As Insurify’s home and pet insurance editor, Danny also specializes in auto insurance. His goal is to help consumers navigate the complex world of insurance buying.
Konstantin has led data teams across multiple industries, including insurance, travel, and biology. He’s led Insurify’s engineering team for more than three years.
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With an overall average monthly car insurance rate of $360, Louisiana has some of the most expensive car insurance costs in the country. The state’s risk of damage from extreme weather contributes to its higher insurance costs. Weather-related disasters cost the state about $6.9 billion per year, according to data from the National Centers for Environmental Information.
Drivers in the Pelican State pay about $407 per month, on average, for full-coverage car insurance and around $313 for liability only.
Quick Facts
Auto insurance premiums in Louisiana are 47% higher than the national average of $212.
Louisiana requires all drivers to carry a minimum amount of liability car insurance — but nearly 12% of state drivers are uninsured.
Your credit score can affect how much you pay for car insurance in Louisiana.
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Cheapest car insurance companies in Louisiana
State Farm has the cheapest rates for Louisiana drivers. However, this doesn’t mean it’s the best car insurance company for you. Your auto insurance cost may be higher or lower depending on various factors, such as the type of car you drive, your age, and your credit score. Always compare quotes before buying a policy.
The Insurify Quality (IQ) Score uses more than 15 criteria to objectively rate insurance companies on a one-to-five scale. The Insurify editorial team researches insurer data to determine the final scores.
4.4
JD Power
J.D. Power data measures overall customer satisfaction and claims satisfaction based on a 1,000-point scale.
842
Liability Only
Liability-only insurance, sometimes called minimum-coverage insurance, pays for bodily injury and property damage to others in an accident the policyholder causes. It does not pay for the insured’s own damages.
$76/mo
Full Coverage
Full-coverage car insurance generally includes liability, collision, and comprehensive coverage, and may include other optional coverages such as uninsured motorist coverage. Collision covers a policyholder’s repair or replacement costs in case of an accident. Comprehensive covers damages caused by non-accident events. The average quote displayed here reflects policies with the following coverage limits: $50,000 bodily injury liability per person; $100,000 bodily injury liability per accident; $50,00 property damage liability per accident; $1,000 collision deductible; and a $1,000 comprehensive deductible.
$117/mo
The average monthly cost of a liability-only policy from State Farm is $139 — 56% less than the state average. State Farm also has the highest Insurify Quality (IQ) Score among the cheapest insurers, making it a top choice for customer satisfaction, cost, financial strength, and availability. From Abbeville to Zachary, you’ll find a State Farm agent in 122 Louisiana cities.
Pros
Savings of up to 30% possible via safe driver discount
Mobile app allows for easy policy management
Above-average customer satisfaction ratings in the J.D. Power 2022 U.S. Auto Insurance Study[1]
Cons
Must go through an agent to buy a policy
Gap insurance not available
57 complaints in Louisiana in 2022, according to the National Association of Insurance Commissioners (NAIC)[2]
The Insurify Quality (IQ) Score uses more than 15 criteria to objectively rate insurance companies on a one-to-five scale. The Insurify editorial team researches insurer data to determine the final scores.
4.3
JD Power
J.D. Power data measures overall customer satisfaction and claims satisfaction based on a 1,000-point scale.
880
Liability Only
Liability-only insurance, sometimes called minimum-coverage insurance, pays for bodily injury and property damage to others in an accident the policyholder causes. It does not pay for the insured’s own damages.
$96/mo
Full Coverage
Full-coverage car insurance generally includes liability, collision, and comprehensive coverage, and may include other optional coverages such as uninsured motorist coverage. Collision covers a policyholder’s repair or replacement costs in case of an accident. Comprehensive covers damages caused by non-accident events. The average quote displayed here reflects policies with the following coverage limits: $50,000 bodily injury liability per person; $100,000 bodily injury liability per accident; $50,00 property damage liability per accident; $1,000 collision deductible; and a $1,000 comprehensive deductible.
