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Cheap car insurance in Louisiana

How to get the best car insurance in Louisiana

Updated

Fact checked
North America, United States of America, Tallulah, Louisiana

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.

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.

Our top pick: Progressive

Discover coverage that’s broader than competitors, valuable discounts up to 30% off and perks like shrinking deductibles that reward no claims.

  • Broad coverage, including for custom car parts or ridesharing
  • Transparent pricing tools that help you buy within budget
  • Accident forgiveness on small claims or for staying claim-free
  • Stack a variety of discounts for multiple cars, autopay or homeownership

Compare Louisiana car insurance

Name Product Roadside assistance New car protection Accident forgiveness Safe driver discount Available states
Progressive
Optional
30%
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.
USAA
Optional
Yes
All 50 states
Affordable car insurance with highly rated customer service. Only available to military members and veterans and their family.
Allstate
13%
All 50 states
Your dedicated agent can help you find the best savings with multiple discounts and rewards programs.
Liberty Mutual
Optional
30%
All 50 states
Earn free accident forgiveness after five years claims-free and customize your policy anytime online at the tap of a button.
Esurance
40%
All states except AK, DE, HI, MT, NH, VT, WY
Take advantage of this online company's low base rates and mobile tools like app-based telematics and teen safe driver programs.
Gabi
Optional
Optional
55%
All 50 states
Upload your current policy info and get quotes from 20+ companies who could get you a better rate.
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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.

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

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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