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Cheap car insurance in Louisiana

Get the cheapest car insurance in Louisiana for 2021

The average annual cost of car insurance in Louisiana is $1,300. Narrow down car insurers offering coverage in Louisiana by roadside assistance, accident forgiveness and more to get a quote.

Name Product Roadside assistance New car protection Accident forgiveness Safe driver discount Available states
The AARP Auto Insurance Program from The Hartford
Optional
Yes
All 50 states
Enjoy low rates for mature drivers, plus perks like new car replacement and lifetime repair guarantees. Only for drivers over age 50.
Progressive
Optional
30%
All 50 states & DC
Discover coverage that’s broader than competitors, valuable discounts up to 30% off and perks like shrinking deductibles that reward no claims.
USAA
Optional
Yes
All 50 states & DC
Affordable car insurance with highly rated customer service. Only available to military members and veterans and their family.
Root
52%
Available in 31 states
Track your driving to receive a low rate that reflects your driving skills, and enjoy a fully app-based policy experience.
Gabi
Optional
Optional
Yes
All 50 states except AK & HI
Upload your current policy info and get quotes from 40+ companies. Switch and save an average of $961 a year.
Allstate
Optional
13%
All 50 states
Your dedicated agent can help you find the best savings with multiple discounts and rewards programs.
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Louisiana

Car insurance quick facts

15/30/25

Minimum liability requirements

$1,300

Average annual car insurance cost

30

Days to update your license

At-fault state

In at fault states, the driver who caused the accident pays for damages.

CompanyDirect premiums written (billions)Market share
State Farm$1,524,93831.6%
Progressive$708,87414.7%
Allstate$536,75911.1%
Geico$496,30810.3%
USAA$278,2385.8%
Liberty Mutual$248,7855.2%
Southern Farm Bureau$244,5035.1%
GoAuto$165,2543.4%
National General$91,5001.9%
Safeway$78,2471.6%

Average car insurance costs in Louisiana

Louisiana’s drivers pay an awful lot for car insurance — somewhere around $1,900 each year. This is far above the national average of $1,200-1,300, and second only to Michigan’s sky-high rates when we look at state-by-state rankings. However, because car insurance is influenced by so many outside factors, you could find yourself paying significantly less than this figure.

Cheap car insurance in Louisiana

Car insurance laws in Louisiana

You’re required to have liability coverage for your car if you want to drive in Louisiana. Your auto insurance needs to include the following at the minimum:

  • $15,000 of bodily injury coverage per person.
  • $30,000 of bodily injury coverage per accident.
  • $25,000 of property damage coverage.

When you’re shopping for car insurance, you may see this written as 15/30/25.

Can I get SR-22 insurance in Louisiana?

Yes, you might be required to file for SR-22 insurance in Louisiana if you’ve been convicted of a DUI. Your insurance provider will file this form of financial responsibility with the DMV to prove you have the minimum level of car insurance.

How to file an SR-22 in Louisiana

Which city has the cheapest car insurance in Louisiana?

Of Louisiana’s largest cities, Metairie has the cheapest rates and Marrero has the most expensive car insurance rates. Marrero drivers could face rates 2 times more than Metairie drivers.

Car insurance quotes in Marrero

CompanyAnnual car insurance rate
Allstate$3976
Safe auto$3747
AAA$5104
Geico$4397
Statefarm$2916

Car insurance quotes in Kenner

CompanyAnnual car insurance rate
Allstate$3944
Safe auto$3587
AAA$4011
Geico$3922
Statefarm$2738

Car insurance quotes in Denham Springs

CompanyAnnual car insurance rate
Allstate$3466
Safe auto$3208
AAA$3841
Geico$3705
Statefarm$2648

Car insurance quotes in Metairie

CompanyAnnual car insurance rate
Allstate$3192
Safe auto$3569
AAA$4011
Geico$3785
Statefarm$2534

Car insurance quotes in Baton Rouge

CompanyAnnual car insurance rate
Allstate$3353
Safe auto$3613
AAA$3951
Geico$3745
Statefarm$2559

Bottom line

If you drive in Louisiana, make sure to take into account the “No Pay, No Play” rule as you consider your insurance package. Compare the options available and decide on the most suitable add ons for your policy.

To learn more, from rules and regulations to getting the best rates and discounts, visit our comprehensive guide to car insurance.

Frequently asked questions about car insurance in Louisiana

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