higher safety ratings and joining your parents’ policy can also help.

Here are the average monthly car insurance costs by age in Louisiana.

Rates by Age

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 gender affects car insurance rates in Louisiana

Alongside age, insurance companies pay attention to gender — especially for drivers younger than 25. For example, teenage males are more high-risk on the road than teenage females, so insurers charge males higher rates. The cost difference by gender decreases with age, with costs balancing out for men and women older than 35.

Here are the average costs of car insurance for men and women in Louisiana by age.

AgeMaleFemale
16$633$518
35$302$273
50$232$223
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

One of the biggest factors affecting your car insurance cost is your driving record. Drivers with a past speeding ticket, at-fault accident, or DUI generally pay higher rates than people with clean records.

Louisiana drivers with a past incident pay $328 per month for car insurance, on average. Depending on the severity and frequency of these incidents, it can even be difficult to find insurance at all.

Here are average car insurance quotes by driving record in Louisiana.

Driver RecordAverage Quote: Liability OnlyAverage Quote: Full Coverage
Clean record$156$308
With accident$243$480
With speeding ticket$237$467
With DUI$274$542
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 Louisiana car insurance rates by marital status

Your marital status might not seem important when it comes to finding the cheapest car insurance rates, but insurers consider it. Statistically speaking, married drivers tend to drive more safely, which leads to lower rates than their single peers. The savings aren’t significant, but it still plays a role.

Here are average car insurance quotes by marital status in Louisiana.

Marital StatusAverage Quote: Liability OnlyAverage Quote: Full Coverage
Single$157$309
Married$151$297
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.

Average Louisiana car insurance rates by credit tier

Insurers can consider credit-based insurance scores when determining car insurance premiums for Louisiana drivers. The majority of car insurance companies view your credit history because research shows that drivers who excel at managing their credit also tend to drive safely. Drivers with good or excellent credit typically earn lower rates than people with poor credit.

The following table shows the average price of car insurance by credit tier.

Credit TierAverage Quote: Liability OnlyAverage Quote: Full Coverage
Excellent$139$273
Good$154$303
Fair$169$333
Poor$246$485
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.

Louisiana car insurance FAQs

Before you start shopping around for car insurance, you should decide on the amount of coverage you need. The following information should help you navigate the process of buying car insurance in Louisiana.

  • What is the average cost of car insurance in Louisiana?

    The average cost of car insurance in Louisiana is $156 per month for a liability-only policy and $308 per month for a full-coverage insurance policy. Louisiana drivers pay an overall average of $232 per month for auto coverage. The cost of your specific car insurance policy will depend on your driving record, age, credit history, and more.

  • What is the cheapest car insurance in Louisiana?

    State Farm has the cheapest car insurance in Louisiana, with a liability rate of $74 per month. USAA is the second-cheapest insurer in the state, with a liability quote of $94. The third-cheapest insurer, Allstate, has a liability rate of $121 per month.

  • Is car insurance expensive in Louisiana?

    Yes. Car insurance costs much more in Louisiana than the national average, with the average resident paying about 3% of their income each month to their car insurance company. Louisiana drivers spend a higher percentage of their income on car insurance than residents of any other state in the country.

  • What are the best auto insurance companies in Louisiana?

    With a high Insurify Quality (IQ) Score of 4.4 out of 5, an A++ (Superior) financial strength rating from AM Best, and ample coverage options, State Farm is the best car insurance company in Louisiana. Other top insurers include USAA and GEICO.

  • What are the car insurance requirements in Louisiana?

    State law requires all Louisiana drivers to purchase a bodily injury liability policy with a minimum coverage limit of $15,000 per person and $30,000 per accident, as well as property damage liability coverage of at least $25,000 per accident.

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
Full-coverage premium averages correspond to the same bodily injury and property damage limits in addition to:
  • 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.

Sources

  1. Insurance Research Council. "https://www.insurance-research.org/sites/default/files/news_releases/IRC%20Auto%20Affordability%20Research%20Brief_0.pdf."
  2. Louisiana Department of Insurance. "Consumer's Guide to Auto Insurance."
  3. National Association of Insurance Commissioners. "NAIC Consumer Shopping Tool for Auto Insurance."
  4. Insurance Institute for Highway Safety. "Older drivers."
Lindsay VanSomeren
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.

Katie Powers
Edited byKatie PowersAuto and Life Insurance Editor
Photo of an Insurify author
Katie PowersAuto and Life Insurance Editor
  • Licensed auto and home insurance agent

  • 3+ years experience in insurance and personal finance editing

Katie uses her knowledge and expertise as a licensed property and casualty agent in Massachusetts to help readers understand the complexities of insurance shopping.

Featured in

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