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Cheap car insurance in Louisiana

How to get the best car insurance in Louisiana


Fact checked
Louisiana tram

If you plan to drive in Louisiana, you’re required to have liability coverage for your car, as well as keep proof of insurance and vehicle registration with your car at all times. If you’re caught in an accident without insurance, Louisiana’s No Pay, No Play law limits how much you can claim for damage, and can end up costing a lot more than your car insurance policy itself.

Compare all the car insurance requirements in Louisiana and find the cheapest rates.


Car insurance quick facts


Minimum liability requirements


Average annual car insurance cost


Days to update your license

At-fault state

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

Compare Louisiana car insurance

Name Product Roadside assistance New car protection Accident forgiveness Safe driver discount Available states
All 50 states
Discover coverage that’s broader than competitors, valuable discounts up to 30% off and perks like shrinking deductibles that reward no claims.
All 50 states
Affordable car insurance with highly rated customer service. Only available to military members and veterans and their family.
All 50 states
Your dedicated agent can help you find the best savings with multiple discounts and rewards programs.
The AARP Auto Insurance Program from The Hartford
All 50 states
Enjoy low rates for mature drivers, plus freebies and AARP member perks like free replacement cost coverage. Only for drivers over age 50.
Available in 30 states
Track your driving to receive a low rate that reflects your driving skills, and enjoy a fully app-based policy experience.
Liberty Mutual
All 50 states
Earn free accident forgiveness after five years claims-free and customize your policy anytime online at the tap of a button.

Compare up to 4 providers

CompanyDirect premiums written (billions)Market share
State Farm$1,524,93831.6%
Liberty Mutual$248,7855.2%
Southern Farm Bureau$244,5035.1%
National General$91,5001.9%

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
Safe auto$3747

Car insurance quotes in Kenner

CompanyAnnual car insurance rate
Safe auto$3587

Car insurance quotes in Denham Springs

CompanyAnnual car insurance rate
Safe auto$3208

Car insurance quotes in Metairie

CompanyAnnual car insurance rate
Safe auto$3569

Car insurance quotes in Baton Rouge

CompanyAnnual car insurance rate
Safe auto$3613

Get the cheapest quotes

Compare car insurance companies near you.

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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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