Louisiana Car Insurance Calculator: Cost & Coverage

Louisiana Cost Factors That Impact Your Calculator Estimate

Louisiana full coverage averages $236/month, the second highest of any state and 90% above the national average of $124. Your calculator estimate will land above or below that depending on seven factors. For each one we explain what moves your rate and what you can do about it.

No state has a bigger price gap between carriers than Louisiana. GEICO charges $158/month for full coverage. Allstate charges $557/month for the exact same driver and policy. That's a $399/month or $4,788/year difference for identical coverage.
- GEICO is the cheapest full coverage option at $158/month and cheapest minimum coverage at $55/month.
- Safeway, a nonstandard specialty insurer, comes in at $169/month for full coverage and wins most violation and bad credit categories.
- State Farm is third at $207/month but wins the DUI category at $217/month.
Get at least three quotes before you buy or renew. Include Safeway alongside national carriers since its pricing structure differs from every other Louisiana carrier and frequently undercuts GEICO for non-clean-record drivers. See our cheapest car insurance in Louisiana guide for rates by carrier and driver profile.
Louisiana's legal minimum is 15/30/25 at $108/month on average. Adding collision and comprehensive at a $1,000 deductible brings that to $128/month, just $20 more. Full coverage at 100/300/100 runs $248/month. The difference from minimum to the highest coverage tier at 300/500/300 is $183/month. Comprehensive coverage in Louisiana is the second highest in the country due to weather and theft risk.

Louisiana's 15/30/25 minimum is one of the lowest liability thresholds in the country. While you can save up to $2,196 annually by choosing the lowest coverage, it won't protect your assets. Use the Louisiana coverage calculator on this page to see how much you need.
Louisiana lets insurers use your credit score to set your rate. Drivers with good credit pay $231/month for full coverage. Drivers with poor credit pay $312/month. That's an $81/month or $972/year difference for the same coverage.

Louisiana has one unique quirk worth knowing: Safeway's bad-credit rate of $158/month is actually the same as GEICO's clean-record full coverage rate of $158. If your credit is below average, Safeway is the first quote to get, not the last. Over time, paying down balances and keeping credit utilization low will lower your rate at renewal.
Violations in add $37 to $133/month to Louisiana full coverage rates depending on severity. A speeding ticket adds $37/month ($454/year). An at-fault accident adds $73/month ($876/year). A DUI adds $133/month ($1,149/year) and requires an SR-22 filing for three years.

The insurer violation penalty varies widely in Louisiana. GEICO penalizes DUI drivers heavily, jumping to $335/month. State Farm is cheapest after a DUI at $217/month. Safeway is cheapest after a speeding ticket at $173/month and after an at-fault accident at $206/month.

Re-shop immediately after a violation since insurer rates shift when it hits your Louisiana driving record. Also note when your violation turns three years old. Louisiana carriers won't lower your rate automatically, so re-shopping at that point produces the largest rate drop most drivers find without changing their coverage.
The same carrier, the same policy and the same driver profile produce a $197/month rate difference between New Orleans and Bossier City. New Orleans sits at $379/month for full coverage with the state average provider. Bossier City comes in at $182/month, a $2,364 annual gap based entirely on location.

New Orleans carries high uninsured driver rates, extreme traffic density, high litigation rates from Louisiana's direct-action lawsuit environment, and hurricane flood damage risk. If you live in New Orleans, comparing at least three carriers at your specific ZIP code matters more than anywhere else in Louisiana given the wide rate variance within the city.
Teen drivers in Louisiana have the highest rates. Adding a 16-year-old to a family policy costs $614/month for girls and $642/month for boys, with Farm Bureau the cheapest option at that age. A 16-year-old male saves $3,593/year by staying on a family policy rather than buying individual coverage. Safeway takes over as cheapest from age 19 through 24.

For seniors, GEICO is cheapest at $153/month, actually $5 below its standard adult rate, an unusual outcome in a high-cost state. Rates start rising again after 65. Re-shop at every renewal after 65 since Louisiana's high baseline means even small rate increases add up quickly.
Full coverage in Louisiana ranges from $341/month for a Ford F-150 to $481/month for a Tesla Model Y, a $140/month or $1,680/year difference. Electric vehicles cost more to insure because parts and repairs run higher than on conventional vehicles. A Honda Civic costs $354/month, just $13 more than the F-150.

If you're considering an EV, the Tesla Model 3 at $428/month costs $74/month more than a Honda Civic for the same coverage. Check insurance costs on your next vehicle before you buy, not after. In Louisiana, the difference between a conventional sedan and an EV is large enough to change your total monthly ownership cost.

Louisiana Car Insurance Coverage Calculator

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Your Louisiana Coverage Calculator Results

Louisiana requires 15/30/25 minimum coverage to drive legally, one of the lowest limits in the country. Your recommendation is based on what you told the calculator about your vehicle, your assets and how you bought it. Three things specific to Louisiana mean most drivers need more than the state minimum.

