In Louisiana, the type of car you drive can significantly affect your auto insurance premiums. Insurance companies take into account more than the make and model, they also factor in crash-test ratings, theft rates, safety features and average repair expenses. Other factors, such as your age and driving history, also play a key role in determining your premiums.
We’ve put together a list of the vehicles with the lowest insurance costs in Louisiana by make, model and vehicle type. Whether you drive a sedan, SUV, sports car, electric vehicle (EV) or any other luxury model, you’ll find the most affordable car insurance rates for each category below.
Ranked: The cheapest cars to insure in Louisiana
The Volkswagen Tiguan and Volkswagen Taos are the cheapest vehicles to insure in Louisiana, closely followed by the Subaru Crosstrek and Ford Maverick, according to our data analysis.
Below is a list of the cheapest vehicles to insure in Louisiana and their average six-month full coverage premiums.
| Car make-model | Average six-month premium |
|---|---|
| Volkswagen Tiguan | $1,593 |
| Volkswagen Taos | $1,617 |
| Subaru Crosstrek | $1,623 |
| Ford Maverick | $1,626 |
| Honda CR-V | $1,638 |
| Hyundai Kona | $1,642 |
| Mazda CX-5 | $1,645 |
| Chevrolet TrailBlazer | $1,659 |
| Chevrolet Express | $1,668 |
| Hyundai Venue | $1,674 |
Read more: Cheapest cars to insure across the United States
Most affordable cars to insure by vehicle type in Louisiana
Auto insurance rates differ based on the type of vehicle. Typically, Van models have the lowest premiums, while Performance Car tend to cost the most to insure.
Whether you drive a sedan or a luxury vehicle, we’ve crunched the numbers to find out which models cost the least to insure by vehicle type and their average six-month full-coverage premiums.
Cheapest sedans to insure in Louisiana
According to our data, the Subaru Legacy is the cheapest sedan to insure, with an average six-month full coverage premium of $1,801. This premium is based on coverage limits of 100/300/100 and $500 collision and comprehensive deductibles.
Nissan Versa ranks second on our list with an insurance cost of $1,858, followed by Honda Civic Sedan, which costs $1,875 to insure for a six-month policy.
Below is a list of the most affordable sedans to insure in Louisiana and their average full coverage six-month rates.
| Vehicle model (sedan) | Average six-month premium |
|---|---|
| Subaru Legacy | $1,801 |
| Nissan Versa | $1,858 |
| Honda Civic Sedan | $1,875 |
| Nissan Sentra | $1,949 |
| Mazda 3 Sedan | $1,955 |
| Honda Accord | $1,961 |
| Toyota Corolla | $1,963 |
| Toyota Camry | $1,977 |
| Volkswagen Jetta | $1,982 |
| Kia Forte | $1,983 |
| Hyundai Elantra | $1,988 |
| Chevrolet Malibu | $2,015 |
| Volkswagen Jetta GLI | $2,096 |
| Mitsubishi Mirage G4 | $2,103 |
| Hyundai Sonata | $2,109 |
| Kia K5 | $2,127 |
| Nissan Altima | $2,146 |
Learn more: Cheapest sedans to insure across the United States
SUVs with the cheapest car insurance costs in Louisiana
The Volkswagen Tiguan and Volkswagen Taos are the cheapest SUVs to insure in Louisiana, with an average cost of $1,593 and $1,617 respectively for a six-month full coverage policy. The table below shows how the SUVs compare in terms of insurance rates.
