Louisiana drivers pay approximately $2,827 yearly for full coverage and $1,187 for minimum coverage, assuming a 40-year-old driver with solid credit and no violations. Louisiana positions at 50th for full coverage and 48th for minimum coverage nationwide, with premiums 94% and 73% above typical rates respectively.
Average Cost of Car Insurance in Louisiana
Updated: October 16, 2025
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Key Takeaways
Louisiana car insurance costs can range anywhere from $1,187 to $2,827 per year on average depending on your chosen coverage, driving profile and location.
Louisiana ranks as one of the most expensive in the country ranking 48th and 50th overall for minimum and full coverage car insurance affordability respectively.
To secure the cheapest car insurance in Louisiana, start by deciding your coverage requirements, then research various companies before comparing quotes extensively.
Average Car Insurance Cost In Louisiana
| Full Coverage | $236 | $2,827 |
| Minimum Coverage | $99 | $1,187 |
Adding comprehensive and collision to your liability policy increases costs by $1,640 annually, roughly $137 per month. Actual rates depend on your specific circumstances, driving history and policy selections.
Average Louisiana Car Insurance Cost By Category
Drivers with older vehicles secure the most reasonable rates in Louisiana at $225 monthly for full coverage, though even this "affordable" option remains costly due to the state's challenging insurance environment. Personal factors significantly impact your car insurance costs in Louisiana.
Young drivers face extreme premiums at $517 monthly for full coverage and $223 for minimum coverage, reflecting both inexperience and Louisiana's high base rates. Adult drivers pay elevated baseline rates at $231 monthly for full coverage and $98 for minimum, while credit-challenged drivers encounter additional costs at $312 for full coverage.
| Young Drivers | $223 | $517 |
| Adult Drivers | $98 | $231 |
| Senior Drivers | $101 | $233 |
| Drivers With An Accident | $133 | $310 |
| Drivers With A DUI | $145 | $326 |
| Drivers With A Speeding Ticket | $116 | $275 |
| Drivers With Bad Credit | $138 | $312 |
| Drivers With Low Income | $75 | $164 |
| Drivers With Newer Cars | $131 | $301 |
| Drivers With Old Cars | $97 | $225 |
Louisiana's high rates across all categories stem from frequent natural disasters, elevated accident rates and legal factors affecting insurance costs statewide.
FIND THE BEST CHEAP PROVIDER FOR YOUR PROFILE
Check out our comprehensive roundup guides to identify the best cheap provider for your profile.
Average Louisiana Car Insurance Cost by Company
GEICO provides the lowest rates in Louisiana at $156 monthly for full coverage, while Progressive commands premium pricing at $225 monthly. Louisiana drivers see substantial rate differences between insurance companies, with full coverage ranging from $156 to $225 monthly across popular providers.
Smart shoppers can save over $818 annually by selecting the right insurer in Louisiana's challenging market.
| Geico | $54 | $156 |
| State Farm | $71 | $211 |
| Progressive | $77 | $225 |
| Farm Bureau | $87 | $212 |
| Safeway Insurance | $105 | $173 |
Average Louisiana Car Insurance Cost By City
Monthly full coverage premiums range dramatically from $166 in Sarepta to $379 in New Orleans, with metropolitan areas commanding substantially higher rates due to traffic congestion and elevated claim frequency. Geographic location significantly affects Louisiana car insurance costs across the state's diverse parishes.
The substantial $213 monthly spread between cities highlights how location-based factors powerfully influence pricing in Louisiana's challenging insurance market. Compare rates for your city below.
Data filtered by:Results filtered by:
Select
City:Abbeville
| Full Coverage | $207 | $2,483 |
| Minimum Coverage | $88 | $1,057 |
*Rates are based on a 40-year-old driver with good credit and a clean record driving a 2012 Toyota Camry LE. Minimum coverage means basic liability required by state law. Full coverage includes 100/300/100 liability limits plus comprehensive and collision with $1,000 deductibles.
Is Louisiana Car Insurance Expensive?
Louisiana ranks 50th for full coverage and 48th for minimum coverage affordability, making it one of the most expensive states for car insurance. Your actual costs may vary based on your specific city.
Why Is Car Insurance More Expensive In Louisiana?
Here's what drives Louisiana's car insurance costs:
Most Expensive Car Insurance in the Nation
Louisiana consistently ranks as the most expensive state for car insurance, with average annual premiums well above the national average. Rates have increased substantially in recent years, with Louisiana jumping to first place among the most expensive states. The high cost is driven by frequent severe weather, numerous uninsured drivers, and a large number of car accident-related lawsuits.
Hurricane and Severe Weather Risks
Louisiana sits in hurricane alley and experiences a major hurricane every three years, with many hurricanes recorded since the mid-1800s. Comprehensive car insurance covers flooding damage from hurricanes and severe weather, but many drivers don't realize they need separate flood insurance for their homes. The frequency and severity of storms are steadily increasing, leading to more comprehensive claims and higher premiums.