Most Louisiana drivers need higher liability limits. Louisiana is a fault-based state, meaning if you cause an accident and damages exceed your policy limit, the difference comes out of your own pocket. The $15,000 per-person bodily injury limit can be gone after a single hospital visit, and lawsuits settle higher here than in most states. The $25,000 property damage limit won't cover most new vehicles, which average over $48,000. If you have assets to protect, the calculator will recommend between 50/100/50 and 250/500/250 depending on what you own. Assets above $500,000 may include an umbrella policy, which adds $1 million or more in coverage for about $150 to $300 per year.
Your vehicle determines whether you need full coverage. If your car is financed or leased, your lender requires collision and comprehensive. If it's paid off, the calculator weighed your car's value against the annual premium and Louisiana's hurricane and flood risk. If your car is worth under $5,000, liability only may have been suggested. Dropping comprehensive in Louisiana is riskier than in most states given frequent weather damage and high theft rates, especially around New Orleans. Our when to drop full coverage guide helps you run the numbers.
Keep uninsured motorist coverage in Louisiana. 11.7% of Louisiana drivers carry no insurance, according to the Insurance Information Institute, roughly one in nine cars on the road. If one hits you, this coverage pays your bills. Louisiana also allows UM stacking across two vehicles. Dropping it requires a signed written waiver. For most Louisiana drivers, keeping it is the right call.

Below are other coverages that may appear in your results:

Louisiana Calculator Summary & Next Step

Our Louisiana calculator gives you personalized rate estimates and coverage need recommendations. Here is what you need to do next to buy the right coverage at the best price:

Use your coverage recommendation, not Louisiana's minimum. Enter those exact limits into every quote you request. Louisiana's 15/30/25 leaves most drivers personally exposed after a serious accident, and comparing quotes at different coverage levels makes it impossible to find your true best rate.
Get at least three quotes and include Safeway Insurance. GEICO starts at $158/month for full coverage and Allstate charges $557 for the same policy. Three quotes take under 15 minutes and savings can top $4,000 per year. If you have a recent ticket, accident or below-average credit, get a Safeway quote first since it prices those profiles more leniently than any other Louisiana carrier.
If you live in New Orleans or Baton Rouge, compare more carefully. New Orleans averages $379/month for full coverage, more than double Bossier City at $182/month. Farm Bureau wins most Louisiana cities on price. Get a Farm Bureau quote alongside GEICO and Safeway before you decide.
Mark when your next violation expires or credit improves. Louisiana insurers won't lower your rate automatically when a violation turns three years old or when your credit score improves. Set a calendar reminder and re-shop on that date since that's when you'll see the biggest rate drop without changing your coverage.

Louisiana Car Insurance Estimate: FAQ

Do you need car insurance in Louisiana?

Yes. Louisiana requires all drivers to have at least 15/30/25 in liability coverage: $15,000 per person for bodily injury, $30,000 per accident and $25,000 for property damage. You must keep proof of insurance in your vehicle at all times and show it during a traffic stop, after an accident or when registering your vehicle, according to the Louisiana Department of Insurance.

What is the penalty for driving without insurance in Louisiana?

A first offense brings a fine of $500 to $1,000, a suspended registration and possible vehicle impoundment, according to the Louisiana Department of Insurance. A second offense within five years doubles the fines.

Does Louisiana require an SR-22 or FR-44?

Louisiana uses an SR-22 filing, usually required after DUI convictions, driving without insurance, or accumulating excessive points. The SR-22 mandates minimum liability coverage of $15,000 per person for bodily injury, $30,000 per accident and $25,000 for property damage, with administrative fees of $15 to $50 annually. If your SR-22 lapses, your insurer immediately notifies the state and your license is suspended until you secure compliant coverage. Most drivers must maintain SR-22 status for three years. Learn more about high-risk car insurance options.

Our Louisiana Car Insurance Estimate Methodology

About Mark Fitzpatrick

Mark Fitzpatrick, a Licensed Property and Casualty (P&C) Insurance Producer in Connecticut, is MoneyGeek's resident insurance expert. He has spent nearly a decade analyzing the market, first at LendingTree and now at MoneyGeek, where he has produced original research on hundreds of carriers and millions of rates across auto, home, renters, health and life insurance.

He covers economics and insurance at MoneyGeek, and his work has been featured in The Washington Post, The New York Times and NPR, among other outlets.

Like all MoneyGeek analysts, he draws on independent cost and consumer experience data, and no insurance company partnership influences his recommendations.

Fitzpatrick earned his degrees from Johns Hopkins University (M.A. Economics and International Relations) and Boston College (B.A.). He began his career in financial risk management at State Street. He's also a five-time Jeopardy champion!

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Sources

Insurance Information Institute. "Facts + Statistics: Uninsured Motorists." Accessed May 14, 2026.
Louisiana Department of Insurance. "Auto Insurance Requirements.." Accessed May 13, 2026.

Louisiana Car Insurance Calculator

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