| Vehicle model (SUV’s) | Average six-month premium |
|---|---|
| Volkswagen Tiguan | $1,593 |
| Volkswagen Taos | $1,617 |
| Subaru Crosstrek | $1,623 |
| Honda CR-V | $1,638 |
| Hyundai Kona | $1,642 |
| Mazda CX-5 | $1,645 |
| Chevrolet TrailBlazer | $1,659 |
| Hyundai Tucson | $1,685 |
| Mazda CX-50 | $1,687 |
| Honda HR-V | $1,690 |
| Subaru Forester | $1,698 |
| Toyota RAV4 | $1,700 |
| Mazda CX-30 | $1,702 |
| Toyota Corolla Cross | $1,704 |
| Kia Sportage | $1,720 |
| Ford Escape | $1,729 |
| Kia Seltos | $1,735 |
| Subaru Ascent | $1,740 |
| Jeep Wrangler | $1,742 |
| Ford Bronco Sport | $1,746 |
Learn more: Cheapest SUVs to insure across the United States
Sports cars with affordable insurance rates in Louisiana
High-performance engines, increased repair costs and greater theft risk usually make sports cars expensive to insure.
Still, there are some models that are affordable to insure. The Mazda MX-5 Miata stands out as one of the cheapest options on our list, with an average six-month premium of $1,793.
The table below compares car insurance rates for different sports cars in Louisiana
| Vehicle model (Sport cars) | Average six-month premium |
|---|---|
| Mazda MX-5 Miata | $1,793 |
| Toyota GR86 | $2,220 |
| Honda Civic Si | $2,239 |
| Subaru BRZ | $2,309 |
| Toyota GR Corolla | $2,326 |
| Subaru WRX | $2,434 |
| Nissan Z | $2,454 |
| Chevrolet Camaro | $2,460 |
| Honda Civic Type R | $2,508 |
| BMW Z4 | $2,515 |
| Ford Mustang | $2,571 |
| Porsche 718 Cayman | $2,579 |
| Toyota GR Supra | $2,610 |
| Porsche 718 Boxster | $2,634 |
| Chevrolet Corvette | $2,943 |
| Chevrolet Camaro ZL1 | $3,325 |
| Jaguar F-Type | $3,643 |
| Chevrolet Corvette Z06 | $3,677 |
| Porsche 911 GT3 | $4,151 |
| Porsche 911 | $4,166 |
Learn more about cheapest sports cars to insure
Most affordable luxury vehicles to insure in Louisiana
Luxury cars are equipped with high-end components and advanced systems, making them expensive to fix or replace and resulting in high insurance rates. Unlike luxury vehicles, smaller SUVs such as the Honda CR-V, Honda HR-V and Volkswagen Tiguan generally have lower insurance premiums.
Among luxury vehicles, the Volvo XC40 has the lowest insurance cost at $1,707 for a six-month full coverage policy. The Acura RDX and Mercedes-Benz GLA-Class also have affordable insurance rates at $1,787 and $1,939, respectively.
This table highlights the average full coverage insurance cost for different luxury vehicles for a six-month policy with limits of 100/300/100 and $500 collision and comprehensive deductibles.
| Vehicle model (Luxury cars) | Average six-month premium |
|---|---|
| Volvo XC40 | $1,707 |
| Acura RDX | $1,787 |
| Mercedes-Benz GLA-Class | $1,939 |
| Audi Q3 | $1,954 |
| Acura Integra | $1,989 |
| Acura MDX | $1,998 |
| Land Rover Discovery Sport | $2,017 |
| Cadillac XT5 | $2,025 |
| Lexus RX | $2,028 |
| Land Rover Range Rover Evoque | $2,030 |
| Lexus NX | $2,033 |
| Mercedes-Benz GLB-Class | $2,045 |
| Cadillac XT4 | $2,048 |
| Alfa-Romeo Tonale | $2,068 |
| BMW X1 | $2,077 |
| Volvo XC60 | $2,084 |
| Lincoln Corsair | $2,101 |
| BMW X2 | $2,115 |
| BMW X3 | $2,119 |
| Infiniti QX50 | $2,125 |
Read more about insuring luxury cars in 2025
Top electric cars with cheap insurance rates in Louisiana
Electric vehicles are more expensive to buy and insure than many of their gas-powered counterparts because of their expensive components, such as batteries, and the cost of parts and labor to repair them.
