Home Car insurance Average car insurance cost Car insurance rates by state Average car insurance cost in Louisiana Average car insurance cost in Louisiana A full-coverage car insurance policy in Louisiana costs an average of $4,180 a year or $348 per month. View Carriers Please enter valid zip Compare top carriers in your area Written by Shivani Gite Shivani Gite Shivani Gite is a personal finance and insurance writer with a degree in journalism and mass communication. She is passionate about making insurance topics easy to understand for people and helping them make better financial decisions. | Reviewed by Nupur Gambhir Nupur Gambhir Nupur Gambhir is an insurance expert and managing editor of Insure.com. She specializes in life and health insurance content, and has experience as a marketing consultant. | Updated on: December 18, 2025 Why you can trust Insure.com At Insure.com, we are committed to providing the timely, accurate and expert information consumers need to make smart insurance decisions. All our content is written and reviewed by industry professionals and insurance experts. Our team carefully vets our rate data to ensure we only provide reliable and up-to-date insurance pricing. We follow the highest editorial standards. Our content is based solely on objective research and data gathering. We maintain strict editorial independence to ensure unbiased coverage of the insurance industry. 25 Years of insurance experience 78.5M Quotes reviewed 170 Insurance providers evaluated 34.5K ZIP codes analyzed If you’re in Louisiana, your monthly cost for full coverage car insurance is $348, which adds up to $4,180 per year. For minimum coverage, expect to pay an average of $83 monthly, or $993 a year.Insurance companies calculate your premiums based partly on where you live. They consider factors such as traffic and accident rates, the number of car thefts in your area, and how expensive it is to repair your vehicle. If you live in a busy city with heavy traffic and high theft rates, you’ll likely pay more for car insurance than someone in a rural area with fewer cars on the road and lower accident risks.Other than location, your age, driving history, credit score and ZIP code also influence your insurance rates. Average annual cost $4,180 Average per month cost $348 Average cost for state minimum coverage $1,664 / Year Cheapest car insurance company Southern Farm Bureau($2,223 / Year) Average cost for young drivers $7,042 / Year Average cost for Senior drivers $3,862 / Year Average car insurance cost in LouisianaDrivers in Louisiana generally pay an average of $348 per month or $4,180 per year for full coverage car insurance. However, if you go with the state’s minimum coverage, your monthly premium could be as low as $83 or $993 per year. Just keep in mind that opting for minimum coverage means significantly less protection if you’re in an accident.Your exact car insurance costs may vary, as insurers consider multiple factors including your age, driving experience, credit score, where you live and what kind of car you drive.Cheapest car insurance companies in LouisianaIf you’re looking for affordable insurance, Southern Farm Bureau tops the list of the cheapest car insurance companies. Its average annual cost is $2,223 per year or $185 monthly for a policy with limits of 100/300/100 and $500 collision and comprehensive deductibles.GEICO also provides affordable insurance rates in Louisiana for a full coverage policy at an average annual insurance cost of $3,347 or $279 monthly.While these companies offer some of the lowest average premiums in Louisiana, your actual rate will depend on factors unique to you. Comparing multiple quotes is the best way to find coverage that fits both your budget and needs. Affordable car insurance providers in Louisiana Graph Table Company nameAverage per month costAverage annual costSouthern Farm Bureau$185$2,223GEICO$279$3,347Progressive$352$4,218Farmers$386$4,627Safeway Insurance$390$4,679State Farm$397$4,761Auto Club Enterprises (AAA)$404$4,853Louisiana Farm Bureau$431$5,169Allstate$810$9,726USAA*$225$2,696*USAA is only available to military community members and their families.Powered by: Louisiana car insurance calculator Tell us about your car to get an estimate. 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Please select a different vehicle. Matching results for your vehicle Add another vehicle Add a vehicle to Compare!!! Acura Integra Louisiana Vehicle details Vehicle year 2024 Style 2WD 4 Door Hatchback Automatic Turbo State Louisiana Cylinders 4 Make & model Acura - Integra Vehicle type Luxury Car Your estimated rate State MinimumNA* Liability coverage$1,897/year Full Coverage$3,950/yearRecommended Get quotes Get quotes Let's start saving! To save more, tell us about yourself: What is Your Zip Code? What is Your Age? 16 - 20 21 - 24 25 - 34 35 - 44 45 - 54 55 - 64 65+ SEE IF YOU QUALIFY FOR MAJOR DISCOUNTS: I am a homeowner I am currently insured I am a good driver A good driver means: Have no accidents or violations in the last 3 years. Don't have a DUI. Don't need an SR22. Number of vehicles - + Note: It is recommended that you should get full coverage car insurance for vehicles 2020 or newer. Methodology Insure.com commissioned Quadrant Information Services to calculate average auto insurance rates for vehicles from 2006 to 2023. Our hypothetical driver is a 40-year-old male who commutes 12 miles to work each day, with policy limits of 100/300/50 ($100,000 for injury liability for one