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Louisiana Car Insurance

Louisiana is lovely, but its car insurance bills are ugly. New Orleans drivers pay rates that are among the highest in the country, and even the cheapest ZIP codes in the state pay dearly compared with their neighbors just across the Arkansas border. We've got every ZIP in Louisiana mapped out below, along with the range of state car insurance rates we got from sampling six major national insurance companies.

Louisiana Car Insurance Requirements
Average Car Insurance Rates in Louisiana
Louisiana Car Insurance Laws
Car Insurance Companies in Louisiana

Louisiana car insurance requirements

Louisiana state law requires the following minimum car insurance coverage:
Minimum bodily injury liability $15,000/$30,000
Minimum property damage liability $25,000

Louisiana Car Insurance Rates by ZIP Code & City

To learn more about the most and least expensive cities for car insurance, click the link below. Car insurance rate comparison >
Top Cities
Priciest Neighborhoods
In Louisiana
  • 70117: $2,542
  • 70128: $2,510
  • 70116: $2,510
  • 70126: $2,503
Cheapest Neighborhoods
In Louisiana
  • 71403: $1,323
  • 71474: $1,339
  • 71459: $1,339
  • 71446: $1,339

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Louisiana Car Insurance Laws

Penny Gusner
Consumer Analyst

Louisiana has relatively low minimum requirements of $15,000 per person ($30,000 per accident) for bodily injury liability insurance, but that doesn't help keep its car insurance rates down.

Louisiana is among the most expensive places in the U.S. for auto insurance. Generous claim settlements are to blame, experts say. The state insurance commissioner says that the New Orleans metro area is the worst culprit, with insurance settlements 40 percent higher than the statewide average.

Comprehensive insurance recommended for natural disasters: Natural disasters, such as hurricanes, tropical storms and tornadoes, also cause havoc and claims. If you want your car covered for damage resulting from a natural event, then you'll need to purchase comprehensive coverage for your vehicle.

Cheaper uninsured motorist option: Optional uninsured motorist (UM) and underinsured motorist (UIM) coverage are offered together, but Louisiana auto insurance companies also offer drivers the option of uninsured motorist economic-only coverage. For a lower premium, this type of UM coverage will only cover the actual costs of injuries you sustain due to an uninsured motorist. It doesn't include compensation for other items, such as pain and suffering.

No pay, no play law: Besides having your car's license plates removed, vehicle impounded, and being fined for driving without insurance, Louisiana also limits your ability to sue if you were driving uninsured and in an accident. The state's no pay, no play law prohibits uninsured motorists from collecting for the first $15,000 in bodily injuries and first $25,000 in property damage, regardless of who was at fault in the accident.

Electronic proof of insurance is accepted here: Drivers can use a traditional paper insurance card or electronic insurance data to provide proof of auto liability insurance.

Must be 18 to own a car: In Louisiana minors cannot own a car, even if it is donated or gifted to them. An adult must sign the title documentation. Most insurance companies in Louisiana will also require an adult to sign insurance documents for a minor as well.

DWI penalties: A first offense of driving while intoxicated in Louisiana can initially cost you $4500 in court costs, fines, lawyer fees and insurance costs, and will stay on your record for 10 years.

Requirements for vehicles over 20,000 pounds: Vehicles that have a gross vehicle weight or gross combined weight in excess of 20,000 pounds, typically commercial motor vehicles, are required to have higher liability limits, per Louisiana law. The weight of the vehicle and their required car insurance coverages are as follow:

  • Vehicles with a gross vehicle weight of 20,001 to 50,000 pounds must have insurance coverage of at least 25/50/25 or a single combined limit of no less than $75,000.
  • Vehicles with a gross vehicle weight over 50,001 pounds must have insurance coverage of at least 100/300/25 or a combined single limit of $300,000.

Electronic proof of insurance: Louisiana is one of 31 states that allow drivers to show proof of insurance during a traffic stop on a smartphone.

Largest car insurance companies for Louisiana by market share

Rank Company / Group Direct Premiums Written ($) Market Share (%)
1 State Farm Group 1,123,876 32.10
2 Progressive Insurance Group 479,452 13.69
3 Allstate Insurance Group 433,542 12.38
4 Berkshire Hathaway Insurance 290,938 8.31
5 Southern Farm Bureau Cas Group 183,816 5.25
6 Liberty Mutual Insurance Companies 175,339 5.01
7 USAA Group 164,269 4.69
8 Affirmative Insurance Group 119,828 3.42
9 GoAuto Insurance Co 58,161 1.66
10 Safeway Insurance Group 53,519 1.53
Source: A.M. Best market share Rankings are based on direct premiums written in 2013.