Home Car insurance Average car insurance cost Car insurance rates by state Average car insurance cost in Louisiana Average car insurance cost in Louisiana The average premium for car insurance in Louisiana is $2,883 per year or $240 per month. View Carriers Please enter valid zip Compare top carriers in your area Written by Prachi Singh Prachi Singh Prachi is an insurance writer with a master’s degree in business administration. Through her writing, she hopes to help readers make smart and informed decisions about their finances. She loves to travel and write poetry. Updated on: September 9, 2024 Why you can trust Insure.com Quality Verified 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. If you want to secure auto insurance coverage in Louisiana, know the associated costs. On average, premiums for car insurance in Louisiana cost $2,883 per year or $240 monthly. While the national average is $1,682, highlighting a difference of $988.Various factors influence car insurance rates, including age, gender, driving history, credit score, and location. This guide covers the average cost of full coverage in the state, the factors impacting auto insurance rates, identifies companies providing affordable monthly premiums for car insurance, outlines average car insurance rates across cities in Louisiana, and breaks down car insurance rates by age group.Shop around and compare quotes to save money on your auto insurance. Continue reading the guide to ensure your insurance policy meets your needs within your budget.Summary of average car insurance cost in LouisianaAverage annual cost $2,883Average per month cost $240Average cost for state minimum coverage $722 / YearCheapest car insurance company Southern Farm Bureau($2,121 / Year)Average cost for young drivers $4,531 / YearAverage cost for Senior drivers $2,747 / Year Key Takeaways Based on Insure.com’s analysis, car insurance in Louisiana costs $2,883 per year.Car insurance in Louisiana costs $240 per month.Southern Farm Bureau has the cheapest car insurance rates in Louisiana, at an average annual rate of $2,121 a year. Average car insurance cost in Louisiana per monthIn Louisiana, the monthly rate for car insurance is $240.This rate can vary among companies, as is the case with every auto insurance carrier. When exploring car insurance rates in Louisiana, it’s best to obtain quotes from multiple companies to ensure you find the most suitable coverage at the best possible price.Cheapest car insurance companies in LouisianaAccording to Insure.com’s rate analysis, Southern Farm Bureau offers the most affordable car insurance premiums in Louisiana. The average annual cost is $2,121, or $177 per month. The second-best option available is Geico, offering insurance at an average cost of $249 per month.The table below lists the other available car insurance companies that offer car insurance in Louisiana, along with their average cost per month and average annual cost.Company nameAverage per month costAverage annual costSouthern Farm Bureau$177$2,121Geico$249$2,983Farmers$250$3,002Progressive$255$3,065Louisiana Farm Bureau$260$3,122Safeway Insurance$266$3,191Auto Club Enterprises (AAA)$289$3,473State Farm$297$3,570USAA$164$1,973Read our guide to cheap car insurance companies Louisiana car insurance calculator Select Year Select Year202320222021202020192018201720162015201420132012201120102009200820072006 Vehicle Make Select MakeAcuraAlfa-RomeoAudiBMWBuickCadillacChevroletChryslerDodgeFordGenesisGMCHondaHyundaiInfinitiJaguarJeepKiaLand RoverLexusLincolnMaseratiMazdaMercedesMiniMitsubishiNissanPolestarPorscheRamSubaruTeslaToyotaVolkswagenVolvo Vehicle Model Select ModelIntegraIntegra A-SpecIntegra A-Spec TechMDXMDX SHMDX SH A-SpecMDX SH AdvanceMDX SH TechMDX SH Type SMDX SH Type S Advance PackageMDX TechRDXRDX A-SpecRDX A-Spec AdvanceRDX SHRDX SH A-SpecRDX SH AdvanceRDX SH TechRDX TechTLX 2.0TTLX 2.0T A-SpecTLX 2.0T SH A-SpecTLX 2.0T SH AdvanceTLX 2.0T TechTLX 3.0T Type S State Select StateAlaskaAlabamaArizonaArkansasCaliforniaColoradoConnecticutWashington D.C.DelawareFloridaGeorgiaHawaiiIdahoIllinoisIndianaIowaKansasKentuckyLouisianaMaineMarylandMassachusettsMichiganMinnesotaMississippiMissouriMontanaNebraskaNevadaNew HampshireNew MexicoNew YorkNew JerseyNorth CarolinaNorth DakotaOhioOklahomaOregonPennsylvaniaRhode IslandSouth CarolinaSouth DakotaTennesseeTexasUtahVermontVirginiaWashingtonWest VirginiaWisconsinWyomingNationwide Reset Vehicle already present. 