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Cheap car insurance in Louisiana

Get the cheapest car insurance in Louisiana for 2021

Louisiana drivers pay an average of $1,751.37 per year for car insurance according to the National Association of Insurance Commissioners (NAIC), that’s about $145.95 per month. Lousiana drivers pay more for car insurance than any other state, and well above the national average countrywide of $1,189.64.

The NAIC takes into account all car insurance policies within the state such as drivers who select only state minimum coverage, as well as policies that include various levels of comprehensive and collision. Because car insurance rates are influenced by personal factors, you could find yourself paying significantly less.

Louisiana car insurance quick facts

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Minimum liability requirements

15/30/25

Average annual car insurance cost according to the NAIC

$1,751.37

At-fault state

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

Louisiana state minimum car insurance requirements

Drivers in Louisiana are required to carry a minimum amount of liability coverage to legally drive. You may see it written as 15/30/25, but we’ll break down what that means.

    Bodily Injury Liability

    Lousiana bodily injury liability

    • $15,000 bodily injury liability per person
    • $30,000 bodily injury per accident

    Louisiana requires $15,000 in bodily injury liability per person and $30,000 of bodily injury per accident to legally drive. That’s the lowest requirement across the US, with only four other states with liability requirements this low.

    This means $15,000 is the most your insurer will pay for a single person injured by you in an at-fault accident. And $30,000 is the maximum amount your insurer will pay if there is more than one person injured by you in an at-fault accident. Any costs outside of your bodily injury limit are required to come out of your pocket.

    Property damage liability

    Louisiana property damage liability

    • $25,000 property damage liability

    Lousiana requires drivers to carry $25,000 of property damage liability to legally drive. This limit is on the higher end of what many states require for property damage liability.

    This means $25,000 is the maximum amount your car insurance company will pay towards damages you cause to another person’s car or property, such as repairs to a car, fence or building. You’ll have to pay out of pocket for any costs beyond your property damage liability limit.

    State minimum coverage usually isn’t enough

    These state-mandated requirements are the lowest amount of coverage you need to legally drive in Louisiana, but may fall short if you’re in a major accident. To avoid high out-of-pocket costs after an accident, consider raising your liability limits by balancing coverage, your budget and what you can afford to pay out of pocket for certain damage.

    7 factors that affect car insurance rates in Louisiana

    Factors are characteristics specific to you that car insurance companies use to set how much you’ll pay for car insurance. The less risky each of your factors is the less you pay, the riskier you are the more you’ll pay. We’ll break down Louisianan’s rating factors to keep in mind.

    FactorHow it affects your rates
    Age

    Age

    How old you are is a top factor in determining your car insurance rates. With each passing year, you earn more experience on the road. More experience can equal cheaper rates. Teen drivers pay the most, but rates begin to level off around your 20’s with drivers over 50 paying the least.
    Gender

    Gender

    Louisiana takes gender into account when determining your rates. Our analysis of Quadrant data found that men under 18 pay 17% more for car insurance compared to women of the same age. But, between 31 and 45, women see rates 5% higher than men. After 45, rates differ between men and women by only 1%, with women on the higher end.
    Location

    Location

    Where you live affects your rates, including where you park your car. High theft rates, high traffic and a high number of uninsured drivers could mean higher rates.

    Louisiana vehicle theft rates stand at 266.9 vehicle thefts per 100,000 inhabitants, according to the FBI’s most recent report on vehicle theft rates. That’s well above the national average of 246 vehicle thefts per 100,000 inhabitants.

    As for uninsured drivers, 11.7% of Louisianans on the road are uninsured. That’s less than average for the percent of uninsured drivers in a state according to Insurance Information Institute, with the national average standing at 12.6%.

    Driving Record

    Driving Record

    The better your driving record, the lower your premium. If you’re in an at-fault accident you could see rates increases from 20% to 50%. And DUI’s in Louisiana can increase your rate by around 62%. These types of violations typically stay on your record for about three years.
    Vehicle and mileage

    Vehicle and mileage

    Your car’s make, model and trim directly affect how much you’ll pay for car insurance. Things like its cost, safety ratings, the likelihood of theft and sportiness all help insurers determine its cost to insure.

    Safer and cheaper vehicles score the lowest rates, with luxury vehicles with higher repair costs resulting in higher premiums.

    And, the more you’re on the road, the more at-risk you are to get in an accident, which means higher premiums. However, according to the Bureau of Transportation, Louisianans drive an average of 29.2 miles per day, that’s below the average across the US of 36.1 miles per day.

    Credit score

    Credit score

    Your credit score is included in your credit-based insurance score which insurers use to help calculate rates. According to the Insurance Information Institute, there is a strong correlation between your insurance score and claims filings. A good credit-based insurance score could mean lower rates.

    Louisiana drivers have protections under state laws that regulate the use of your credit history when issuing car insurance policies. Credit score can’t be the only factor used to determine your rates.

    Coverage

    Coverage

    The more coverage you get and the higher limits you choose, the more protection you’ll have and the more you’ll pay in monthly premiums. And, if you opt for full coverage car insurance that includes comprehensive and collision, the amount of your deductible weighs into your costs too, higher deductibles mean lower monthly premiums.
    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%

    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

    Compare car insurance providers in Louisiana

    Name Product Roadside assistance New car protection Accident forgiveness Safe driver discount Available states
    Allstate
    Optional
    13%
    All 50 states
    Your dedicated agent can help you find the best savings with multiple discounts and rewards programs.
    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.
    Pretected
    Pretected
    Optional
    Yes
    All 50 states
    Get your most compatible insurance options via a "smart matching" method aimed at finding you value.
    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.
    Clearcover
    Optional
    Yes
    AZ, CA, GA, IL, IN, KY, LA, MD, MO, MS, NE, OH, OK, PA, TX, UT, VA, WI & WV
    Get instant online support and score a low rate thanks to online data that sets premiums automatically.
    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.
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    Compare up to 4 providers

    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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