Louisiana car insurance guide

How much is car insurance in Louisiana?

The average cost of car insurance in Louisiana is $2,883 annually for full coverage. However, these rates vary considerably based on factors like age, coverage levels, driving record and the make and model of the vehicle.

For example, younger drivers and males pay higher insurance rates, as do drivers with poor driving records.

In May of 2025, Louisiana enacted House Bill 148, which gives the state Insurance Commissioner the power to reject proposed auto insurance rate hikes by companies if they determine “...that the rate is excessive, inadequate, or unfairly discriminatory.” Excessive rates are defined by the bill as rate hikes that would produce a profit, “...that is unreasonably high for the insurance provided or the expense provision included therein is unreasonably high in relation to the services rendered.”

While this may mean lower rates for drivers, experts have some concerns.

“With the exception of HB 148, the bills signed into law today are significant steps that Louisiana has taken toward achieving meaningful legal reform. Many additional bills that need to pass are still making their way through the legislative process, so we have a long way to go over the next two weeks if we want to fully address the cost drivers behind our unaffordable auto insurance premiums this session. At the same time, passing HB 148 was a mistake that destabilizes our market and threatens to neutralize—if not outright reverse—the progress we’re making on fixing the homeowners and auto insurance crisis in Louisiana,” says Louisiana Department of Insurance Commissioner Tim Temple.

Louisiana drivers who only want to carry the minimum car insurance can expect to pay an average of $722. However, collision and comprehensive coverages aren't included, so any damage to your vehicle in an at-fault accident would be paid out of pocket.

"While most of us are reviewing our household budgets to see where we may be able to cut corners, your car insurance policy shouldn't be one of them. If you are considering saving money buying a liability-only auto insurance policy, the minimum legal coverage in most states, think first about what it will cost you when you need to file a claimAn insurance claim is a request you make to your insurance company for coverage after your car is damaged or you have an accident. You can file a claim online, by phone, or in writing. for any injuries or damage to your vehicle other than those of the other victims when you cause a crash," says Carole Walker, executive director of the Rocky Mountain Insurance Association, a nonprofit consumer insurance information organization.

Average annual premium	$2,883
Average monthly premium	$240

Read our methodology

Louisiana car insurance rates by company

Every car insurance company uses its own criteria for determining rates. For example, while some emphasize age, others look closely at driving records. Because of this, Louisiana car insurance rates vary significantly from company to company.

The table below compares average Louisiana car insurance rates from top-rated companies for different coverage levels. On average, Southern Farm Bureau is the cheapest car insurance company in Louisiana.

Company	State minimum	Liability-only	Full coverage
Southern Farm Bureau	$427	$916	$2,121
GEICO	$507	$1,164	$2,983
Progressive	$596	$1,309	$3,065
Auto Club Enterprises (AAA)	$797	$1,752	$3,473
Louisiana Farm Bureau	$800	$1,148	$3,122
State Farm	$867	$1,525	$3,570
Safeway Insurance	$918	$1,302	$3,191
Farmers	$1,159	$1,526	$3,002
USAA	$566	$956	$1,973

Read our methodology

Louisiana car insurance costs by coverage level

Generally, Louisiana minimum car insurance is the cheapest option. However, it won't protect you or your vehicle, even if you increase your limits. Although full coverage is more expensive, it includes collision and comprehensive coverages, which pay for damages to your car from an accident or events like severe weather.

Compare Louisiana car insurance costs based on coverage level below.

State minimum car insurance	$722
Liability-only car insurance	$1,266
Full coverage car insurance	$2,883

Read our methodology

Louisiana car insurance by driver profile

Car insurance companies consider your driving record when deciding your rates because it shows how likely you are to file a claim. If you have a DUI, several accidents, or a history of reckless driving, your insurance rates will be much higher.

In most states, your credit history also affects how much you pay for car insurance. Studies show that drivers with lower credit scores are more likely to file a claim instead of paying for damages themselves.

In Louisiana, drivers with Bad credit pay the highest rates. This table shows average car insurance rates in Louisiana for other driver profiles.;

Profile groups	Average annual premium	Annual premium for profile	$ Increase	% Increase
At-fault accident	$2,883	$4,279	$1,396	48%
Bad credit	$2,883	$6,747	$3,864	134%
Careless driving	$2,883	$4,191	$1,308	45%
Claims	$2,883	$2,913	$30	1%
DUI	$2,883	$4,444	$1,561	54%
Reckless driving	$2,883	$4,550	$1,667	58%
Speeding	$2,883	$3,850	$967	34%
Texting ticket	$2,883	$3,500	$617	21%

Read our methodology

Louisiana car insurance rates by age group

Age has a big effect on car insurance rates. In Louisiana, younger drivers with less experience usually pay the most. As drivers get older and gain more experience, their rates usually go down.

