Cheap car insurance in 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.

Compare Louisiana car insurance

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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.	Get quotes More Info	Compare	loading Fetching your data...
USAA		Optional			Yes	All 50 states	Affordable car insurance with highly rated customer service. Only available to military members and veterans and their family.	Get quotes More Info	Compare	loading Fetching your data...
Allstate					13%	All 50 states	Your dedicated agent can help you find the best savings with multiple discounts and rewards programs.	Get quotes More Info	Compare	loading Fetching your data...
The AARP Auto Insurance Program from The Hartford		Optional			Yes	All 50 states	Enjoy low rates for mature drivers, plus freebies and AARP member perks like free replacement cost coverage. Only for drivers over age 50.	Get quotes More Info	Compare	loading Fetching your data...
Root					52%	Available in 30 states	Track your driving to receive a low rate that reflects your driving skills, and enjoy a fully app-based policy experience.	Get quotes More Info	Compare	loading Fetching your data...
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.	Get quotes More Info	Compare	loading Fetching your data...
Gabi		Optional	Optional		55%	All 50 states	Upload your current policy info and get quotes from 40+ companies. Switch and save an average of $961 a year.	Get quotes More Info	Compare	loading Fetching your data...
Clearcover		Optional			Yes	AZ, CA, IL, LA, OH, TX, UT and WI	Get instant online support and score a low rate thanks to online data that sets premiums automatically.	Get quotes More Info	Compare	loading Fetching your data...
Farmers					15%	All 50 states	Say hello to a local Farmers agent who can help you find the best savings from a long list of coverage options.	Get quotes More Info	Compare	loading Fetching your data...

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Most popular Louisiana auto insurance companies list

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.

Cheap car insurance in Louisiana

• Quote methodology: driver profile & coverage options

  To get these quotes, we compared rates for the same driver profile averaged across all Louisiana ZIP codes:

  • Male driver
  • 26–30 years old
  • Married
  • Good credit
  • 2017 Toyota Camry LE
  • State minimum requirements
  • $15,000/$30,000 liability
  • $15,000 property damage

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

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.

• Marrero
• Kenner
• Denham Springs
• Metairie
• Baton Rouge

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

• Do I need to change my auto insurance policy if I move to Louisiana?

  If you move to Louisiana, you’ll almost always need to change your insurance plan. Contact your insurance company and the Louisiana DMV for specifics.

• Where do I register my car in Louisiana? How quickly do I need to do it?

  You must title and register your car at your local Louisiana DMV within 30 days of moving there. Make sure that you bring your proof of Louisiana insurance.

• Can my insurance company cancel my policy if I file a claim?

  Your car insurance has the right to cancel your policy at any time. But most providers reserve cancellation for policyholders who file multiple claims in a short time or engage in risky driving behaviors that result in multiple tickets or DUI/DWIs. You’ll typically receive notice from your car insurance company before it plans to cancel your policy. If you’ve been in only a couple accidents, you should be fine.

• Will my rates go up if I file a claim through my car insurance?

  While each car insurance policy varies, it’s possible that your car insurance rates will go up if you file a claim. Some providers offer accident forgiveness programs that ensure your premium stays the same after your first accident. But in many cases, a claim on your policy raises your risk profile — and, in turn, your rates.

• How does the state check if I have insurance?

  Police officers have the right to ask you to provide proof of insurance if you’ve been pulled over. You can use:

  • An insurance card issued by your car insurance company (or a photo of it).
  • An image of your insurance card on a mobile device.
  • The declaration page of your insurance policy.
  • The insurance policy itself.

  Additionally, the Louisiana Office of Motor Vehicles (OMV) gets notifications of expired and canceled car insurance policies, so make sure your policy is current.