- The average cost of car insurance in Louisiana is $3,999 a year or $333 per month, based on our data analysis.
- Minimum liability coverage in Louisiana costs around $1,231 annually for limits of 15/30/25, while liability-only coverage costs $1,602 per year for limits of 50/100/50.
- Southern Farm Bureau provides the most affordable annual rates for full coverage car insurance in Louisiana, costing $2,230 per year.
- In Louisiana, driving incidents can significantly increase premiums, with a speeding ticket raising rates by up to 36%, a DUI raising rates by 61%, and an at-fault accident by up to 47%.
Car insurance costs in Louisiana vary greatly depending on various factors, including the type of coverage you choose, coverage limits, your address and personal factors. Southern Farm Bureau offers the cheapest annual rates for full coverage car insurance in Louisiana at $2,230 annually.
This comprehensive guide to buying car insurance for Louisiana drivers is based on data research and expert advice from CarInsurance.com’s team of insurance analysts and editors. We spent countless hours doing the homework for you and analyzed rates for various driver demographics to show you what you can expect to pay.
Keep reading to learn how auto insurance in Louisiana works and how much insurance you need.
How much is car insurance in Louisiana?
In Louisiana, drivers pay an average of $333 monthly for full coverage car insurance, based on a rate analysis by CarInsurance.com.
Understanding the average insurance cost can give you a head start in budgeting for your coverage. It’s important to consider that premium costs vary from person to person and will depend largely on the make/model of your car, your driving record and other factors.
See how rates change in Louisiana based on driver profile:
- Teen drivers in Louisiana pay the most – about $1,137 a month or $13,641 a year.
- Young drivers in their 20s pay an average of $554 monthly or $6,644 annually, for car insurance.
- Senior drivers pay around $314 monthly or $3,765 a year.
- A speeding ticket can increase your rates to $454 monthly or $5,452 annually.
- An at-fault accident increases car insurance rates to $488 a month or $5,861 a year.
- Poor credit drivers usually see their car insurance costs increase to $679 monthly or $8,148 annually.
Average cost of auto insurance in Louisiana by coverage level
In Louisiana, the cost of car insurance can vary depending on how much coverage you purchase. Louisiana drivers need at least the minimum insurance coverage limits of 15/30/25 to legally drive.
Liability-only insurance policies are the most affordable option and provide the minimum coverage required in Louisiana. However, they don’t offer much protection.
While liability insurance protects you from financial loss by covering legal defense and damages if you’re found responsible for causing injury or property damage to others, it doesn’t protect your vehicle or passengers.
On the other hand, full coverage car insurance is more expensive, but it offers extensive protection. It helps cover your vehicle in case of accidents, theft, natural disasters, and animal collisions. Full coverage can make you feel more secure, knowing you’re well-protected if something happens.
Full coverage car insurance comprises liability, comprehensive, collision and any other coverage required by your state.
In the table below, see the car insurance premiums in Louisiana for three different coverages.
| Coverage level | Monthly rates | Annual rates |
|---|---|---|
| State Minimum BI/PD | $103 | $1,231 |
| Liability Only – 50/100/50 BI/PD | $133 | $1,602 |
| Full Coverage – 100/300/100 BI/PD – 500 Comp/Coll | $333 | $3,999 |
State minimum car insurance in Louisiana
In Louisiana, minimum car insurance requirements include $15,000 of bodily injury liability per person, $30,000 of bodily injury liability per accident and $25,000 of property damage liability.
The state minimum coverage in Louisiana costs $1,231 a year but doesn’t provide much protection for drivers. Louisiana drivers may purchase additional coverage, such as comprehensive and collision insurance, increase their liability limits and add personal injury coverage or other endorsements for extra protection.
Drivers in Louisiana must be aware of the minimum car insurance requirements to remain legally compliant.
Liability-only car insurance in Louisiana
The average cost of liability-only insurance in Louisiana is $1,602 for the coverage limits of 50/100/50, based on a recent data analysis by CarInsurance.com.
Liability only pays for damage you cause to other people’s property or for injuries to others in an accident, but it doesn’t cover your passengers’ medical expenses. It’s cheaper than full coverage insurance, but it won’t help if your own car is damaged or stolen.