The table below shows the average car insurance rates in Louisiana based on age.

Age group	Full coverage car insurance
Teens (16-19)	$8,376
Young Adults (20-24)	$4,531
Adults (25-60)	$2,867
Seniors (65-75)	$2,747

Read our methodology

How much does car insurance cost in Louisiana per month?

The average monthly cost of Louisiana car insurance varies based on the amount of coverage you choose. While the minimum required car insurance is the cheapest, full coverage offers more protection at a higher rate.

Coverage level	Average monthly premium
State Minimum BI/PD	$60
Liability Only - 50/100/50 BI/PD	$106
Full Coverage - 100/300/100 BI/PD - 500 Comp/Coll	$240

Read our methodology

Louisiana car insurance discounts

The car insurance discounts you can get and how much you can save depend on both the company and the state. As a result, in Louisiana, savings can be very different from one company to another.

Take a look at the car insurance discounts available in Louisiana below and see the average amount you can save.

Discount type	Premium before discount	Premium after discount	$ Saving
Air Bags	$1,895	$1,846	$49
Anti-Theft Device	$1,895	$1,868	$27
Daily Commute	$1,895	$1,813	$82
Days Advanced Purchase	$1,895	$1,857	$38
Education	$1,895	$1,839	$56
Electronic Funds Transfer	$1,895	$1,850	$45
Homeowner	$1,895	$1,825	$70
Lower Annual Mileage	$1,895	$1,806	$89
Loyalty - Years Renewal With Company	$1,895	$1,732	$163
Marital Status	$1,895	$1,697	$198
Multi Policy	$1,895	$1,773	$122
Paperless/Electornic Documents	$1,895	$1,876	$19
Payment Type	$1,895	$1,815	$80
Primary Use	$1,895	$1,753	$142
Profession	$1,895	$1,661	$234
Safety Devices	$1,895	$1,833	$62
Telematics	$1,895	$1,735	$160
Years Insured	$1,895	$1,491	$404
Years Licensed	$1,895	$1,451	$444

Read our methodology

Car insurance requirements in Louisiana

Louisiana requires a minimum amount of car insurance, including:

15/30/25 in liability coverage to pay for bodily injuries and property damages you cause in an accident.

Remember, the minimum coverage required by Louisiana law is just that - the minimum. Experts recommend increasing limits and adding coverage, such as collision and comprehensive, to protect yourself better. By ensuring you have adequate coverage, you can have peace of mind on the road.

State minimum requirements	15/30/25
State minimum car insurance	$722
Liability-only car insurance	$1,266
Full coverage car insurance	$2,883

Read our methodology

Car insurance rates in Louisiana by model year

The car you drive also impacts car insurance rates in Louisiana. For example, newer cars usually cost more to fix because they have pricey parts like collision warning systems, cameras and anti-theft features.

Take a look below to see how the car's model and age can change car insurance rates in Louisiana.

L O A D I N G

Company	Style	Average annual premium
State Farm	2WD 4 Door Sedan Automatic Turbo	$2,523
GEICO	2WD 4 Door Sedan Automatic Turbo	$3,010
Allstate	2WD 4 Door Sedan Automatic Turbo	$3,187
Progressive	2WD 4 Door Sedan Automatic Turbo	$3,285
Farmers	2WD 4 Door Sedan Automatic Turbo	$3,572

Read our methodology

Compare auto insurance rates by city in Louisiana

Auto insurance rates vary not just by state, but also by city. Cities have different levels of risk based on factors like accident rates, claim costs, weather and more. That means where you live in Louisiana will impact what you pay. Below, we've gathered Louisiana car insurance rates by city for comparison.

City	Annual insurance premium
Alexandria	$3,256
Atlanta	$2,597
Baton Rouge	$3,166
New Orleans	$2,949

Read our methodology

Car insurance premium trends in Louisiana

Car insurance rates change regularly, influenced by changes in the cost of repairs, claim rates and other factors. Recent years have seen car insurance rates rise across the country, but not every state has seen the same increases.

We've tracked car insurance premiumThe payment required for an insurance policy to remain in force. Auto insurance premiums are quoted for either 6-month or annual policy periods. trends in Louisiana to show you how things have changed and help you prepare for potential changes in the future. Take a look at the chart below.

Methodology

Insurance.com commissioned car insurance rates from Quadrant Data Systems in late 2023 for all 50 states and Washington, D.C. Base rates were fielded based on a 40-year-old driver with a clean record and good credit, driving a 2023 Honda Accord LX. Additional rates were fielded for multiple driver profiles including tickets, accidents and various credit tiers. Coverage levels include state minimum, 50/100/50 liability only, and full coverage at 100/300/100 liability limits with $500 deductibles. Rates were fielded from 34,588 ZIP codes and 170 insurance companies.