Cheap Car Insurance for High-Risk Drivers in Louisiana:
Costs and Quotes (2022)

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Last Updated: January 2022

Cheapest Insurance Companies for High Risk Drivers in Louisiana (2022)

For drivers that are high-risk in Louisiana, it's important that you evaluate all of your potential insurance options to ensure you are finding the best rate. Comparing the right insurance companies after this incident will allow you to get the best possible insurance rate for drivers that are high-risk.

To simplify comparing companies, Insurify has analyzed rates from top insurance providers in Louisiana. The following are the best insurance rates from carriers that offer car insurance for high-risk drivers in Louisiana.

What Makes a Driver High-Risk in Louisiana?

Auto insurance companies take on new customers every day, and with new customers comes a certain level of assumed risk. Some drivers pose little risk for the insurer, while others can carry extensive risk. Typically, high-risk drivers are more likely to file claims or participate in risky driving, therefore, insurance companies charge them a higher average monthly rate.

As is the case with many states, in order to be labeled as a high-risk driver in Louisiana you have to have an extensive driving record with a history of violations. The most common violations that insurance providers look at are speeding, reckless driving, DUI/DWI convictions, and numerous at-fault accidents. Although high-risk drivers in Louisiana pay more in premiums, there are affordable coverage options still available to them.

Louisiana Car Insurance Rates for High-Risk Drivers
Average Monthly Cost
$287
$364
$426
$373
$335
No ViolationSpeeding TicketAt-Fault AccidentReckless DrivingFailure to Stop
Driving History

Insurify's comparison tool will help you make sure you're getting the best possible quote even after high risk driving violation. You can have peace of mind you're not paying any more than need to, and customers save $48 per month on average.

How Much Does High-Risk Driving Affect Car Insurance Rates in Louisiana?

A high-risk driving violation can have a lasting impact on your overall financial health. For instance, a simple speeding ticket or improper passing violation can result in a reckless driving charge if you are in Louisiana.

If you receive a high-risk driving violation, it is important to know that your insurance company won't take it lightly. Many providers will raise rates by as much as 48 percent, depending on which violation you are convicted of. To help offset some of the additional costs, several insurers offer special packages for high-risk drivers.

Driving History
No Violation$287
Speeding Ticket$364
At-Fault Accident$426
Reckless Driving$373
Failure to Stop$335

How Much Does a Speeding Ticket Impact Car Insurance Rates in Louisiana?

Speeding tickets are one of the most common driving violations among motorists today. They can also be quite costly when you consider their effect on monthly premiums. Drivers who have speeding tickets ultimately pay on average $77 more than drivers without.

$287
$364
No Violation - Avg. Monthly RateSpeeding ticket - Avg. Monthly Rate
$77 ▴Avg. Monthly Rate Increase

How Does an at-Fault Accident Impact Insurance Rates in Louisiana?

Even one at-fault accident can have a negative impact on your insurance rates. Drivers in Louisiana who have at-fault accidents on their record can expect to pay a higher average monthly premium. On average, drivers who have been involved in an at-fault accident tend to pay $39 more a month in insurance premiums.

$287
$426
No Violation - Avg. Monthly RateSpeeding ticket - Avg. Monthly Rate
$139 ▴Avg. Monthly Rate Increase

How Much Does Failure to Stop for a Red Light or Stop Sign Impact Car Insurance Rates in Louisiana?

If you are cited with a failure to stop at a stop sign or a red light you could face higher average monthly premiums for auto insurance. In Louisiana, a violation like that often means you will be paying an additional $48 a month to maintain coverage. Since a failure to stop falls into reckless driving, there are several insurance providers you can shop around with to find affordable coverage.

$287
$335
No Violation - Avg. Monthly RateSpeeding ticket - Avg. Monthly Rate
$48 ▴Avg. Monthly Rate Increase

Does Driving With a Suspended License Impact Car Insurance Rates in Louisiana?

Auto insurance companies take on new customers every day, and with new customers comes a certain level of assumed risk. Some drivers pose little risk for the insurer, while others can carry extensive risk. Typically, high-risk drivers are more likely to file claims or participate in risky driving, therefore, insurance companies charge them a higher average monthly rate.

As is the case with many states, in order to be labeled as a high-risk driver in Louisiana you have to have an extensive driving record with a history of violations. The most common violations that insurance providers look at are speeding, reckless driving, DUI/DWI convictions, and numerous at-fault accidents. Although high-risk drivers in Louisiana pay more in premiums, there are affordable coverage options still available to them.

Tips for Researching High-Risk Louisiana Car Insurance Rates

Insurance prices and policies can vary significantly between companies, and a large and growing state like Louisiana draws a wide variety of choices when factoring high-risk driving insurance rates.

Insurify''s rate 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 you need to, and customers save $585 per year on average.

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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.

Methodology

The car insurance quotes displayed are based on an analysis of Insurify’s database of over 40 million quotes from 500 ZIP codes nationwide. To obtain representative rates, Insurify’s data science team performs frequent comprehensive analyses of the factors car insurance providers weigh to calculate rates including driver demographics, driving record, credit score, desired coverage level, and more.

Insurify’s analysis also incorporates the Insurify Composite Score (ICS) assigned to each insurance provider. The ICS is a proprietary rating that weighs multiple factors reflecting the quality, reliability, and health of an insurance company. Ratings used to calculate the ICS include Financial Strength Ratings from A.M. Best, Standard & Poor’s, Moody’s, and Fitch; J.D. Power ratings; Consumer Reports customer satisfaction surveys and customer complaints; mobile app reviews; and user-generated company reviews. 

With the above insights and ranking methods, Insurify is able to offer car insurance shoppers insight into how various insurance providers compare to one another in terms of both cost and quality. Note, actual quotes will vary based on unique attributes including the policyholder’s driver history and their garaging address.