Average car insurance cost in Louisiana

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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 car insurance cost in Louisiana

If you live in Louisiana can expect to pay an average of $348 per month for full coverage car insurance – that’s $4,180 per year. If you opt for your state’s minimum required coverage, your insurance cost drops to $83 monthly or $993 annually. Just keep in mind that opting for minimum coverage means significantly less protection if you’re in an accident.

However, how much you actually pay for coverage can vary based on several factors, such as your age, driving history, credit score, ZIP code and the type of car you drive.

Cheapest car insurance companies in Louisiana

Southern Farm Bureau has the cheapest rates, at an average annual cost of $2,223 or $185 a month for a full coverage policy with limits of 100/300/100 and $500 collision and comprehensive deductibles.

GEICO also stands out for its affordable premiums, with an average cost of $279 per month or $3,347 annually.

While these insurance companies have some of the lowest average rates in Louisiana, your actual premium may vary. It’s always a good idea to compare quotes to find the best deal on auto insurance.

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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/year

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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.

Average cost of car insurance by coverage levels in Louisiana

The 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 year

While 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.

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.

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Average car insurance cost in Louisiana by city

Because car insurance rates vary by location, the city you live in also affects how much you pay. If you’re in cities like New Orleans, Kenner or Baton Rouge, you’ll likely see higher premiums because of high traffic and accident rates, and greater risk of theft or damage.

On the other hand, drivers in cities like Bossier City or Shreveport pay significantly low insurance rates, on average between $3,345 and $3,705 a year. Insurers typically charge lower premiums in these cities due to fewer accidents, lower population density, vehicle theft and vandalism rates.

Average car insurance cost in Louisiana by age

Insurers 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 drivers

If 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.

Average car insurance cost in Louisiana for adult drivers

On 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.

Average car insurance cost in Louisiana for senior drivers

If 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.

Minimum car insurance requirements in Louisiana

Whether 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: $15,000
• Bodily injury per accident: $30,000
• Property damage liability: $25,000

Cheapest cars to insure in Louisiana

Insurance 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.

Most expensive cars to insure in Louisiana

BMW 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.

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.

Methodology

Insure.com commissioned Quadrant Information Service to get 2023 car insurance data. Our team of data analysts and expert editors has analyzed 56,838,240 insurance quotes from 136 insurance companies across 34,523 ZIP codes to determine the average premiums. The insurance rates are based on a sample profile of a 40-year-old male driver with a clean driving record and a good insurance score. Quotes premiums are for different coverage limits, including

• Full 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:

• Young drivers aged 20-24
• Adult drivers aged 25-60
• Senior drivers aged 65-75

The quoted insurance rates are for comparison purposes, and your rates may vary.

Shivani Gite

Contributing Writer

 

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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.

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