CarInsurance.com Insights
- Car insurance calculator is a valuable tool in estimating the cost of car insurance in Louisiana.
- The average annual cost of a full coverage policy in Louisiana with liability limits of 100/300/100 is $2,883 or $240 per month.
- Minimum liability coverage in Louisiana costs around $722 per year, based on CarInsurance.com’s data analysis.
Estimating the cost of car insurance in Louisiana depends on factors such as age, driving record, ZIP code, and the vehicle you drive.
CarInsurance.com’s auto insurance rate calculator uses your basic details to estimate car insurance costs in Louisiana for three different coverage levels: Full coverage, liability only (limits of 50/100/50) and state minimum coverage. Use the calculator below to find your average insurance rates.
Car insurance calculator Louisiana: How to get auto insurance estimates
When it comes to shopping for a policy, CarInsurance.com editors recommend that you get quotes from three different companies around renewal time – every six months – or annually. Get estimates for car insurance by using an online quoting tool.
Why? Because insurance companies have proprietary rating systems, each insurer rates factors like age or driving record differently. So, if you get a ticket, one company might penalize you 5%, while another company could penalize you 20%.
What factors affect car insurance estimates in Louisiana?
The biggest variation in insurance estimates from state to state depends on the state law. Tort insurance law varies from no-fault insurance law. Tort insurance law operates on the principle that the person responsible for causing an accident is liable for the damages. This often leads to litigation to determine fault and the extent of damage.
On the contrary, no-fault insurance laws, adopted in several U.S. states, simplify this process by mandating each party’s insurance company to cover their clients’ bodily injury losses, regardless of who caused the accident.
Learn about the 10 most important factors that affect car insurance rates
Calculate new car insurance rates in Louisiana by car model
When you’re shopping for a new vehicle, get quotes for car insurance so you can factor that cost into your overall car budget. If you’re looking for an affordable policy, cars that are the cheapest to insure have smaller engines and more safety features. On the other hand, sports cars and luxury vehicles are pricier for car insurance.
| Vehicle type | Average annual rates |
|---|---|
| Convertible | $4,284 |
| Electric | $4,170 |
| Hatchback | $3,003 |
| Hybrid | $3,444 |
| Luxury Car | $4,433 |
| Luxury SUV | $3,815 |
| Minivan | $3,037 |
| Performance SUV | $4,730 |
| Sedan | $3,244 |
| Sports Car | $5,016 |
| Station Wagon | $3,649 |
| SUV | $2,935 |
| Truck | $3,199 |
| Van | $2,767 |
“The best way to get car insurance quotes is to comparison shop – making sure you are comparing apples to apples. The internet is a great resource to compare insurance products – be sure to line up the exact dollar coverage and any riders included as well,” says James Brau, Joel C. Peterson professor of finance at Brigham Young University’s Marriott School of Business. “If you’re calling specific insurance companies, have them email written quotes to make sure there is no misunderstanding. Oftentimes, lower-cost insurance quotes don’t offer as much protection as higher-priced premiums, so it is an exercise in comparing apples to oranges.”
Use the car insurance calculator below to estimate your rates in Louisiana by make and model.
Insurance rates by car model
Speak with a friendly agent and get your quote in minutes!
Louisiana car insurance estimates for used cars
In Louisiana, the cost to insure a used car is typically lower than for a new vehicle because its depreciation decreases the replacement cost. Insurance premiums will vary depending on the vehicle’s age, make, model and driving history, so it’s a good idea to get quotes from multiple companies to find the most affordable option.
Estimate your car insurance rates for used vehicles in Louisiana using the calculator below based on your car’s make and model.
Average insurance rates for your used car
Calculate your used car insurance coverage needs in a few simple steps
FAQ: How to estimate car insurance rates before buying a car in Louisiana
How much auto insurance do I need in Louisiana?
How much car insurance you need depends on several factors, including financial circumstances, the car’s value and your risk tolerance. If your vehicle is leased or financed, the lender will likely require you to secure comprehensive and collision coverage, commonly known as full coverage, when combined with liability.
Every state has different minimum car insurance coverage requirements. But the minimum requirements usually don’t provide enough protection if you’re involved in an accident.
| Requirements | Coverage limits |
|---|---|
| Minimum bodily injury liability | $15,000 per person, $30,000 per accident |
| Minimum property damage liability | $25,000 per accident |
How much does car insurance cost in Louisiana per month?
Louisiana car insurance estimate for full coverage comprises collision, comprehensive and liability with 100/300/100 and cost $240 per month. For the state minimum liability, it’s $60, and $106 for a liability policy with limits of 50/100/50.
Does your age impact how much you pay for insurance in Louisiana?
In Louisiana, young drivers often pay higher car insurance premiums because they have less driving experience and are statistically more prone to accidents. Insurance providers take this data into account when determining the risk, which results in higher rates for younger drivers.
Young drivers are also more likely to participate in risky activities such as speeding and distracted driving, which affects car insurance premiums.
Calculate car insurance rates in your neighboring states
Resources & Methodology
Methodology
CarInsurance.com editors collected rates from Quadrant Information Services for a 40-year-old male with a good insurance score and a 12-mile commute. The rates are for a full coverage policy with limits of 100/300/100 and a $500 deductible.
We analyzed 28,561,720 insurance quotes for 1,439 makes and models from 58 national and regional insurance companies across 510 ZIP codes.
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