$147/mo
Military members, veterans, and their families can benefit from USAA’s competitive rates, various coverage options, and discounts. With an IQ Score of 4.3 out of 5, the company earns high marks for customer satisfaction, financial strength, company transparency, and affordable premiums. The average liability-only policy cost is $160.
Pros
Flexible policy options and discounts for customizing coverage
Few complaints in Louisiana in 2022, according to the NAIC
Ranked well above average in the J.D. Power 2022 U.S. Auto Insurance Study in the Central region
Cons
Only available to military members and their families
Local branches not available in Louisiana
Limited customer service hours
The representative was very helpful and caring. I felt valued.
Tawana - January 17, 2023
Verified
I have been a member for 14 years. They have always delivered excellent customer care anytime I needed to reach out to them for any reason, whether it was to resolve an issue or assist me with an application for one of the many services and products they offer.
The Insurify Quality (IQ) Score uses more than 15 criteria to objectively rate insurance companies on a one-to-five scale. The Insurify editorial team researches insurer data to determine the final scores.
4.2
JD Power
J.D. Power data measures overall customer satisfaction and claims satisfaction based on a 1,000-point scale.
833
Liability Only
Liability-only insurance, sometimes called minimum-coverage insurance, pays for bodily injury and property damage to others in an accident the policyholder causes. It does not pay for the insured’s own damages.
$124/mo
Full Coverage
Full-coverage car insurance generally includes liability, collision, and comprehensive coverage, and may include other optional coverages such as uninsured motorist coverage. Collision covers a policyholder’s repair or replacement costs in case of an accident. Comprehensive covers damages caused by non-accident events. The average quote displayed here reflects policies with the following coverage limits: $50,000 bodily injury liability per person; $100,000 bodily injury liability per accident; $50,00 property damage liability per accident; $1,000 collision deductible; and a $1,000 comprehensive deductible.
$190/mo
Allstate doesn’t look at your credit score when setting your rates. While the insurer will review other aspects of your credit history, not factoring in your credit score can potentially lead to lower premiums.
From the largest cities to rural areas in Louisiana, Allstate’s average cost for liability-only insurance is $218.
Cheapest liability-only car insurance in Louisiana
Liability-only car insurance covers damages or injuries you cause to others in a car accident but doesn’t include vehicle repairs or medical costs. While it fulfills the legal requirements for minimum coverage, liability-only coverage may leave you with additional expenses.
The below rates are estimated rates current as of: Monday, September 18 at 12:00 PM PDT.
Konstantin has led data teams across multiple industries, including insurance, travel, and biology. He’s led Insurify’s engineering team for more than three years.
Disclaimer: Table data sourced from real-time quotes from Insurify's 50-plus partner insurance providers and quote estimates from Quadrant Information Services. Actual quotes may vary based on the policy buyer's unique driver profile.
Cheapest full-coverage car insurance in Louisiana
Liability coverage is enough to drive legally, but sometimes you may want more security. Full coverage includes liability-only insurance, as well as collision and comprehensive coverage. It can give you extra security if you drive a newer or pricier car or want more financial protection against accidents, theft, or other damage.
The below rates are estimated rates current as of: Monday, September 18 at 12:00 PM PDT.
Konstantin has led data teams across multiple industries, including insurance, travel, and biology. He’s led Insurify’s engineering team for more than three years.
Disclaimer: Table data sourced from real-time quotes from Insurify's 50-plus partner insurance providers and quote estimates from Quadrant Information Services. Actual quotes may vary based on the policy buyer's unique driver profile.
Car insurance requirements in Louisiana
Louisiana is a pure comparative fault state.[3] It means you can collect financial compensation even if you were partly responsible for a car accident. The law helps ensure you’re covered if you make a mistake behind the wheel. But drivers usually have a one-year time limit on filing a lawsuit.
“Insurers pay up to twice the amount in claim payments for bodily injury claims and property damage claims in Louisiana than they do in most of the rest of the country,” says John Ford, deputy commissioner of public affairs for the Louisiana Department of Insurance.
