Cheap Full-Coverage Car Insurance in Louisiana (2026)
Louisiana drivers can find the cheapest full-coverage car insurance from State Farm, with an average rate of $118 per month.
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Written byJessica Martel
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Jessica MartelInsurance Writer
7+ years in personal finance writing
Certified Financial Education Instructor
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Edited byMacKenzie Korris
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MacKenzie KorrisLicensed P&C Agent, Insurance Copy Editor
Licensed property and casualty insurance agent
10+ years editing experience
NPN: 21630969
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Reviewed byJohn Leach
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John LeachLicensed P&C Agent, Chief Copy Editor
Licensed property and casualty insurance agent
10+ years editing experience
NPN: 20461358
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Quick Facts
The average cost of full coverage in Louisiana is $2,510 per year.
Full-coverage car insurance in Louisiana is higher than the national average of $2,241 per year.
Louisiana has a higher rate of bodily injury claims compared to many neighboring states, which may increase overall rates.
Cheapest full-coverage car insurance in Louisiana
On average, Louisiana drivers pay $209 per month for full-coverage car insurance. State Farm offers the cheapest full-coverage car insurance in Louisiana, at an average of $118 per month.
The table below shows the cheapest full-coverage car insurance quotes in Louisiana.
The below rates in Louisiana are estimated rates current as of: Monday, August 31 at 5:00 PM PDT.
Insurance Company | Average Monthly Quote: Full Coverage |
|---|---|
| State Farm | $118 |
| National General | $142 |
| USAA | $148 |
| Progressive | $150 |
| Allstate | $174 |
| GEICO | $197 |
| Direct Auto | $204 |
| Safeco | $266 |
| Root | $276 |
| Bristol West | $289 |
| The General | $336 |
Disclaimer: Table data sourced from real-time Louisiana car insurance quotes from Insurify's 500+ partner insurance providers and quote estimates from Quadrant Information Services. Actual car insurance quotes in Louisiana may vary based on the policy buyer's unique driver profile.
How much is full-coverage insurance in Louisiana?
The average cost of a full-coverage car insurance policy in Louisiana is $209 per month. This is higher than the national average of $187 per month and higher than the neighboring state of Alabama, but on par with rates in Texas.
Drivers in some of Louisiana’s most populated cities, such as Baton Rouge and New Orleans, pay some of the highest full-coverage rates, at $243 and $260 per month.
Some risks that increase Louisiana’s car insurance costs include severe weather, such as hurricanes, flooding, and severe storms. Louisiana also has a higher rate of bodily injury claims compared to many neighboring states, according to the National Association of Insurance Commissioners (NAIC).
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Full-coverage policies average $209/mo.
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How to find cheap full-coverage car insurance in Louisiana
To help lower the cost of a full-coverage car insurance policy in Louisiana, consider the following cost-saving tips:[1]
Compare quotes from multiple companies. Before you choose an insurer, compare quotes from multiple Louisiana insurance companies. This is a quick and easy way to save money.
Keep a clean driving record. High-risk drivers who have a history of speeding tickets, accidents, or driving while impaired (DWI) convictions generally pay higher car insurance premiums.
Drive less. More time on the road increases your risk of an accident, which can raise your rates. To reduce your mileage, consider biking, carpooling, or using public transport.
Maintain good credit. In Louisiana, some insurers use a credit-based insurance score as one factor in determining your premiums. A bad score can result in higher rates.
Bundle your coverage. Many Louisiana auto insurers offer discounts when you buy your life, home, renters, or business insurance from the same company.
Take a defensive driving course. Louisiana car insurance companies may reduce your liability and collision rates if you complete an approved defensive driving course.
Ask about discounts. Louisiana requires insurers to offer eligible military personnel a 25% discount on liability car insurance.[2] Many companies also offer multi-car, anti-theft device, good student, and good driver discounts.
What full-coverage car insurance covers
Full-coverage car insurance isn’t a policy type. Rather, it’s a combination of different types of insurance. In Louisiana, full coverage includes liability, comprehensive, and collision coverage.
Liability coverage
If you’re at fault in an accident, your liability coverage can help pay for damage or injuries you cause to others. Minimum coverage in Louisiana includes limits of 15/30/25.
Comprehensive coverage
Comprehensive coverage helps pay for damage to your vehicle caused by a non-collision event, such as a flood, vandalism, or theft.
Collision coverage
Collision coverage pays for damage to your vehicle resulting from an accident, regardless of who was at fault.
Louisiana car insurance requirements include liability limits of 15/30/25. All registered vehicle owners must carry this coverage to drive legally in the state.