"No Pay, No Play" Law
Louisiana has a "No Pay, No Play" law that prevents uninsured drivers from recovering the first $15,000 in bodily injury damages and the first $25,000 in property damage, even if they're not at fault for the accident. This law, enacted in 2011, was designed to encourage drivers to purchase the required minimum liability insurance. The law includes exceptions for situations involving drunk drivers, hit-and-run accidents, intentional acts, or when the uninsured driver is a passenger.
High Rate of Uninsured Drivers
Despite the "No Pay, No Play" law, approximately 12% of Louisiana drivers remain uninsured, contributing to higher insurance costs for everyone. The high percentage of uninsured and underinsured drivers creates increased risk of lawsuits and uninsured motorist claims, which drives up premiums for insured drivers.
Challenging Geographic and Urban Factors
New Orleans drivers pay the most for car insurance in Louisiana, with much higher annual costs compared to rural areas. Dense traffic in metropolitan areas like New Orleans increases accident likelihood, while higher crime rates contribute to more comprehensive claims. The state's low elevation and coastal location also create unique flooding risks that affect comprehensive coverage costs.
Low Minimum Coverage Requirements
Louisiana requires only 15/30/25 liability coverage: $15,000 per person, $30,000 per accident for bodily injury, and $25,000 for property damage. These minimum requirements are relatively low compared to other states and may not provide adequate protection in serious accidents. Many drivers only carry minimum coverage, which is often insufficient to cover damages in major collisions.
High Litigation and Lawsuit Rates
Louisiana has a large number of car accident-related lawsuits, contributing to higher insurance costs. The state follows pure comparative negligence laws, meaning multiple parties can be held liable for accidents with damages adjusted according to their proportion of fault. This legal environment encourages more litigation, which insurers factor into their pricing.
Limited Carrier Options and Market Competition
Some major insurers charge much more in Louisiana, with rates well above the state average. The challenging insurance market in Louisiana has led some carriers to limit their exposure or charge premium rates. There's a wide variance in pricing strategies among insurers operating in the state.
How To Lower Car Insurance Costs In Louisiana
Want to cut your car insurance costs? Here's how to lower your rates:
- 1
Decide on coverage needs beforehand
Decide on your coverage needs before shopping so you aren't oversold on coverage you don't need. Consider your budget, driving habits, car value, and risk tolerance.
- 2
Research costs and discounts
Know the average costs for your profile and coverage level to spot good deals. Research car insurance discounts you qualify for and check home and auto insurance bundles for additional savings.
- 3
Look into company reputations and coverage options
Cost isn't everything. Consider add-on coverage options and customer experiences with different providers to narrow down which companies to compare. Use industry studies, review forums, and public forums like Reddit for research.
- 4
Compare quotes through multiple means
Compare quotes from multiple companies side by side to find the best deal. Use different methods like online comparison sites and independent agents since pricing varies by method.
Cost of Car Insurance in Louisiana: Bottom Line
Louisiana car insurance costs are among the most expensive in the United States. Decide on your coverage needs first, research companies thoroughly, and compare quotes from multiple insurers to get the best rates.
Cost of Car Insurance in Louisiana: FAQ
Below are answers to frequently asked questions about Louisiana car insurance costs:
How much is Louisiana car insurance per month?
Louisiana car insurance costs $99 monthly for minimum coverage and $236 for full coverage. Rates range from $75 to $517 monthly depending on your driver profile and coverage choice.
What factors affect Louisiana car insurance costs?
Your driving record, age and location affect your rates, with accidents, violations, and younger drivers facing higher costs. Urban areas cost more than rural ones.
Why is Louisiana car insurance so expensive?
Louisiana consistently ranks as the most expensive state for car insurance, with average premiums of $2,827 annually. The state's "No Pay, No Play" law limits uninsured drivers' damage recovery rights. Louisiana faces frequent hurricanes, has high uninsured driver rates at 16.2%, and experiences significant litigation. Low minimum coverage requirements often prove inadequate for serious accidents.
How expensive is Louisiana car insurance?
Louisiana ranks 48th for minimum coverage and 50th for full coverage affordability, making it one of the most expensive places for car insurance.
How We Determined Louisiana Car Insurance Costs
We used the following profile and modifications of this profile to determine Louisiana auto insurance costs across all available zip codes and cities in the state:
- 40-years-old
- Clean driving record
- Good credit
- 2012 Toyota Camry LE
Minimum coverage was defined as a state's minimum liability coverage and full coverage is a policy with 100/300/100 liability limits and a $1,000 deductible for comprehensive and collision coverage.
About Mark Fitzpatrick
Mark Fitzpatrick, a Licensed Property and Casualty Insurance Producer, is MoneyGeek's resident Personal Finance Expert. With over five years of experience analyzing the insurance market, he conducts original research and creates tailored content for all types of buyers. His insights have been featured in publications like CNBC, NBC News and Mashable.
Fitzpatrick holds a master’s degree in economics and international relations from Johns Hopkins University and a bachelor’s degree from Boston College. He's also a five-time Jeopardy champion!
Passionate about economics and insurance, he aims to promote transparency in financial topics and empower others to make confident money decisions.