Below are Louisiana’s minimum liability car insurance requirements:
If you find yourself stuck on the side of the road, roadside assistance coverage can pay to tow your vehicle to a repair shop or another location.
Full coverage
Full coverage typically includes collision and comprehensive insurance to cover repairs or replacement after an accident, theft, fire, or other event.
Rideshare insurance
If you drive for a rideshare company, rideshare insurance fills coverage gaps left by your personal car insurance and the rideshare company’s insurance.[4]
Cheapest car insurance for drivers with an incident
An incident is an at-fault accident, speeding ticket, DUI, or another moving violation that can negatively affect your driving record and car insurance rates.
“At-fault accidents and violations are used in premium calculations because they are predictive of a driver’s risk level,” Ford says. A speeding ticket can raise rates more than $500 for liability insurance, while a DUI can add nearly $900 to your premiums.
“Each insurer treats incidents differently, but the overall frequency of incidents can raise premiums in a geographic area,” says Ford. “For example, cities with higher instances of auto theft would likely see higher premiums for comprehensive coverage relative to cities with lower instances of auto theft.”
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Cheapest car insurance for drivers with a speeding ticket
Drivers with speeding ticketspay almost five times as much for liability-only car insurance than good drivers with clean records. Affordable coverage can be difficult to find if you have a speeding ticket, but it’s not impossible. You need to take the time to compare car insurance quotes from multiple insurers.
The below rates are estimated rates current as of: Monday, September 18 at 12:00 PM PDT.
Konstantin has led data teams across multiple industries, including insurance, travel, and biology. He’s led Insurify’s engineering team for more than three years.
Disclaimer: Table data sourced from real-time quotes from Insurify's 50-plus partner insurance providers and quote estimates from Quadrant Information Services. Actual quotes may vary based on the policy buyer's unique driver profile.
Cheapest car insurance for drivers with an at-fault accident
An at-fault accidentcan lead to higher rates, but you can still find ways to keep your rates low. Look for an insurance company that offers an accident forgiveness program or specializes in serving high-risk drivers. Another option is to shop around, since insurance quotes for Louisiana drivers with an at-fault accident can vary quite a bit among insurers.
The below rates are estimated rates current as of: Monday, September 18 at 12:00 PM PDT.
Konstantin has led data teams across multiple industries, including insurance, travel, and biology. He’s led Insurify’s engineering team for more than three years.
Disclaimer: Table data sourced from real-time quotes from Insurify's 50-plus partner insurance providers and quote estimates from Quadrant Information Services. Actual quotes may vary based on the policy buyer's unique driver profile.
Cheapest car insurance for drivers with a DUI
The Louisiana Department of Transportation reports that 40% of fatal highway traffic accidents involve alcohol.[5] Navigating car insurance after driving under the influence can feel overwhelming. You might want to look for an insurance company that offers a discount for completing a defensive driving course or practicing safe driving habits.
The below rates are estimated rates current as of: Monday, September 18 at 12:00 PM PDT.
Konstantin has led data teams across multiple industries, including insurance, travel, and biology. He’s led Insurify’s engineering team for more than three years.
Disclaimer: Table data sourced from real-time quotes from Insurify's 50-plus partner insurance providers and quote estimates from Quadrant Information Services. Actual quotes may vary based on the policy buyer's unique driver profile.
Cheapest car insurance for seniors
Car insurance rates follow a pattern as people get older. After age 35, rates usually drop as drivers gain experience and become more responsible. But around age 75, premiums start to go up again. Most of Louisiana’s seniors face high car insurance costs, on average, highlighting the importance of finding reliable, affordable auto insurance options.
The below rates are estimated rates current as of: Monday, September 18 at 12:00 PM PDT.
Konstantin has led data teams across multiple industries, including insurance, travel, and biology. He’s led Insurify’s engineering team for more than three years.
Disclaimer: Table data sourced from real-time quotes from Insurify's 50-plus partner insurance providers and quote estimates from Quadrant Information Services. Actual quotes may vary based on the policy buyer's unique driver profile.
