Cheap car insurance in Louisiana

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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.

  • Roadside help
  • Driver rewards
  • Fast claims

Our top pick: Root

Root offers simple, affordable insurance that’s ideal for good drivers. Try the Root app for 2 weeks and see how much you could save.

  • Safe drivers save up to 52%
  • Easy app tracks driving
  • Fast claims
  • Great support

Compare Louisiana car insurance

Name Product Roadside assistance New car protection Accident forgiveness Safe driver discount Available states
Optional
30%
All 50 states
Save up to 31% with safe driver discounts and bundling all your rides in one convenient policy.
Optional
26%
All 50 states
It's quick and easy to get an online quote with Geico, and you might be surprised at how much you could save.
52%
AZ, AR, CA, CO, CT, DE, GA, IL, IN, IA, KY, LA, MD, MS, MT, MO, NE, NM, ND, NV, OH, OK, OR, PA, SC, TN, TX, UT, VA
Root offers simple, affordable insurance that’s ideal for good drivers. Try the Root app for 2 weeks and see how much you could save.
Optional
30%
All 50 states
Enjoy premium perks like better car replacement and accident forgiveness plus local agent support.
Optional
Optional
55%
All 50 states
Get free quotes from top insurers for the exact coverage you need in minutes.
40%
All states except AK, DE, HI, MT, NH, VT, WY
Esurance offers a modern online and mobile experience that helps you take your insurance on the go. Available in 42 states.
13%
All 50 states
Enjoy having your own dedicated agent to help you get the best discounts and coverage.
15%
All 50 states
Backed by nearly 100 years in the business, Farmers Insurance aims to offer options and support to help you find the coverage you need.

Compare up to 4 providers

Cheapest car insurance in Louisiana

Cheap car insurance in Louisiana

Cheap car insurance in New Orleans

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.

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.

Is SR-22 required 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.

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%

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.

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Frequently asked questions about car insurance in Louisiana

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