Louisiana Average Cost of Car Insurance Rates (2023)

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 than 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.

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.

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.

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.

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.

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.

Minimum Car Insurance Requirements in Louisiana

All motor vehicles operated or parked on Louisiana roadways are required to be insured. Proof of insurance must be carried in your car at all times and must be available when:

• Requested by law enforcement

• Renewing vehicle registration

• The vehicle is involved in a car accident

The minimum liability insurance requirements for private passenger vehicles in Louisiana are:

• $15,000 per person for bodily injury

• $30,000 per accident for bodily injury

As a major part of your liability insurance, bodily injury coverage covers medical bills for people other than the policyholder who are injured during an accident. Louisiana is an at-fault state, meaning the driver who is responsible for the collision is also responsible for paying for any resulting expenses, either through their car insurance provider or out of pocket.

• $25,000 per accident for property damage

If it’s determined that an insured driver is at fault for an accident, this coverage pays for repairs to the property of the other involved parties. Additionally, property damage coverage can cover legal costs if the insured driver is involved in a lawsuit following the accident.

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.

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.

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