Car insurance rates vary greatly based on your ZIP code, the coverage you choose and other personal details, such as age and driving record. CarInsurance.com’s data shows that Southern Farm Bureau offers the most affordable car insurance at $2,121 per year.
This guide makes buying car insurance in Louisiana easy. We’ve done the hard work by researching and analyzing what different drivers might pay for insurance.
Keep reading to learn how auto insurance in Louisiana works and how much insurance you need.
- The average cost of car insurance in Louisiana is $2,883 a year or $240 per month, based on our data analysis.
- Minimum liability coverage in Louisiana costs around $722 annually for limits of 15/30/25, while liability-only coverage costs $1,266 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 $2,121 per year.
- In Louisiana, driving incidents can significantly increase premiums, with a speeding ticket raising rates by up to 43%, a DUI raising rates by 57%, and an at-fault accident by up to 62%.
How much is car insurance in Louisiana?
CarInsurance.com data found that drivers in Louisiana pay $240 monthly for full coverage car insurance.
Understanding the average insurance cost can help you budget effectively for your coverage. Remember that insurance premiums can differ significantly based on your vehicle’s make and model and your driving history.
See how rates change in Louisiana based on driver profile:
- Teen drivers in Louisiana pay the most — about $698 a month or $8,376 a year.
- Young drivers in their 20s pay an average of $378 monthly or $4,531 annually, for car insurance.
- Senior drivers pay around $229 monthly or $2,747 a year.
- A speeding ticket can increase your rates to $321 monthly or $3,850 annually.
- An at-fault accident increases car insurance rates to $357 a month or $4,280 a year.
- Poor credit drivers usually see their car insurance costs increase to $608 monthly or $7,297 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 | Avg. Monthly Cost | Avg. Annual Cost |
|---|---|---|
| State Minimum – Liability Only BI/PD | $60 | $722 |
| Liability Only – 50/100/50 BI/PD | $106 | $1,266 |
| Full Coverage – 100/300/100 Liability BI/PD with $500 Comp/Coll Deductible | $240 | $2,883 |
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 car insurance cost in Louisiana is $722 a year. However, this basic coverage only offers limited protection. Louisiana drivers can choose to add more coverage, such as comprehensive and collision insurance, raise their liability limits and include personal injury protection or other insurance coverage, for better protection.
Drivers in Louisiana must purchase the minimum required car insurance to operate their vehicles on the road.
Liability-only car insurance in Louisiana
According to CarInsurance.com data, liability-only car insurance costs $1,266 in Louisiana for limits 50/100/50.
This policy covers the cost of damages caused to others but not damages to the policyholder’s vehicle or passengers. While it is less expensive than a full coverage plan, liability-only insurance does not protect against an accident or theft of the insured vehicle.
Full coverage car insurance in Louisiana
In Louisiana, you can expect to pay around $2,883 per year for full coverage car insurance for the 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 rates can differ depending on your ZIP code because what’s affordable in one area might be expensive in another.
Different areas pose more or less risk based on crime rate, traffic, car thefts and population density. Insurance companies research each area’s risks and then use that information to determine what they can charge for premiums.
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 ( Liability - Minimum)
Estimate car insurance in Louisiana by car model
In Louisiana, car insurance costs depend on the type of car you drive. If you have a luxury or electric vehicle that’s more expensive to repair, you’ll pay higher insurance rates than someone with a car that’s cheaper to repair.
For instance, luxury brands like Maserati, BMW, Porsche, and Audi usually have higher insurance costs. Cars like Subaru, Hyundai, Honda and Mazda are often cheaper to insure.
Find out how much you’ll pay for car insurance for your vehicle 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 $2,796 annually.
Car insurance for drivers aged 16-19 costs $5,580 more annually than Louisiana drivers aged 30-60.
See the average rates by age group below:
- For teen drivers: Teens aged 16-19 can expect to pay $8,376 per year for a full coverage car insurance policy.
- For young adults: Drivers aged 20-25 can expect to pay $4,328 a year for a full coverage policy.
- For average-aged drivers: Drivers aged 30 to 60 can expect to pay $2,796 per year in Louisiana.
- For senior drivers: Drivers age 65 and older can expect to pay $2,747 per year.