person, $300,000 for all injuries and $50,000 for property damage in an accident) and a $500 deductible on collision and comprehensive coverage. Rates for vehicles up until 2021 includes uninsured motorist coverage (since some states require it, we do it for all) and PIP or Medical Payments, if it is required by state law. This hypothetical driver has a clean record and good credit. For liability 100/300 is rates the same hypothetical driver but with liability limits of 100/300/50, uninsured/underinsured motorist in matching amounts and PIP or MedPay, if required by state. We recommend limits this high, even if you have only liability coverage. A state-minimum policy includes only the basic state liability limits and any other state-required coverages, such as uninsured motorist or PIP. Averages were calculated using data from six large carriers, such as Allstate, Farmers, GEICO, Nationwide, Progressive and State Farm. Rates were averaged across multiple ZIP codes and insurance companies. Average rates are for comparative purposes; your rate will depend on your personal factors. Data last refreshed in 2025Powered by:Average cost of car insurance by coverage levels in LouisianaThe cost of your car insurance also depends on the coverage levels you choose.If you opt for just the minimum coverage required by your state, you’ll pay $83 per month, or $993 per year. It’s a low-cost option, but keep in mind that it won’t pay for any repairs to your own car if you’re in an accident.For solid protection, full coverage might be the right choice. It includes liability coverage along with collision and comprehensive insurance. Collision coverage covers damage to your vehicle from accidents, irrespective of fault. Comprehensive coverage protects against non-collision events like theft, vandalism or weather events.In Louisiana, the average cost for full coverage is $348 per month, or $4,180 per yearWhile it’s more than what you’d pay for minimum coverage, the added protection can be worth it, especially if your car is of significant value.Coverage limitsAverage annual costState minimum liability-only$993Liability only$1,664Full coverage$4,180Non-owner state minimum liability$419Powered by:Auto insurance premiums vary significantly from city to city, so drivers need to be sure they’re getting the best deal. Insure.com has done the research for you. Get more information on auto insurance rates by city below.Car insurance rates in Louisiana by citySee rates in your cityLafayetteNew OrleansShreveport Our agents make it hassle-free to get the right quote. Call (844) 814-8854 Ethan Available Now Jack Available Now Robbie Available Now Ellie Available Now Average car insurance cost in Louisiana by cityWhere you live in Louisiana can have a big impact on your car insurance rates.If you’re located in cities like New Orleans, Kenner, or Baton Rouge, you may face higher premiums due to dense traffic, higher accident rates, and an increased chance of theft or damage.On the other hand, drivers in cities like Bossier City and Shreveport tend to pay much lower insurance premiums, between $3,345 and $3,705 per year.These cities usually have fewer accidents, lower crime rates and less congestion, which helps keep insurance costs down.CityAverage annual costBossier City$3,345Shreveport$3,705Houma$4,022Monroe$4,195Lafayette$4,245Lake Charles$4,487Alexandria$4,523Baton Rouge$4,916Kenner$4,997New Orleans$6,674Powered by:Average car insurance cost in Louisiana by ageAge is one of the most important factors insurers consider when pricing car insurance. Young drivers usually pay more because insurers see them as higher risk due to their limited experience behind the wheel.Premiums are typically most expensive for teens, begin to decrease after age 25, and then rise again as drivers enter their 70s.Here’s a breakdown of what you might pay for full coverage in Louisiana, based on age and gender.Average car insurance cost in Louisiana for young driversIf you’re a younger driver, expect to pay higher premiums on your car insurance.Insurers consider young drivers risky because of the increased risk that comes with limited driving experience.For instance, a 20-year-old male driver in Louisiana pays an average of $10,037 annually for car insurance, compared to $8,093 for a female driver of the same age.By age 25, car insurance premiums typically decrease to $5,010 per year for male drivers and $4,702 for female drivers. While still slightly above average, it’s a substantial drop from what drivers pay in their early 20s.Age of driverAverage annual cost for Male driversAverage annual cost for Female drivers20$10,037$8,09321$8,463$7,01422$6,914$5,98323$6,608$5,63924$6,065$5,289Powered by:Average car insurance cost in Louisiana for adult driversAn adult driver aged 25-60 in Louisiana pays $4,110 annually for full coverage, or around $342 each month. Women in the same age group pay $4,071 per year or $339 per month.Since rates vary based on driving profile, comparing quotes is the best way to make sure you’re getting the best deal on your coverage.Age of driverAverage annual cost for Male driversAverage annual cost for Female drivers25$5,010$4,70230$4,435$4,41435$4,326$4,29840$4,171$4,19045$4,017$4,04750$3,741$3,74955$3,599$3,60460$3,632$3,637Powered by:Average car insurance cost in Louisiana for senior driversCar insurance premiums tend to rise for older drivers. At age 65, men typically pay $3,877 annually, while women pay $3,858.By 70, average rates go up to $3,864 for men and $3,859 for