- 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%.
The cost of car insurance in Louisiana varies significantly depending on the type and amount of insurance coverage you buy, your location, age and driving history. Southern Farm Bureau offers the cheapest rates at $2,121 a year for full coverage.
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 get a clear idea of how car insurance in Louisiana works and how much coverage you need.
How much is car insurance in Louisiana?
In Louisiana, drivers pay an average of $240 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 $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, car insurance rates can differ depending on how much coverage you choose. Drivers in Louisiana are required by law to have minimum insurance coverage limits of 15/30/25 to drive legally.
Liability-only insurance is the least expensive coverage and meets the minimum legal requirements in Louisiana, but it doesn’t offer adequate 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 costs more but provides a lot more protection. It covers damage to your car in accidents, theft, natural events and animal collisions. If you have full coverage, you can be reassured that you’re well-protected.
Full coverage comprises liability, comprehensive, collision and any other coverage required by your state.
Below, you will find the rates for car insurance in Louisiana for different coverage levels.
| 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
Louisiana laws mandate that all drivers carry insurance with minimum liability limits of $15,000 for bodily injury liability per person, $30,000 for bodily injury liability per accident and $25,000 for property damage liability.
In Louisiana, you can get state minimum car insurance for $722 per year. However, this minimum coverage doesn’t offer enough protection. Drivers can add other types of insurance, such as comprehensive and collision, increase their liability limits and buy personal injury coverage for added protection.
Drivers in Louisiana must be aware of the minimum insurance coverage requirements to stay compliant.
Liability-only car insurance in Louisiana
The average cost of liability-only insurance in Louisiana is $1,266 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
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.
Car insurance experts advise drivers to get full coverage insurance with the highest liability limits they can afford. Full coverage includes liability, comprehensive and collision coverage, 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)
Speak with a friendly agent and get your quote in minutes!
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)
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 example, luxury brands like Maserati, BMW, Porsche and Audi tend to have higher insurance costs. On the other hand, more affordable brands like Subaru, Hyundai, Honda and Mazda typically come with the cheapest insurance cost.
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 you age, the cost of your car insurance might change. As a young driver, you’ll pay more than an experienced, older driver. This is because younger drivers are more prone to accidents. The Insurance Institute for Highway Safety reports that the crash rate for teen drivers is four times higher than for drivers 20 years old or older.
Auto insurance companies understand that teenage drivers typically have less experience and pose a higher risk to insure. In Louisiana, drivers aged 30 to 60 enjoy the lowest average auto insurance premiums, at $2,796 annually.
Louisiana drivers aged 16-19 pay $5,580 more for insurance premiums than 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.
Similarly, if you get a speeding ticket in Louisiana, you’ll likely see an increase in your car insurance premium by up to 43% upon your policy renewal. Typically, you’ll pay more for three years. However, your rate increase also depends on state laws, your insurance company and your driving record.
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 this tool to compare prices from different companies and find out which is cheaper for drivers with speeding tickets, DUI convictions or 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 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 | $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 most expensive city in Louisiana, with an average car insurance rate of $3,420 a year. Sarepta is the cheapest city for Louisiana drivers at an average rate of $2,452 annually.
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.
Other factors that can affect rates include the number of uninsured drivers, the cost of repairs and medical bills and the crime rate in the city.
Below, you’ll see the average annual car insurance cost of major cities in Louisiana.
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?
Car insurance in Louisiana costs an average of $240 a month for a full coverage policy with limits of 100/300/100.
For some people, it is better to pay car insurance monthly because it gives them more flexibility in their budget. They can spread the cost over a longer period of time and don’t have to worry about a large lump sum payment.
On the other hand, paying for car insurance in full at renewal time can often result in a discount. Ultimately, your best option will depend on your needs and circumstances.
| 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
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 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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