Full coverage car insurance in Louisiana
The average annual premium in Louisiana is $3,999 for a full coverage policy with limits of 100/300/100 – $100,000 in bodily injury coverage, $300,000 in bodily injury coverage per accident and $100,000 in property damage coverage.
When it comes to car insurance, experts recommend opting for full coverage with the highest liability limits you can afford. It includes liability, comprehensive and collision coverage with a deductible. Full coverage car insurance protects you from unexpected events on the road. with a deductible.
Calculate the cost of car insurance in Louisiana
Insurance costs can vary depending on where you live. An affordable policy for someone in one area might be more expensive for someone living elsewhere.
When determining insurance premiums, companies study crime rates, traffic conditions, car thefts and population density in different areas. This research helps them assess the associated risk and set competitive prices for their policies.
As a result, residents in higher-risk neighborhoods in Louisiana pay more for premiums than those in lower-risk areas.
Use our simple tool to see how much you’ll have to pay for car insurance. Just type in your ZIP code, and you’ll get quotes for different coverage options quickly.
Calculate car insurance rates by ZIP code in Louisiana
Rates vary by location. Our tool helps you understand how your ZIP code impacts your premium.
For 30 year old Male ( Full - 100/300/100)
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Estimate car insurance in Louisiana by car model
Car insurers in Louisiana use the make and model of your car to determine your insurance rates. Cars deemed more expensive to repair, such as luxury cars and EVs, may raise your rates more than those that may cost less to fix.
For instance, Maserati, BMW, Porsche and Audi are some of the most expensive cars to insure. Subaru, Hyundai, Honda and Mazda are among the cheapest cars to insure.
See how much you’ll pay for car insurance for your specific make and model in Louisiana.
Insurance rates by car model
Guide: How to estimate car insurance using our car insurance estimator tool
Car insurance rates by age group in Louisiana
As drivers age, their auto insurance premiums change – with younger and teen drivers paying higher rates than experienced drivers. The crash rate for teen drivers is four times higher than that of drivers aged 20 and older, according to the Insurance Institute for Highway Safety.
Car insurance companies know teen drivers are less experienced and riskier to insure. Louisiana drivers aged 30 to 60 have the lowest average auto insurance rates at $3,850 annually.
Drivers aged 16-19 pay $9,791 more for car insurance than Louisiana drivers aged 30-60 per year.
See the average rates by age group below:
- For teen drivers: Teens aged 16-19 can expect to pay $13,641 per year for a full coverage car insurance policy.
- For young adults: Drivers aged 20-25 can expect to pay $6,326 yearly for a full coverage policy.
- For average-aged adult drivers: Drivers aged 30 to 60 can expect to pay $3,850 annually in Louisiana.
- For senior drivers: Drivers aged 65 and older can expect to pay $3,765 per year.
Check out our detailed guide on average car insurance rates by age
Rates based on driver profile, history and habits in Louisiana
Having a DUI, speeding ticket or being at fault in an accident can substantially increase your insurance rates. In Louisiana, a DUI conviction often results in higher premiums and you may see an increase of up to 61% as insurers perceive you as a high-risk driver.
If you get caught speeding in Louisiana, your car insurance rates will increase by 36% when you renew your policy. Typically, you’ll pay the increased premiums for three years. But how much your rates go up can vary depending on the laws in your state, the insurance company you’re with, and your driving history.
Here’s a breakdown of how much your car insurance rate goes up in Louisiana following driving incidents:
- Speeding ticket: Up to 36% increase
- DUI conviction: 61% increase
- At-fault accident (bodily injury and property damage): 47% increase
Even if you’ve received a traffic ticket, comparing quotes can still help you save money.
Car insurance cost in Louisiana for high-risk drivers
In Louisiana, drivers deemed high-risk face higher car insurance premiums due to the increased risk. Factors such as past accidents, traffic infractions and low credit scores significantly affect premium costs.
High-risk drivers can lower their insurance premiums by comparing price quotes from different insurance companies. Each company offers different prices, so shopping around and finding the best deal that fits your needs is a good idea.
