Louisiana Car Insurance Calculator
Calculate your auto insurance cost in Louisiana. Compare with state averages and find savings.
$2,839
Avg Annual Premium
15/30/25
Min Liability
Monthly Avg
$237
Full Coverage
$3,567
Min Coverage
$867
Uninsured Rate
11.7%
Louisiana Car Insurance Requirements
Minimum Liability Coverage
Bodily Injury (per person)$15,000
Bodily Injury (per accident)$30,000
Property Damage$25,000
Additional Requirements
PIP RequiredNo
Uninsured MotoristOptional
Med Pay RequiredNo
Factors Affecting Car Insurance Rates in Louisiana
High litigation ratesHurricane riskHigh claim frequency
Major Metro Areas in Louisiana
New OrleansBaton RougeShreveportLafayetteLake Charles
FAQ
Louisiana Car Insurance FAQ
Everything you need to know about car insurance rates, requirements, and savings in Louisiana
The average annual car insurance premium in Louisiana is $2,839, or about $237 per month. Full coverage averages $3,567 annually, while minimum coverage averages $867. Your actual rate depends on your age, driving record, vehicle, and coverage level.
Louisiana requires minimum liability coverage of 15/30/25 ($15,000/$30,000 for bodily injury and $25,000 for property damage).
Key factors affecting Louisiana car insurance rates include: High litigation rates, Hurricane risk, High claim frequency. Additionally, your age, driving history, credit score, vehicle type, annual mileage, and coverage level all impact your premium.
Approximately 11.7% of drivers in Louisiana are uninsured. This is relatively low compared to some states. Uninsured motorist coverage protects you if you're hit by an uninsured driver.
To lower your Louisiana car insurance: 1) Compare quotes from multiple insurers like State Farm, GEICO, Progressive. 2) Increase your deductible. 3) Bundle with home insurance. 4) Take a defensive driving course. 5) Maintain a clean driving record. 6) Ask about discounts for low mileage, good students, or safe driving apps.
The top car insurance companies in Louisiana include: State Farm, GEICO, Progressive, Allstate, Louisiana Farm Bureau. Each company offers different rates and discounts, so it's best to compare quotes from multiple insurers to find the best rate for your situation.
LA Insurance Costs
Average premiums in Louisiana:
- Annual Average$2,839
- Monthly Average$237
- Full Coverage$3,567
- Minimum Coverage$867
LA Requirements
Minimum coverage required:
- Liability15/30/25
- PIP RequiredNo
- UM RequiredNo
- Uninsured Rate11.7%
Top LA Insurers
Popular insurance companies:
- •State Farm
- •GEICO
- •Progressive
- •Allstate
- •Louisiana Farm Bureau