Cheapest car insurance for teens
It’s no secret that getting car insurance as a teenager can be expensive. “Because teens have the least amount of driving experience and the highest rate of accidents of any demographic, they pay the highest average rates across the U.S.,” says Mark Friedlander, corporate communications director at the Insurance Information Institute.
Teenage drivers pay significantly more for auto insurance than Louisiana’s average. But plenty of teen-focused discounts are available, including good student discounts and student away-at-school discounts, which are available if a college student in your household is attending and residing at a school more than 100 miles from home without a vehicle.
Teens can also save money by staying on their parents’ insurance policies, driving a safe car, choosing a higher deductible, or buying an inexpensive older vehicle to avoid needing to pay for collision and comprehensive coverage.
The below rates are estimated rates current as of: Monday, September 18 at 12:00 PM PDT.
Konstantin has led data teams across multiple industries, including insurance, travel, and biology. He’s led Insurify’s engineering team for more than three years.
Disclaimer: Table data sourced from real-time quotes from Insurify's 50-plus partner insurance providers and quote estimates from Quadrant Information Services. Actual quotes may vary based on the policy buyer's unique driver profile.
How to get the cheapest car insurance in Louisiana
Getting cheap car insurance in Louisiana can be tricky, considering the average premium is nearly 50% higher than the national average, but it’s possible. When setting rates, insurers evaluate your driving record, coverage needs, age, ZIP code, vehicle type, and other factors.
The Louisiana Department of Insurance suggests these tips to help you find a policy that fits your budget:
Shop around. Get multiple insurance quotes to find the best deal.
Raise your deductible. Choosing a higher deductible can lower your premium.
Apply for discounts. Save money with discounts, such as those offered to good students or safe drivers.
Bundle benefits. Bundle your car insurance with other policies, like home or renters insurance, for potential savings.
Drive safely. Maintain a clean driving record to get the cheapest rates.
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Louisiana car insurance quotes by credit tier
Your credit score can affect how much you pay for car insurance in Louisiana. If you have a poor credit score, you’ll pay about twice as much for a policy as someone with an excellent or good credit score.
It’s worth noting that Louisiana was working on legislation prohibiting insurers from using your credit information to assign a rate classification.[6] The state Legislature referred the bill to the House Committee on Insurance in March 2022, but it didn’t advance beyond that stage or move closer to becoming law.[7]
Rates by Credit Tier
Disclaimer: Table data sourced from real-time quotes from Insurify's 50-plus partner insurance providers. Actual quotes may vary based on the policy buyer's unique driver profile.
Louisiana car insurance FAQs
Finding the best car insurance in Louisiana can be challenging. Below, you’ll find answers to some of the most commonly asked questions about car insurance in the Bayou State.
How much is car insurance in Louisiana?
The average cost of car insurance in Louisiana is $360 per month. Drivers pay $313 per month for liability coverage and $407 per month for full coverage. Your average rates ultimately depend on your driving record, credit history, marital status, age, location, and more.
What are the best car insurance companies in Louisiana?
State Farm is the best car insurance company in Louisiana, with an IQ Score of 4.4 and an A.M. Best financial strength rating of A++ (Superior). It’s followed closely by USAA, with an IQ Score of 4.4 and an A.M. Best financial strength rating of A++. USAA is only available to military members and their families, however.
How much car insurance do you need in Louisiana?
Louisiana requires drivers to carry $15,000 per person and $30,000 per accident in bodily injury liability coverage, as well as $25,000 per accident in property damage liability coverage.
Is Louisiana a no-fault state?
No. Louisiana is a pure comparative fault state, meaning drivers can collect financial compensation even if they were partly responsible for an accident.
Insurify Insights
How Louisiana Drivers Measure Up
While most drivers know that car insurance quotes are determined in part by your personal driving history, many may be unaware that rates are also impacted by the average risk of the drivers around you as well. Check out Insurify's latest analysis of driving records in Louisiana below:
Methodology
Drawing from an internal database of over 4 million car insurance applications, the research team at Insurify analyzes patterns in car ownership and driver behavior - including how Louisiana drivers measure up to their fellow motorists across the United States in areas including speeding, DUIs, and more. Insurify Insights publishes data-driven articles, trend analyses, and national rankings each week on all factors related to cars and those who drive them.
