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.
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Cheapest car insurance in Louisiana
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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.
Most popular Louisiana auto insurance companies list
| 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% |
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
| Company | Annual car insurance rate |
|---|---|
| Allstate | $3976 |
| Safe auto | $3747 |
| AAA | $5104 |
| Geico | $4397 |
| Statefarm | $2916 |
Car insurance quotes in Kenner
| Company | Annual car insurance rate |
|---|---|
| Allstate | $3944 |
| Safe auto | $3587 |
| AAA | $4011 |
| Geico | $3922 |
| Statefarm | $2738 |
Car insurance quotes in Denham Springs
| Company | Annual car insurance rate |
|---|---|
| Allstate | $3466 |
| Safe auto | $3208 |
| AAA | $3841 |
| Geico | $3705 |
| Statefarm | $2648 |
Car insurance quotes in Metairie
| Company | Annual car insurance rate |
|---|---|
| Allstate | $3192 |
| Safe auto | $3569 |
| AAA | $4011 |
| Geico | $3785 |
| Statefarm | $2534 |
Car insurance quotes in Baton Rouge
| Company | Annual 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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