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 GiteShivani GiteShivani 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.VIEW FULL PROFILE | Reviewed by Nupur GambhirNupur GambhirEditor-in-ChiefNupur Gambhir is the editor-in-chief of Insure.com and a licensed life, health and disability insurance agent in New York with seven years of experience covering insurance. Her expertise has been featured in Bloomberg News, Forbes Advisor, CNET, Fortune, Slate, Real Simple, Lifehacker, The Balance, The Financial Gym and MSN. She holds a BA in Economics from The Ohio State University.VIEW FULL PROFILESee moreSee less | Updated onApril 9, 2026 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 A full coverage car insurance policy costs around $4,180 a year or $348 per month for Louisiana drivers. However, if you choose to get the state’s minimum liability coverage, you’ll pay $993 a year.Where you live plays a big role in what you pay for car insurance. Insurers factor in local accident rates, repair and medical costs, theft trends, and even weather risks when setting premiums. If you’re in a crowded city with high traffic or crime rates, you’ll typically pay more, whereas quieter rural areas usually come with lower premiums. But location isn’t everything – your age, driving history, credit score, ZIP code and even the type of car you drive also play a role in determining your final premium. 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 012345 1 of 6 Average car insurance cost in Louisiana If you’re a resident of Louisiana, full coverage car insurance typically costs about $348 per month, adding up to $4,180 a year. Choosing the minimum required coverage can lower your monthly car insurance cost to $83, or $993 annually.The amount you pay for car insurance can vary widely based on factors such as your age, driving record, credit history, location, and the make and model of your vehicle.Cheapest car insurance companies in LouisianaSouthern Farm Bureau provides the lowest full coverage rates, for an average cost of $2,223 per year or $185 monthly for a policy with 100/300/100 liability limits and $500 collision and comprehensive deductibles.GEICO also offers affordable insurance coverage to Louisiana drivers at an average cost of $3,347 a year or $279 per month.Although these insurers offer some of the most affordable average rates in Louisiana, your exact insurance cost may vary. Be sure to shop around and compare quotes to get the best deal on auto coverage. 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: *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 Minimum$1,231/year Liability coverage$2,621/year Full Coverage$4,976/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? Select 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 - + Methodology Insure.com commissioned Quadrant Information Services to calculate average auto insurance rates for vehicles from 2015 to 2024. Our hypothetical driver is a 40-year-old male who commutes 12 miles to work each day and drives 10,000 miles annually, with policy limits of 100/300/100 ($100,000 for injury liability for one person, $300,000 for all injuries and $100,000 for property damage in an accident) and a $500 deductible on collision and comprehensive coverage. Rates include uninsured/underinsured motorist coverage (since some states require it, we include it for all states) and PIP or Medical Payments if required by state law. This hypothetical driver has a clean record and good credit. For liability-only comparisons, rates reflect the same hypothetical driver but with liability limits of 100/300/100, uninsured/underinsured motorist coverage in matching amounts and PIP or MedPay if required by state law. 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 174 insurance companies across 76 company groups and were averaged across 34,595 ZIP codes covering 29,374 cities and 3,144 counties across 51 jurisdictions. Rates are based on analysis of 4,781 vehicle make-model combinations. Average rates are for comparative purposes; your rate will depend on your personal factors. Data last refreshed in 2026Powered by:Average cost of car insurance by coverage levels in LouisianaYour car insurance premium is determined by the coverage limits you choose.If you purchase only the state’s minimum liability limits, you’ll pay $83 per month or $993 annually. While an affordable option, it only includes liability coverage. That means any damage to your own vehicle won’t be covered.If you’re looking for more robust protection, consider choosing full coverage car insurance. It includes liability coverage, plus collision and comprehensive insurance. Collision coverage covers damage to your vehicle in an accident, no matter who’s at fault. Comprehensive insurance covers theft, vandalism or weather-related damage to your car.In Louisiana, drivers typically pay $348 per month or $4,180 annually for full coverage car insurance.Although it costs more than minimum coverage, full coverage can be a smart choice -particularly if you have a newer or financed vehicle.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 ageInsurers consider age a key risk factor when determining car insurance rates. Our data shows that young drivers typically pay higher premiums due to their limited experience behind the wheel.Generally, rates are highest for teens, begin to drop after age 25 and rise again once drivers reach their early 70s.Let’s take a closer look at how much you might pay in Louisiana for a full coverage policy based on your age and gender.Average car insurance cost in Louisiana for young driversIf you’re a young driver, you can expect to pay above average premiums. Insurers see young drivers as high-risk, which means higher premiums until you gain more experience behind the wheel.For instance, 20-year-old male drivers in Louisiana pay an average of $10,037 per year for car insurance, while females of the same age pay $8,093.But by the time you turn 25, insurance premiums drop to $5,010 a year on average for male drivers and $4,702 for female drivers.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 driversOn average, an adult male driver in Louisiana pays $4,110 a year for full coverage or $342 per month. Women pay $4,071 a year or $339 per month for the same coverage.However, exact rates can vary widely from driver to driver, so it’s helpful to compare quotes to find the best price for your vehicle.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 driversIf you’re a senior driver, your car insurance costs go up as you get older. At age 65, men pay about $3,877 per year, while women pay $3,858. But by age 70, average premiums rise to $3,864 for men and $3,859 annually for women. At 75, rates increase even further – $3,856 for male drivers and $3,862 for female drivers.Insurers charge more because older drivers are seen as a higher risk due to slower reaction times and changes in vision. But you can still keep costs down by maintaining 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 buying your first insurance policy or just moved to Louisiana, it’s important to understand the state’s car insurance requirements.To stay on the right side of the law, drivers in Louisiana must carry at least the following minimum liability coverage: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 stands out as the most expensive car to insure in Louisiana, with an average annual cost of $10,290.The table below shows the most expensive vehicles to insure in Louisiana along with their average annual insurance costs.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 rates can differ widely based on your location and driving profile. The best way to find the right coverage at the best price is to compare quotes from at least three insurance companies. Shopping around can help you save money on your car insurance 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 limitsLiability-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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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