Average Car Insurance Cost in Louisiana (2025)
Drivers in Louisiana pay an average of $159 per month for car insurance.
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Car insurance rates in Louisiana have steadily increased in the past few years. Louisiana drivers pay an average rate of $114 per month for minimum coverage and $204 per month for full coverage. Meanwhile, the average cost of car insurance nationwide is $103 for state-minimum coverage and $182 for full coverage.
Insurance rates are high in Louisiana for a few reasons. Louisianans are twice as likely to file injury claims in an accident, and with such low minimum-coverage requirements, it’s not enough to cover injury in about one-third of cases. As a result, Louisiana residents are three times as likely to go to court. All these factors drive up the cost of car insurance for everyone.1
Here’s what you need to know about finding affordable coverage in Louisiana.
How much is car insurance in Louisiana?
The average rate for liability coverage in Louisiana is $114 per month. A full-coverage policy costs more, at $204 per month.
That translates into an average annual cost in Louisiana of $1,362 for minimum coverage and $2,444 for full coverage.
How Louisiana car insurance rates have changed over the past two years
The average price for full-coverage car insurance in Louisiana rose to $2,900 in 2024, up significantly over rates from just a few years ago. Full-coverage rates also rose nationally, though they remain cheaper than in Louisiana.
See how Louisiana car insurance prices have changed over the past two years below.
Average Louisiana car insurance rates by city
Where you live, even down to the ZIP code, affects your car insurance rates. In general, insurance companies charge more in cities than in more remote areas. Cities with higher populations have a higher likelihood of accidents, vandalism, and vehicle theft. Theft and vandalism cause more property damage claims, and accidents cause property damage liability claims.2
Car insurance in New Orleans is going to be more expensive than in more rural areas of Louisiana. Here’s how rates compare by city.
Average Louisiana car insurance rates by age and gender
Insurance companies can take your age and gender into account when setting rates. Men typically pay higher rates for insurance because they’re more likely to cause injury or damage in an accident. In Louisiana, women caused 87 fatal crashes in 2024, for example, compared to 364 for men.
Drivers younger than 25 typically pay high rates because of a lack of experience and risky driving behavior. Young drivers — specifically 18-year-old drivers — had the highest serious crash rate of any age group, while 20-year-old drivers caused more fatal crashes.3
Average rates decrease as you age and gain more experience on the road. The table below illustrates how your age and gender affect your rates in Louisiana.
Average cost to insure popular vehicles in Louisiana
Different types of cars provide varying levels of protection for the driver and passengers. They also have different repair costs, theft risks, and more.
These factors mean the make and model of your car is an important factor when it comes to your insurance costs. Louisiana is dominated by the oil and gas industry, so it’s no surprise that pickup trucks are some of the most popular vehicles in the state.
The table below shows how rates fluctuate based on the car you drive.
How your driving record affects car insurance rates in Louisiana
Your driving record provides a big clue for insurance companies. If you have an incident on your record, your insurance company is more likely to have to pay out claims, which affects your rates. You’ll get the cheapest car insurance in Louisiana if you have a clean record. Your rates will increase if you get a speeding ticket, and even more so if you cause an accident.
Louisiana drivers with a DUI on their record also pay much higher average rates since they’re more likely to cause severe bodily injury or death as opposed to mere property damage. For example, in 2024, Louisiana drunk drivers caused 26% of all fatal car accidents in the state.4
Drivers with a clean record pay an average of $159 per month for car insurance. The table below shows how different levels of driving infractions affect average insurance rates in Louisiana.
Insurance companies use your credit history to make a credit-based insurance score. They see your credit history as a predictor of whether you’ll submit a claim. While some states don’t allow insurers to check your credit, Louisiana does.
Drivers with excellent credit typically pay the lowest rates, while drivers with poor credit have higher rates. One way to save on your premiums is to prioritize keeping your credit healthy.
The table below shows how your credit history affects your rates in Louisiana.
How to lower your insurance costs in Louisiana
You’ll need to make many decisions when it comes to buying coverage for your car, and that can be overwhelming. But the good news is you have a lot of ways to save:5
Louisiana average car insurance cost FAQs
Here’s the most important information you need to know about buying car insurance in Louisiana.
The average annual cost of Louisiana minimum car insurance coverage is $1,362, and full coverage costs $2,444 per year.
State Farm offers the cheapest car insurance in Louisiana. State Farm charges an average rate of $69 for state-minimum liability coverage and $105 for full coverage.
Louisiana drivers pay an average rate of $114 per month for liability-only coverage and $204 per month for full-coverage car insurance.
Shelter, Farmers, and State Farm rank as the best insurance companies in Louisiana for customer satisfaction, according to a 2024 J.D. Power survey.6
State law requires drivers to carry a 15/30/25 liability insurance policy. If you get in an accident, this type of minimum-coverage policy pays out $15,000 toward bodily injuries per person (up to $30,000 per accident) and $25,000 in property damage liability costs.7
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