Louisiana drivers pay around $2,827 per year for full coverage car insurance and $1,187 for minimum coverage on average. These rates are based on a 40-year-old driver with good credit and a clean driving record, so your actual costs will vary based on your personal details.
Average Cost of Car Insurance in Louisiana
Updated: August 15, 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 |
*Rates are for a 40-year-old driver with good credit and no driving violations who is insuring a 2012 Toyota Camry LE. Minimum coverage represents the minimum required liability coverage in the state while full coverage is representative of a 100/300/100 liability policy with a $1,000 deductible for comprehensive and collision coverage.
Average Louisiana Car Insurance Cost By Category
Your individual characteristics, geographic location and vehicle choice all play major roles in determining car insurance costs. Below, you'll find average rates for various driver categories and profiles.
| 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 |
*We modified rates based on the same 40-year-old driver profile with these changes: young drivers (16 to 25), adults (26 to 64), seniors (65+), low income (fair credit), bad credit (poor credit), newer cars (2025 Toyota Camry LE), older cars (2007 Toyota Camry LE). Driving violation profiles include only that violation.
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Personalized Average Louisiana Car Insurance Costs
These general driver categories may not match your situation. Our filterable table shows personalized costs based on your specific profile and needs.
Data filtered by:Results filtered by:
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Coverage Level:100/300/100 Full Cov. w/$1,000 Ded.
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Age Group:Adult Drivers
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Gender:Female
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Credit Alignment:Below Fair
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Driving Record:At Fault Accident ($1000-$1999 Prop Dmg)
| 100/300/100 Full Cov. w/$1,000 Ded. | 287 | 3441 |
*Rates for the age groups are based on the following assumptions: young drivers (16 to 25), adults (26 to 64), seniors (65+).
Average Louisiana Car Insurance Cost By City
Location affects Louisiana car insurance costs. Annual rates for full coverage range from $838 in Sarepta to $4,542 in New Orleans. Compare rates for your city below.
Data filtered by:Results filtered by:
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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.