Use this tool to determine which company has the best prices for drivers with speeding tickets, DUIs, or at-fault accidents on their driving records.
Select your state and risk factor below to see the insurance company and its average annual full coverage rates.
Learn more: The 10 most important factors that affect car insurance rates
Explore car insurance costs in your neighboring states
Compare car insurance quotes in Louisiana
In Louisiana, drivers can save on their premiums by comparing insurance quotes from different carriers. The cost of car insurance can vary based on several factors, including your driving history and the model of your car. Comparing multiple options allows you to find the right policy at an affordable price.
Begin your search for the top car insurance policy in Louisiana by getting quotes from multiple insurance providers and comparing them.
In the table below, see an overview of various car insurance companies in Louisiana, along with their average annual premiums.
| Company | State Minimum | 50/100/50 | 100/300/100 |
|---|---|---|---|
| Southern Farm Bureau | $658 | $905 | $2,230 |
| GEICO | $709 | $1,153 | $3,391 |
| Farmers | $2,183 | $2,414 | $4,531 |
| Safeway Insurance | $1,452 | $1,530 | $4,609 |
| Auto Club Enterprises (AAA) | $994 | $1,414 | $4,756 |
| Louisiana Farm Bureau Insurance | $1,668 | $2,143 | $5,059 |
| Progressive | $1,335 | $2,097 | $5,206 |
| USAA | $912 | $1,227 | $2,456 |
Car insurance rates by city in Louisiana
Kenner is Louisiana’s most expensive city for car insurance at an average cost of $4,815 annually. Shreveport is the state’s least expensive city, with an average car insurance rate of $3,753 annually.
Car insurance costs differ from city to city in Louisiana, mainly because of traffic congestion. Cities with more traffic usually see more accidents and insurance claims, which makes insurance more expensive.
Rates can also be influenced by factors such as uninsured motorist statistics, expenses related to repairs and medical treatment, as well as the overall crime rate in the city.
Find below the average annual car insurance cost for drivers in some of Louisiana’s major cities.
Select your city below to see the insurance company and its average full coverage rates.
How much does car insurance cost in Louisiana per month?
The average cost of a full-coverage car insurance policy in Louisiana costs $333 monthly for coverage limits of 100/300/100.
Paying car insurance monthly can offer individuals greater budget flexibility. By spreading the cost over time, they can avoid the strain of a hefty lump sum payment and manage their expenses more comfortably.
While paying your car insurance in full upfront at renewal can sometimes get you a discount, the best choice will depend on your situation.
| Coverage level | Monthly rates |
|---|---|
| State Minimum BI/PD | $103 |
| Liability Only – 50/100/50 BI/PD | $133 |
| Full Coverage – 100/300/100 BI/PD – 500 Comp/Coll | $333 |
Final thoughts on choosing car insurance in Louisiana
When it comes to car insurance, one size doesn’t fit all. Drivers prioritize different things. Some value top-notch customer service and are willing to pay extra for it. Others focus on finding the cheapest rates possible. Some look for insurance companies with user-friendly mobile apps for managing claims and payments.
Understanding your needs and finding the best insurance policy at a great price are important. So, take your time and check out different options to find the right policy for you.
Resources & Methodology
Sources
- Insurance Institute for Highway Safety. “Teenagers.” Accessed April 2026.
- USAA. “How credit affects insurance premiums.” Accessed April 2026.
Methodology
CarInsurance.com commissioned Quadrant Information Services to get car insurance rates in Louisiana. The average premiums are based on the sample profile of a 40-year-old male and female driving a Honda Accord LX with a good insurance score and a clean driving record.
The rates are for different coverage limits. It includes:
- Full coverage car insurance with a coverage limit of $100,000 in bodily injury per person, $300,000 in bodily injury coverage per accident, $100,000 in property damage coverage per accident and a $500 collision/comprehensive deductible.
- Liability-only car insurance rates with a limit of 50/100/50.
- State minimum coverage limit of 15/30/25.
Read the detailed methodology for more information.
Note: USAA is only available to military community members and their families.
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