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 car insurance rate calculator takes basic details into account to give you a rate estimate in Louisiana at three different coverage levels – full coverage (with limits of 100/300/100), liability only (with limits of 50/100/50) and the state minimum. See your average insurance rates in the calculator below.
- 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.
- The minimum liability coverage in Louisiana costs around $722 per year, based on CarInsurance.com’s data analysis.
Car insurance calculator Louisiana: How to get auto insurance estimates
CarInsurance.com editors suggest getting quotes from at least three different insurers when shopping for a policy, either at renewal time – every six months – or annually.
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%.
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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
Whenever you’re in the market for a new vehicle, it’s important to get car insurance quotes to include that expense in your overall budget. If affordability is your priority, vehicles with smaller engines and enhanced safety features tend to have lower insurance costs. On the other hand, sports cars and luxury vehicles come with higher insurance premiums.
| 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
Louisiana car insurance estimates for used cars
Car insurance estimates for used cars in Louisiana are typically lower than new vehicles. Insurance rates can vary based on the car’s age, make, model and driving history. It’s important to compare quotes from multiple insurers to find the most affordable coverage for your used car in Louisiana.
Use the car insurance calculator below to estimate your rates in Louisiana for used cars by make and model.
Average INSURANCE RATES for your USED CAR
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 |
Check out our detailed guide on how much car insurance you need
How much does car insurance cost in Louisiana per month?
In Louisiana, the full coverage car insurance comprises collision, comprehensive and liability with the limits of 100/300/100 and cost $240 a month. On the other hand, state minimum coverage costs $60 and liability policy with limits 50/100/50 is $106 monthly.
Does your age impact how much you pay for insurance in Louisiana?
Young drivers often pay more for car insurance in Louisiana due to their lack of driving experience and statistically higher risk of getting into accidents. Insurance companies use this data to calculate risk, and this factor is built into the premiums that young drivers pay.
In addition, young drivers are more prone to risky behaviors like speeding and distracted driving, which further raises the cost of their car insurance.
Explore our comprehensive guide on average car insurance rates by age
Calculate car insurance rates by ZIP code and model in your state
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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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Laura Longero
Executive Editor
Laura Longero is an insurance expert and Executive Editor at CarInsurance.com, where she specializes in helping consumers navigate the complexities of the financial and insurance industries. She has 15 years of experience educating people about finance and car insurance. Prior to joining CarInsurance.com, she worked as a reporter and editor at the USA Today Network. Her expertise provides readers with practical guidance, helping them make informed choices about their financial and insurance needs.
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John McCormick
Editorial Director
John is the editorial director for CarInsurance.com, Insurance.com and Insure.com. Before joining QuinStreet, John was a deputy editor at The Wall Street Journal and had been an editor and reporter at a number of other media outlets where he covered insurance, personal finance, and technology.
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Leslie Kasperowicz
Executive Editor
Leslie Kasperowicz is an insurance educator and content creation professional with nearly two decades of experience first directly in the insurance industry at Farmers Insurance and then as a writer, researcher, and educator for insurance shoppers writing for sites like ExpertInsuranceReviews.com and InsuranceHotline.com and managing content, now at CarInsurance.com.
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Nupur Gambhir
Managing Editor
Nupur Gambhir is a content editor and licensed life, health, and disability insurance expert. She has extensive experience bringing brands to life and has built award-nominated campaigns for travel and tech. Her insurance expertise has been featured in Bloomberg News, Forbes Advisor, CNET, Fortune, Slate, Real Simple, Lifehacker, The Financial Gym, and the end-of-life planning service.
Guide to car insurance (with rates) in cities of Louisiana