Ford F-Series Pickup
Most Popular Car in Louisiana
#37
State with the Most Speeding Tickets Rank
#32
State with the Moving Violations Rank
#45
State with the Most DUIs Rank
#21
State with the most Suspended Licenses
While car accidents are a sadly unavoidable feature of time spent on the road, rates of accidents do vary from city to city and from state to state. Louisiana is the #22 state in the country for drivers with an at-fault accident on their driving record.
Rank among states: #22
Percent of drivers in Louisiana with an accident: 8.9%
While driving while intoxicated is never acceptable, it’s a more common offense than many assume. Louisiana is the #45 state in the country for drivers with a prior drunk driving conviction.
Rank among states: #45
Percent of drivers in Louisiana with a DUI: 0.9%
Reckless driving refers to a specific traffic violation: when drivers willfully act dangerously in spite of the risks they’re imposing on both themselves and others. Louisiana is the #39 state in the country for drivers with a reckless driving offense on record.
Rank among states: #39
Percent of drivers in Louisiana with a reckless driving offense: 1%
The Insurify team classifies rude drivers as those who commit one or more of the following driving offenses: failure to yield or failure to stop, improper backing, passing where prohibited, tailgating, street racing, or hit-and-run. Louisiana is the #40 state in the country for drivers with a rude driving violation on record.
Rank among states: #40
Percent of drivers in Louisiana with a rude driving violation: 1.1%
Exceeding the speed limit can endanger others and have a serious impact on your insurance costs. Louisiana is the #37 state in the country for drivers with a speeding ticket on record.
Rank among states: #37
Percent of drivers in Louisiana with a speeding ticket: 7.1%
Failing to yield the right of way isn’t just frustrating for other drivers; it’s dangerous, too. Louisiana is the #36 state in the country for drivers with a failure to yield violation on record.
Rank among states: #36
Percent of drivers in Louisiana with a failure to yield violation: 0.1%
Insurify Insights
Insurify's team of data scientists and content specialists presents Insurify Insights, a series of automotive, home, and health studies focusing on the topics that impact us all. through expert analysis of over 4 million car insurance applications and an array of top data sources, the Insurify Insights team produces new data-driven articles, trend analyses, regional superlatives, and national rankings every week. See Insurify Insights as featured in Forbes, Fox News, USA Today, NPR, and more.
Methodology
Insurify data scientists analyzed more than 90 million quotes served to car insurance applicants in Insurify’s proprietary database to calculate the premium averages displayed on this page. These premiums are real quotes that come directly from Insurify’s 50+ partner insurance companies in all 50 states and Washington, D.C. Quote averages represent the median price for a quote across the given coverage level, driver subset, and geographic area.
Unless otherwise specified, quoted rates reflect the average cost for drivers between 20 and 70 years old with a clean driving record and average or better credit (a credit score of 600 or higher).
Liability-only premium averages correspond to policies with the following coverage limits:
Bodily injury limits between state-minimum rates and $50,000 per person, $100,000 per accident
Property damage limits between $10,000 and $50,000
No additional coverage
Full-coverage premium averages correspond to the same bodily injury and property damage limits in addition to:
Comprehensive coverage with a $1,000 deductible
Collision coverage with a $1,000 deductible
Quotes for Allstate, Farmers, GEICO, State Farm, and USAA are estimates based on Quadrant Information Services’ database of auto insurance rates.
Amy is a personal finance and technology writer. With a background in the legal field and a bachelor's degree from Ferris State University, she has a talent for transforming complex topics into content that’s easy to understand. Connect with Amy on LinkedIn.
As Insurify’s home and pet insurance editor, Danny also specializes in auto insurance. His goal is to help consumers navigate the complex world of insurance buying.
Konstantin has led data teams across multiple industries, including insurance, travel, and biology. He’s led Insurify’s engineering team for more than three years.
State Farm
USAA
Allstate