Bodily injury liability: You need to have $15,000 per person and $30,000 per accident in bodily injury liability coverage. This helps cover the medical bills, hospital treatments, and additional costs related to the other person’s injuries.
Property damage liability: You must have $25,000 per accident in property damage liability coverage. This helps pay for any damage you cause to another person’s vehicle or property, such as a sign or fence.
While you can legally drive with minimum liability coverage, insurance authorities like the Insurance Information Institute (Triple-I) recommend higher limits to ensure you have the proper protection if you cause a serious accident.
Louisiana has some of the lowest minimum insurance requirements for bodily injury liability in the country. This means that if you are in a serious crash and the other person’s injuries exceed your policy, you may be responsible for paying the remaining costs out of pocket.
Minimum vs. full-coverage car insurance in Louisiana
Louisiana law requires you to carry liability coverage on any vehicle you own. Minimum coverage helps pay for another person’s injuries or damages if you cause an accident.
Full-coverage insurance is optional and provides protection for your vehicle if you’re in an accident, if you damage your car, or if someone steals it. If you own your car and it’s older, you’ll have to decide if full-coverage car insurance makes financial sense.
The following table compares liability and full-coverage insurance in Louisiana.
Factor | Liability Only | Full Coverage |
|---|---|---|
| Average cost in Louisiana | $107 | $209 |
| Covers damage to your own car? | No | Yes |
| Covers damage to other car? | Yes | Yes |
| Covers theft of your car? | No | Yes |
| Covers vandalism, theft, fire, flood, and high winds? | No | Yes |
| Required by Louisiana law? | Yes | No |
| Required by car loan/lease? | No (required by state law) | Yes |
Disclaimer: Table data is based on real-time Louisiana quotes from Insurify’s network of 500+ insurance partners. Actual rates may vary depending on the policyholder’s individual profile and coverage needs.
Is full-coverage car insurance worth it in Louisiana?
Full-coverage car insurance can be worth the investment for Louisiana drivers, especially if you drive a new, high-value vehicle and don’t have enough savings set aside to cover a repair. If you lease or finance a vehicle, your lender might require a full-coverage policy.
Louisiana experiences a variety of severe weather events, such as hurricanes, tornadoes, and flooding.[3] Full-coverage can protect your vehicle financially from these risks.
On the other hand, if you own an older vehicle that isn’t worth much, you might decide that minimum coverage makes the most financial sense. You can speak to an insurance agent for help determining what type of coverage is right for you.
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Pros and cons of full-coverage car insurance in Louisiana
Pros
Protects against flooding, which is a real risk in Louisiana
Meets lender requirements if you lease or finance your vehicle
Pays for damage to your vehicle if you’re in a collision
Cons
More expensive than state-minimum coverage
You have to pay a deductible
Might not make financial sense if you own an older vehicle
Full-coverage car insurance in Louisiana FAQs
If you’re still trying to decide if full-coverage car insurance is right for you, here’s more information to help you find the best car insurance coverage in the Pelican State.
Which companies have the cheapest full-coverage insurance in Louisiana?
State Farm, National General, and USAA offer some of the cheapest full-coverage car insurance in Louisiana, according to Insurify data.
Do you need to keep full coverage after you pay off your car loan?
No. Once you pay off your loan and own your vehicle, it’s up to you whether you want to keep full coverage in Louisiana. Louisiana law only requires you to have minimum liability coverage.
What’s the best way to lower your full-coverage premium in Louisiana?
Some of the best ways to lower the cost of full-coverage insurance in Louisiana include comparing quotes from multiple insurers, maintaining a clean driving record, increasing your deductible, improving your credit, and asking about available discounts.
Does full coverage pay for flood and hurricane damage?
Yes. A full-coverage policy typically includes comprehensive insurance and covers damage from floods or hurricanes. For example, if a hurricane causes a tree to fall on your vehicle, your comprehensive coverage helps pay to repair or replace your vehicle, up to your policy limits.
Sources
- Louisiana Department of Insurance. "Consumer's Guide to Auto Insurance."
- Louisiana State Legislature. "Military personnel premium discount; rebates; rating standards and methods."
- National Weather Service. "Flooding in Louisiana."
Methodology
Insurify data scientists analyzed more than 250 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 500+ 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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Jessica MartelInsurance Writer
7+ years in personal finance writing
Certified Financial Education Instructor
MacKenzie KorrisLicensed P&C Agent, Insurance Copy Editor
Licensed property and casualty insurance agent
10+ years editing experience
NPN: 21630969
John LeachLicensed P&C Agent, Chief Copy Editor
Licensed property and casualty insurance agent
10+ years editing experience
NPN: 20461358
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