Louisiana Car Insurance Calculators: Cost & Coverage

• MoneyGeek sources rate data from Quadrant Information Services, which collects actual insurer filings submitted to the Louisiana Department of Insurance monthly. These are the rates insurers charge, not estimates.
• ZIP code rates are updated monthly to reflect current filings across every residential ZIP code in Louisiana.
• Mark Fitzpatrick, a Licensed Property and Casualty Insurance Producer, wrote this page. Mark Friedlander, Senior Director of Media Relations at the Insurance Information Institute, reviewed it.
• MoneyGeek's editorial standards prohibit advertisers from influencing rate comparisons or company recommendations on this page.

Louisiana's carrier range runs $399 per month, from GEICO at $158 per month to Allstate at $557 per month for the same driver and policy. That $399 monthly difference is 2.8 times the $142 you'd save by dropping to minimum coverage. A driver who switches from Allstate to GEICO while keeping full coverage saves more than twice what a driver saves by dropping coverage entirely.

That ranking reverses after a DUI. GEICO rises from $158 per month to $335 per month, while State Farm goes from $207 per month for clean-record drivers to $217 per month post-DUI, making it the cheapest option after the violation. Safeway, a regional carrier that operates through independent agents and isn't listed on national comparison platforms, charges $169 per month and prices some situations more competitively than either. Get at least three quotes and include Safeway alongside GEICO and State Farm before you buy or renew.

Louisiana's statewide ZIP rate range runs up to $153 per month, and 70% of that gap exists within New Orleans alone. The most expensive ZIP code in the state, 70117 in the Bywater and Marigny neighborhoods, averages $223 per month for minimum coverage, while the cheapest ZIP codes in rural northwest Louisiana average $70 per month. Two documented risks push New Orleans rates above the rest of the state: vehicle theft surged 107% in 2023, with 5,291 vehicles reported stolen through September of that year alone, per the Metropolitan Crime Commission, and Louisiana has recorded more major hurricane landfalls than any other state in recent decades. Hurricanes Delta and Zeta alone generated $1.5 billion in insured auto claims in October 2020, according to the Louisiana Department of Insurance.

Theft and hurricane risk are higher in certain New Orleans neighborhoods than in others, so two drivers on opposite sides of the city pay very different rates. A driver in ZIP 70117 who moves to ZIP 70124 in Lakeview, still within New Orleans, saves $107 per month without crossing a parish line. If you've moved recently and haven't updated your garaging address, you may still be paying for a ZIP you no longer live in.

Louisiana's largest single-year rate drop happens at 19, not 25. The rate falls from $1,047 per month at 18 to $755 per month at 19, a $292 reduction per month. The 19th birthday delivers $3,504 in savings per year, nearly four times what the 25th birthday delivers at $912 per year. At 19, Safeway at $320 per month is the cheapest option for young Louisiana drivers, $64 per month below GEICO for the same profile.

Those drops don't apply automatically. Getting new quotes is what captures them. For seniors, Louisiana's 2025 legal reforms prohibit insurers from raising rates solely because a driver turns 65, preventing that birthday from triggering an automatic rate increase. Louisiana rates reach a low point at age 50 and hold steady through the mid-60s before rising modestly after 70. Get new quotes at every birthday between 16 and 25, and at each renewal after 65.

In Louisiana, moving from good to excellent credit saves $136 per month, more than dropping from full to minimum coverage. Excellent-credit drivers pay $111 per month for full coverage, while good-credit drivers pay $247 per month. Poor-credit drivers pay $335 per month, with a $224 range between best and worst.

Safeway is the only carrier in Louisiana that charges the same rate at every credit level, $140 per month, regardless of where your score falls. Every other carrier prices credit differently, so the cheapest option changes depending on where your score lands. A poor-credit driver at State Farm ($500 per month) who improves to excellent should move to GEICO ($74 per month), saving $426 per month. Credit improvements don't apply automatically at renewal, so get new quotes after any credit change.

Your driving record raises Louisiana rates from the first incident. A speeding ticket adds an average of $516 per year, an at-fault accident adds $960 per year and a DUI adds $1,128 per year. The carrier you're with when a violation hits determines how much more you pay.

GEICO is the cheapest clean-record insurer at $158 per month, but after a DUI it rises to $335 per month. State Farm becomes the cheapest post-DUI option at $217 per month. A driver who gets a DUI and stays with GEICO pays $118 per month more than one who gets new quotes and moves to State Farm. For standard violations, Louisiana's OMV driving record clears at three years and most carriers stop surcharging at the same point. For a DUI, the SR-22 requirement ends at three years, but the DWI stays on your Louisiana OMV record for 10 years and remains visible to insurers for the same period. Get new quotes at month 36, then again at year 10 when the DWI clears.

Dropping from full to minimum coverage saves $142 per month in Louisiana, from $247 per month to $105 per month. Louisiana's minimum is 15/30/25, capping bodily injury at $15,000 per person. Louisiana is an at-fault state with the second-highest auto claim litigation rate in the country, so a judgment above that limit becomes personal debt.

If your car is financed or leased, your lender requires full coverage regardless of what Louisiana law allows. If it's paid off, the decision comes down to whether $142 per month is worth the added protection given your assets and your vehicle's current value.

Your car's make and model affect your Louisiana rate by determining how much comprehensive and collision coverage costs relative to your car's value. Louisiana's vehicle theft record makes that calculation more consequential than in most states. A driver who drops comprehensive coverage based solely on the car's age may be underestimating the actual risk for those models.

