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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
In at fault states, the driver who caused the accident pays for damages.
Company | Direct premiums written (billions) | Market share |
---|---|---|
State Farm | $1,524,938 | 31.6% |
Progressive | $708,874 | 14.7% |
Allstate | $536,759 | 11.1% |
Geico | $496,308 | 10.3% |
USAA | $278,238 | 5.8% |
Liberty Mutual | $248,785 | 5.2% |
Southern Farm Bureau | $244,503 | 5.1% |
GoAuto | $165,254 | 3.4% |
National General | $91,500 | 1.9% |
Safeway | $78,247 | 1.6% |
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.
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:
When you’re shopping for car insurance, you may see this written as 15/30/25.
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
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.
Company | Annual car insurance rate |
---|---|
Allstate | $3976 |
Safe auto | $3747 |
AAA | $5104 |
Geico | $4397 |
Statefarm | $2916 |
Company | Annual car insurance rate |
---|---|
Allstate | $3944 |
Safe auto | $3587 |
AAA | $4011 |
Geico | $3922 |
Statefarm | $2738 |
Company | Annual car insurance rate |
---|---|
Allstate | $3466 |
Safe auto | $3208 |
AAA | $3841 |
Geico | $3705 |
Statefarm | $2648 |
Company | Annual car insurance rate |
---|---|
Allstate | $3192 |
Safe auto | $3569 |
AAA | $4011 |
Geico | $3785 |
Statefarm | $2534 |
Company | Annual car insurance rate |
---|---|
Allstate | $3353 |
Safe auto | $3613 |
AAA | $3951 |
Geico | $3745 |
Statefarm | $2559 |
Compare car insurance companies near you.
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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.
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