Average Cost of Car Insurance in Louisiana for 2026

In Louisiana, minimum coverage costs $99 a month against a $60 national average, and full coverage costs $236 against $124, a rate difference that's nearly three times as big. The city you live in, how old you are, your driving record and the insurer you pick all affect your rate.

Raising your liability limits to 300/500/300 in Louisiana costs $291 a month with a $1,500 deductible. Dropping to a $0 deductible on minimum liability costs almost as much at $225, despite getting less protection. State minimum liability alone costs $108 a month, and full coverage at the standard 100/300/100 benchmark with a $1,000 deductible costs $248.

New Orleans has the highest full coverage rate in Louisiana at $379 a month, $197 more than the lowest in the state, Bossier City at $182. New Orleans costs more because of its vehicle theft rate, its flood risk from lying below sea level, and traffic heavy enough to raise how often accidents happen. Bossier City costs less because of a low crime rate and a suburban setting with fewer claims per driver than Louisiana's bigger cities.

At 16, a male driver costs $666 a month ($7,988 a year) to add to a Louisiana family policy, while a female driver costs $608 a month ($7,292 a year), a $696 annual difference. That difference gets smaller the longer both drivers keep a clean record, since age and gender both affect car insurance rates in Louisiana.

A DUI in Louisiana raises full coverage from $248 to $344 a month ($1,149 more a year) and may require an SR-22 filing. That's a bigger jump than an at-fault accident ($75 more) or speeding ($38 more). Insurers here charge $4 more even when someone else caused the crash. Louisiana drivers with multiple violations can be limited to high-risk insurers at higher rates.

Louisiana drivers with bad credit pay $312 a month for full coverage, $81 more than the $231 good-credit rate. While credit score has nothing to do with how you drive, Louisiana lets insurers use credit history to quote you, varying rates across companies. Either way, credit is the one thing you can actually change yourself.

Full coverage for a Tesla Model Y costs $481 a month in Louisiana, $140 more than a Ford F-150 at $341, or $1,680 a year. Vehicle theft is concentrated in New Orleans and Baton Rouge, raising comprehensive claims on high-value cars. EV repairs also cost more, since batteries and specialized parts are pricier to replace. Meanwhile, hybrid cars like a Toyota Prius at $371 don't increase costs as much. For rates on other models, see insurance costs by vehicle.

Where you live and what you drive cause the two biggest rate changes in Louisiana. New Orleans costs $197 more a month than Bossier City, and a Tesla Model Y costs $140 more than a Ford F-150. Four other factors also affect your rate.

To compare rates in Louisiana, get quotes from a few insurers at the same coverage level, since prices for identical drivers can vary by more than $100 a month. Cheapest car insurance in Louisiana ranks insurers by price, and best car insurance companies in Louisiana ranks them by overall quality.

We used this profile to determine 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

Sections on cost by age and driving record use rates for those driver profiles, with all other factors held constant.

Minimum coverage is a state's minimum liability coverage. Full coverage is a policy with 100/300/100 liability limits and a $1,000 deductible for comprehensive and collision coverage.