women. At age 75, costs increase further, reaching $3,856 for men and $3,862 for women each year. Insurers often raise rates for older drivers due to age-related risks like slower response times and declining vision.However, you can still lower your premium by keeping a clean driving record and taking advantage of senior discounts.Age of driverAverage annual cost for Male driversAverage annual cost for Female drivers65$3,877$3,85870$3,864$3,85975$3,856$3,862Powered by:Minimum car insurance requirements in LouisianaWhether you’re purchasing a policy for the first time or relocating to Louisiana, it’s important to understand the state’s liability coverage requirements.Drivers in Louisiana must carry at least the following minimum coverage limits to stay compliant with the law:Bodily injury per person: $15,000Bodily injury per accident: $30,000Property damage liability: $25,000Cheapest cars to insure in LouisianaInsurance premiums vary significantly depending on the type of vehicle you drive. Cars that are more expensive to repair, have higher theft rates, or are statistically involved in more accidents typically cost more to insure. On the other hand, vehicles with excellent safety ratings, affordable repair costs, and fewer claims history tend to have lower insurance premiums.Volkswagen Tiguan has the lowest premium, at an average of $3,187 a year, closely followed by Volkswagen Taos, with an average annual car insurance cost of $3,234.The table below shows the cheapest cars to insure and their average annual rates.Make ModelAverage annual premiumVolkswagen Tiguan$3,187Volkswagen Taos$3,234Subaru Crosstrek$3,246Ford Maverick$3,252Honda CR-V$3,276Hyundai Kona$3,284Mazda CX-5$3,291Chevrolet TrailBlazer$3,319Chevrolet Express$3,336Hyundai Venue$3,348Powered by:Most expensive cars to insure in LouisianaBMW M8 Gran Coupe tops the list as the most expensive car to insure in Louisiana, at an average annual cost of $10,290. Below is a list of the most expensive vehicles to insure in Louisiana and their average annual premiums.Make ModelAverage annual premiumBMW M8 Gran Coupe$10,290Maserati Quattroporte$10,069BMW i7$9,733Porsche 911 Turbo$9,667BMW M8$9,647Audi S8$9,387Audi e-tron GT$8,891Audi RS7$8,884Porsche Taycan$8,821Mercedes-AMG G63$8,651Powered by:Car insurance costs can vary significantly depending on where you live and your personal profile. The smartest way to get the right coverage at a good price is to shop around and compare quotes from multiple insurers. Taking the time to do a little research can end up saving you a lot on your premiums.MethodologyInsure.com commissioned Quadrant Information Service to get 2025 car insurance data. Our team of data analysts and expert editors has analyzed 78,451,280 insurance quotes from 170 insurance companies across 34,588 ZIP codes to determine the average premiums. The insurance rates are based on a sample profile of a 40-year-old male and female drivers with a clean driving record and a good insurance score. Quotes premiums are for different coverage limits, includingFull coverage policy limits of $100,000 per person for bodily injury, $300,000 total for all bodily injuries per accident and $100,000 for property damage per accident.State minimum limits Liability-only policy with limits of $50,000 per person for bodily injury, $100,000 in bodily injury per accident and $100,000 for property damage per accident. We also collected average car insurance rates for drivers of different age groups:Teen drivers aged 16-19Young drivers aged 20-24Adult drivers aged 25-60Senior drivers aged 65-75The quoted insurance rates are for comparison purposes, and your rates may vary.78.5MQuotes reviewed170No. of carriers analyzed34.5KZIP codes analyzedHow much is car insurance in other statesAlaska$2,215/YearAlabama$2,107/YearArkansas$2,723/YearArizona$2,333/YearCalifornia$3,010/YearColorado$3,222/YearConnecticut$2,726/YearDelaware$3,097/YearFlorida$3,852/YearGeorgia$2,739/YearHawaii$1,721/YearIowa$2,228/YearIdaho$1,791/YearIllinois$1,901/YearIndiana$1,856/YearKansas$2,410/YearKentucky$2,976/YearMassachusetts$2,430/YearMaryland$2,273/YearMaine$1,701/YearMichigan$3,146/YearMinnesota$2,561/YearMissouri$2,410/YearMississippi$2,455/YearMontana$2,541/YearNorth Carolina$2,587/YearNorth Dakota$2,079/YearNebraska$2,387/YearNew Hampshire$1,650/YearNew Jersey$2,736/YearNew Mexico$2,486/YearNevada$3,284/YearNew York$2,898/YearOhio$1,739/YearOklahoma$2,705/YearOregon$1,927/YearPennsylvania$2,428/YearRhode Island$2,706/YearSouth Carolina$2,367/YearSouth Dakota$2,635/YearTennessee$2,214/YearTexas$2,631/YearUtah$2,250/YearVirginia$1,837/YearVermont$1,504/YearWashington$2,175/YearWisconsin$2,026/YearWest Virginia$2,557/YearWyoming$1,984/YearShow more states No matches are found Shivani GiteContributing Writer | . .Shivani Gite is a personal finance and insurance writer with a degree in journalism and mass communication. 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How much used car insurance costs: Most and least expensive models to insure Average car insurance rates by age and gender 1/1 On this page Average car insurance cost in LouisianaCheapest car insurance companies in LouisianaAverage cost of car insurance by coverage levels in LouisianaAverage car insurance cost in Louisiana by cityAverage car insurance cost in Louisiana by ageMinimum car insurance requirements in LouisianaCheapest cars to insure in LouisianaMost expensive cars to insure in LouisianaMethodology ZIP Code Please enter valid ZIP See rates (844) 645-3330