Cheapest Auto Insurance in Louisiana (2025)

Drivers in the Pelican State pay about $204 per month for full-coverage car insurance and $114 for liability-only coverage.

Louisiana has some of the most expensive car insurance costs in the country. The state’s risk of damage from extreme weather contributes to its higher insurance costs. Weather-related disasters cost the state between $1 billion and $2 billion in 2024, according to data from the National Centers for Environmental Information.

Here’s what you should know about finding car insurance in Louisiana.

3 of the cheapest car insurance companies in Louisiana

State Farm has the cheapest rates for Louisiana drivers. But this doesn’t mean it’s the best car insurance company for you. Your auto insurance cost may be higher or lower depending on various factors, such as the type of car you drive, your age, and your credit history.

See average monthly premiums from three of the cheapest companies below.

State Farm

USAA

Allstate

How to get the cheapest car insurance in Louisiana

Getting cheap car insurance in Louisiana can be tricky, considering the average premium is nearly 50% higher than the national average, but it’s possible. When setting rates, insurance companies evaluate your driving record, coverage needs, age, ZIP code, vehicle type, and other factors.

The Louisiana Department of Insurance suggests these tips to help you find a policy that fits your budget:

• Shop around. Get multiple insurance quotes to find the best deal.

• Raise your deductible. Choosing a higher deductible can lower your premium.

• Apply for discounts. Save money with discounts, such as discounts for good students or safe drivers.

• Bundle benefits. Bundle your car insurance with other policies, like home or renters insurance, for potential savings.

• Drive safely. Maintain a clean driving record to get the cheapest rates.

Cheapest liability-only car insurance quotes in Louisiana: State Farm

Liability-only car insurance covers damages or injuries you cause to others in a car accident but doesn’t cover your vehicle repairs or medical costs. While it fulfills the legal requirements for minimum coverage, liability-only coverage may leave you vulnerable to a large financial loss from an at-fault accident.

The average monthly cost of liability insurance in Louisiana is $114. Here are the average liability insurance quotes from several of the cheapest car insurance companies in the state.

Cheapest full-coverage car insurance quotes in Louisiana: State Farm

Liability coverage is enough to drive legally, but sometimes you may want more security. Full coverage includes liability-only insurance, as well as collision and comprehensive coverage. It can give you extra security if you drive a newer or pricier car or want more financial protection against accidents, theft, or other damage.

On average, drivers in Louisiana pay $204 per month for full-coverage insurance. The table below shows the cheapest average full-coverage insurance quotes from companies in Louisiana.

Car insurance requirements in Louisiana

Louisiana is a pure comparative fault state.1 This means you can collect financial compensation even if you were partly responsible for a car accident. The law helps ensure you have coverage if you make a mistake behind the wheel. But drivers usually have a one-year time limit on filing a lawsuit after an accident.

“Insurers pay up to twice the amount in claim payments for bodily injury claims and property damage claims in Louisiana than they do in most of the rest of the country,” says John Parker Ford, deputy commissioner of public affairs for the Louisiana Department of Insurance.

Below are Louisiana’s minimum liability car insurance requirements:

Though Louisiana doesn’t require these coverages, they can offer extra protection for you and your vehicle.

Average cost of car insurance by age

Car insurance rates follow a pattern as people get older. Teen drivers pay the most for car insurance.

“Because teens have the least amount of driving experience and the highest rate of accidents of any demographic, they pay the highest average rates across the U.S.,” says Mark Friedlander, corporate communications director at the Insurance Information Institute.

After age 25, rates usually drop as drivers gain experience and become more responsible. But around age 70, premiums start to increase slightly for senior drivers due to an increased risk of accidents.

In the table below, you can see how much Louisiana drivers in different age groups pay for car insurance coverage.

Cheapest car insurance in Louisiana by driving record

An incident is an at-fault accident, a speeding ticket, a DUI/DWI, or another moving violation that can negatively affect your driving record and car insurance rates.

“At-fault accidents and violations are used in premium calculations because they are predictive of a driver’s risk level,” Ford says. A speeding ticket can raise rates more than $500 [per year] for liability insurance, while a DUI can add nearly $900 to your premiums.

“Each insurer treats incidents differently, but the overall frequency of incidents can raise premiums in a geographic area,” says Ford. “For example, cities with higher instances of auto theft would likely see higher premiums for comprehensive coverage relative to cities with lower instances of auto theft.”

How car insurance rates have changed in Louisiana

Full-coverage car insurance in Louisiana rose to an average of $2,900 per year in 2024 — just a 1% increase from 2023, an Insurify report found. Louisiana’s car insurance rates are higher than nationwide average rates.

In the chart below, you can see how car insurance rates have changed in Louisiana over the past two years.

Louisiana car insurance FAQs