On a $10,000 vehicle with a $1,000 deductible, the maximum payout on a total loss is $9,000. As your car's value drops, that math changes. Get your car's current market value from Kelley Blue Book or NADA, subtract your deductible and compare that figure to your annual premium to decide whether keeping both coverages still makes sense.

Bodily injury liability pays the medical bills, lost wages and legal costs of people you injure when you're at fault in a crash. Louisiana requires a minimum of $15,000 per person and $30,000 per accident. In Louisiana, where injury claims are taken to court at twice the national rate and at-fault judgments reach personal assets directly, the $15,000 per-person minimum is regularly exceeded by a serious injury. Most financial professionals recommend 100/300 limits for Louisiana drivers with assets to protect.

Property damage liability pays for damage you cause to other vehicles and property when you're at fault. Louisiana's minimum is $25,000 per accident. New vehicle prices in Louisiana regularly exceed that threshold, meaning a single at-fault crash involving a newer car can push costs above the minimum limit. The recommendation shows a higher limit if your asset profile warrants it.

Uninsured and underinsured motorist coverage pays your medical bills and repair costs when the driver who hit you has no insurance or not enough to cover the damage. Louisiana law requires this coverage on every auto policy by default. You can only remove it by signing a written waiver in a specific format. Louisiana also allows you to multiply your uninsured motorist limits across multiple vehicles on the same policy, a right that disappears if you sign the waiver. If an uninsured driver hits you and you have no uninsured motorist coverage, your only recourse is a lawsuit against a driver who may have no assets to collect.

Collision coverage pays for damage to your own car from a crash, regardless of who caused it. Comprehensive coverage pays for damage from theft, fire, flooding, hurricane damage and other non-collision events. Louisiana's hurricane and flood damage risk affects the Gulf Coast and surrounding parishes, and vehicle theft in New Orleans surged 107% in 2023. If your car is financed or leased, your lender requires both until the loan is paid off. If it's paid off, the decision depends on the comparison between your annual premium and your vehicle's current value, described in Factor 7.

Gap insurance pays the difference between what your car is worth and what you still owe on the loan if it's totaled. In the first two to three years of a loan, your car loses value faster than your loan balance drops. Gap insurance covers that shortfall. It appears in your recommendation if your vehicle is recently financed or if your loan balance is likely to exceed your car's current market value. If your loan balance is close to your car's market value, it may not appear because the financial gap is minimal.

An SR-22 is not a type of insurance. It's a certificate your insurance company files electronically with the Louisiana Office of Motor Vehicles confirming you carry active coverage that meets state minimums. Louisiana requires an SR-22 after a DUI conviction, driving without insurance or certain license suspensions. The requirement lasts three years from the triggering event. If your coverage lapses for even one day during that period, your insurer must notify the OMV immediately and your license is suspended. Once your three-year period ends, contact the OMV to confirm completion before removing the filing from your policy.

Medical payments coverage pays your medical bills and those of your passengers after a crash, regardless of fault, up to your policy's dollar limit. Louisiana does not require personal injury protection. MedPay is the available option for covering your own medical costs after an accident regardless of who caused it. It pays before your health insurance applies, which is useful if you have a high deductible or no health insurance.

1. Get a Safeway Insurance quote before you decide. Safeway prices Louisiana at $169 per month for full coverage for a clean-record adult and is the cheapest option for young drivers at $320 per month. Safeway operates only through local independent agents. Find one in your area and get a quote alongside GEICO and State Farm before you buy or renew. Compare confirmed rates at MoneyGeek's cheapest car insurance in Louisiana guide.
2. Get new quotes on the 19th birthday, not the 25th. The 18-to-19 rate drop is $3,504 per year. The 24-to-25 drop is $912 per year. Set a reminder for the 19th birthday and get at least three quotes that week, including Safeway.
3. Get new quotes the month your credit score improves, and target excellent, not just good. The gap between the good and excellent credit levels is $1,632 per year, nearly equal to the annual savings from dropping full coverage. Your insurer won't apply the improvement automatically at renewal. The month your score moves into the excellent range, pull quotes from at least three carriers. Check carrier rates by credit level at MoneyGeek's best car insurance in Louisiana guide.
4. Mark the date your violation clears and get new quotes that day. Louisiana's standard violation record window is three years. Your SR-22 requirement, if you have one, also ends at three years. At month 36, get new quotes immediately. After a DUI, get new quotes right away since State Farm prices a DUI at just $10 above its clean rate, the smallest surcharge in Louisiana.

All rate data comes from Quadrant Information Services, which collects premium filings submitted by insurers to Louisiana state regulators. We pull rates from every residential ZIP code in Louisiana and update the data monthly. Every rate on this page reflects a baseline profile of a 40-year-old driver with good credit, a clean record and a 2012 Toyota Camry LE. Full coverage means 100/300/100 liability limits with a $1,000 deductible on both comprehensive and collision. Minimum coverage reflects Louisiana's 15/30/25 requirement. When rates vary by age, violation or credit profile, we adjust one variable and hold the rest constant. Your actual rate depends on your own combination of age, ZIP code, vehicle, driving history and credit.

The Louisiana coverage calculator was developed with Mark Friedlander, Director of Corporate Communications at the Insurance Information Institute, and Mark Fitzpatrick, a Licensed Property and Casualty Insurance Producer. It factors in your vehicle, financing status, asset level, driving habits and household profile to give you a recommendation built around your situation. For a full explanation of how MoneyGeek collects and analyzes insurance data, see our auto insurance methodology.