Average Car Insurance Cost in Louisiana (2024)

The state average cost of car insurance in Louisiana is $156 per month for liability insurance and $307 per month for full-coverage car insurance, which is much higher than the national average of $104 for liability and $214 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.

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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.

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.

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.

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.

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 $327 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.

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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.

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.

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