According to our data analysis, insuring an electric vehicle costs an average of $4,891 a year or $408 a month.
Below is a list of the most affordable EVs to insure in Louisiana for a full coverage policy and average six-month premiums.
| Vehicle model (EVs) | Average six-month premium |
|---|---|
| Kia Niro EV | $1,824 |
| Mini Cooper Electric | $1,845 |
| Hyundai Kona Electric | $1,858 |
| Volkswagen ID.4 | $1,944 |
| Nissan Leaf | $1,952 |
| Chevrolet Silverado EV | $1,973 |
| Subaru Solterra | $2,032 |
| Kia EV6 | $2,043 |
| Hyundai Ioniq 5 | $2,095 |
| Chevrolet Blazer EV | $2,134 |
| Audi Q4 e-tron | $2,158 |
| Toyota bZ4X | $2,172 |
| Ford F-150 Lightning | $2,179 |
| Cadillac LYRIQ | $2,187 |
| Hyundai Ioniq 6 | $2,192 |
| Volvo XC40 Recharge | $2,218 |
| Volvo C40 Recharge | $2,243 |
| Mercedes-Benz EQB | $2,243 |
| Kia EV9 | $2,251 |
| Toyota Mirai | $2,266 |
Learn more about how much does insuring an electric vehicle cost
Cheapest cars to insure for teens and young drivers in Louisiana
Choosing the right vehicle can significantly affect how much a young driver pays for insurance. Drivers younger than 25 pay the most of any age group due to their general lack of experience and greater risk of accidents. Vehicles considered safe with smaller engines, cheaper to repair, and less likely to be stolen come with lower premiums.
For instance, a Subaru Crosstrek costs an average of $6,093 to insure for an 18-year-old driver, whereas a Volkswagen Tiguan costs an average of $6,275 for a six-month full coverage car insurance policy for an 18-year-old driver.
The table below highlights the cheapest cars to insure based on vehicle type, helping young drivers and their families make confident decisions.
Choose your state and vehicle type to see average six-month insurance rates by vehicle make-model for teens and young drivers.
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Final thoughts
Insurance rates vary significantly based on the car you drive, but other factors, such as where you live, your driving record and the coverage level you choose, are also important. Our guide will help you choose a vehicle that not only suits your lifestyle but is affordable to insure.
See which cars are cheapest to insure in neighboring states
Frequently asked questions
Do electric cars have lower insurance costs in Louisiana?
Generally speaking, EVs are more expensive to insure than gas-powered vehicles. However, some electric cars are relatively affordable to insure compared to similar gas-engine vehicles.
For example, it costs $1,824 to insure a Kia Niro EV for a six-month policy, whereas the insurance cost of a Mini Cooper Electric is $1,845, according to our analysis.
Which SUVs are the cheapest to insure in Louisiana?
The Volkswagen Tiguan is one of the cheapest SUVs to insure in Louisiana, with an average cost of $1,593 for a six-month car insurance plan. The Volkswagen Taos and Subaru Crosstrek also come with relatively low insurance premiums.
What are the cheapest cars to insure for teen drivers in Louisiana?
The Subaru Crosstrek, Volkswagen Tiguan, Honda CR-V and Subaru Forester are some of the cheapest cars to insure for an 18-year-old driver in Louisiana. On the other hand, Maserati Quattroporte, BMW M8 Gran Coupe and Porsche 911 Turbo are the most expensive vehicles to insure for a young driver.
Methodology
CarInsurance.com collected data from Quadrant Information Services for different makes and models. The rates are based on sample profiles of 18-year-old and 40-year-old drivers carrying full coverage policies with limits of 100/300/100 and $500 collision and comprehensive deductibles.
To evaluate the premiums, we have compared 67,566,780 insurance quotes from 57 insurance companies for 1,661 makes and models across 510 ZIP codes nationwide. The rates are for comparison purposes only; your exact rates may vary.
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