Check out our detailed guide on average car insurance rates by age
Rates based on driver profile, history and habits in Louisiana
If your driving record includes a DUI, speeding ticket or an at-fault accident, your rates will increase significantly. A DUI conviction in Louisiana can increase your premiums by up to 57% because insurers see you as a risky driver.
If you get caught speeding in Louisiana, your car insurance rates will increase by 43% 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 is how much your car insurance rate increases in Louisiana after driving incidents:
- Speeding ticket: Up to 43% increase
- DUI conviction: 57% increase
- At-fault accident (bodily injury and property damage): 62% increase
But even with a traffic ticket, comparison shopping can save you money.
Car insurance cost in Louisiana for high-risk drivers
In Louisiana, if you’re a high-risk driver, you’ll pay more for car insurance. Factors such as past accidents, speeding tickets, and having a low credit score can increase your insurance costs.
Fortunately, high-risk drivers have several options to lower their insurance premiums. A good first step is to shop around and compare quotes, as each insurance provider has a unique rate structure designed to meet individual needs.
Use the tool below to see which company offers cheaper rates for drivers with speeding tickets, DUI convictions and at-fault accidents.
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 car insurance by comparing prices from different companies. Many factors affect how much you pay, like your driving history and the type of car you drive. Luckily, there are plenty of choices to help you find good insurance that fits your budget.
Compare the best car insurance options in Louisiana by getting quotes from different insurance companies.
Below are the details of Louisiana car insurance companies and their annual premiums.
| Company | State Minimum | 50/100/50 | 100/300/100 |
|---|---|---|---|
| Southern Farm Bureau | $427 | $916 | $2,121 |
| GEICO | $507 | $1,164 | $2,983 |
| Farmers | $1,159 | $1,526 | $3,002 |
| Progressive | $596 | $1,309 | $3,065 |
| LA Farm Bureau | $800 | $1,148 | $3,122 |
| Safeway Insurance | $918 | $1,302 | $3,191 |
| Auto Club Enterprises (AAA) | $797 | $1,752 | $3,473 |
| State Farm | $867 | $1,525 | $3,570 |
| USAA | $566 | $956 | $1,973 |
Car insurance rates by city in Louisiana
Marksville is the priciest city in Louisiana for car insurance, costing an average of $3,420 annually. On the other hand, Sarepta is the most affordable city, where drivers pay an average of $2,452 per year for car insurance.
Car insurance rates vary by city in Louisiana for several reasons. One of the most significant factors is traffic congestion. Areas with more traffic typically have higher rates of accidents and claims, which leads to higher premiums.
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.
The table below shows the average annual car insurance premiums for Louisiana’s largest 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 $240 monthly for coverage limits of 100/300/100.
Opting for monthly car insurance payments can be a budget-friendly strategy for some people. It allows for spreading the cost throughout the year, making it easier to manage than a hefty annual payment. This approach provides more flexibility and avoids the burden of a large upfront sum.
Alternatively, paying your car insurance in full upon renewal may earn you a discount. Ultimately, the ideal choice depends on your needs and situation.
| Coverage Level | Avg. Monthly Rates |
|---|---|
| State Minimum – Liability Only BI/PD | $60 |
| Liability Only – 50/100/50 BI/PD | $106 |
| Full Coverage – 100/300/100 Liability BI/PD with $500 Comp/Coll Deductible | $240 |
Final thoughts on choosing car insurance in Louisiana
There’s no one best car insurance for everyone. Some drivers are willing to pay a bit more for outstanding customer service, some want the lowest rates, others prefer carriers who can handle claims and payments through mobile apps and some prefer agents.
Ultimately, understanding your needs to find the best policy at the most competitive price is critical. Shop around for a good deal that provides peace of mind when hitting the open road in Louisiana.
Resources & Methodology
Sources
- Insurance Institute for Highway Safety. “Teenagers.” Accessed September 2025.
- USAA. “How credit affects insurance premiums.” Accessed September 2025.
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.
To evaluate the rates, we have compared 53,409,632 insurance quotes from 75 company groups across 34,588 ZIP codes. The average premiums are for comparison purposes only; your exact rates may vary.
Note: USAA is only available to military community members and their families.
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