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Year 2023 Cylinders 4 Make & Model Acura - Integra State Louisiana Style 2WD 4 Door Hatchback Turbo CVT Vehicle Type Luxury Car State Minimum Coverage NA* Liability Coverage NA* Full Coverage $3,137/Year OR $261/month Louisiana Get Quote Get Quote 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 - + *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 2023 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 LouisianaThe extent of coverage you select determines car insurance costs in Louisiana. Your liability limits and whether you opt for comprehensive, or collision coverage determine your premiums.Liability-only insurance protects against third-party property damage and personal injuries in accidents. However, in the event of a collision, having liability coverage alone would not extend to your injuries or personal property damage since you are responsible for the accident. For instance, with a 50/100/50 liability-only coverage limit, the average annual cost in Louisiana amounts to $1,266.Expanding your policy to include more coverage results in a higher insurance premium. This is because the insurance provider is liable to compensate you for accidents or other damage. Consequently, the average annual cost of full coverage car insurance in Louisiana stands at $2,883.Non-owner state minimum liability coverage is the most appropriate choice for individuals who do not own a vehicle but regularly rent one. Like liability-only coverage, it protects property damage and bodily injury inflicted upon another driver. In Louisiana, the average annual cost for non-owner state minimum liability coverage stands at $330.Meanwhile, for those who wish to save money on car insurance premiums, selecting only the state minimum liability coverage enables legal driving within the state. The annual cost for state minimum liability coverage alone amounts to $722 in Louisiana.Coverage limitsAverage annual costState Minimum BI/PD$722Liability Only – 50/100/50 BI/PD$1,266Full Coverage – 100/300/100 BI/PD – 500 Comp/Coll$2,883Non-Owners$330Auto 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 cityBaton RougeLafayetteLake CharlesNew OrleansShreveportAverage car insurance cost in Louisiana by cityYour car insurance premium is impacted by numerous factors, including your state, city, and even ZIP code. The incidents of accidents and the probability of vehicle theft or vandalism can significantly sway the overall cost within a city or ZIP code.The table below depicts the top popular cities in Louisiana:CityAverage annual costAlexandria$3,256Baton Rouge$3,166Bossier City$2,625Houma$2,739Kenner$2,987Lafayette$3,152Lake Charles$3,061Monroe$3,166New Orleans$2,949Shreveport$2,840Average car insurance cost in Louisiana by age of the driverAge plays a significant role in determining auto insurance premiums. Teenagers have a higher likelihood of being involved in car accidents compared to other age groups. The average annual rate for young drivers in Louisiana is $4,531, whereas for seniors, it’s $2,747. The rate for young drivers surpasses that of senior drivers by $1,784.Based on statistical data, young drivers are at a higher risk of being involved in vehicle accidents compared to more seasoned drivers. Consequently, they are categorized as high-risk drivers, leading to higher insurance costs. Factors such as speeding and limited road experience contribute to this high-risk classification. However, premiums begin to increase again around age 70, as certain age-related factors can impact driving capabilities.Average car insurance cost in Louisiana for young driversFor female young drivers in Louisiana, the average annual car insurance cost is $4,339, and $362 per month. Conversely, male young drivers face an average annual rate of $4,738, and $395 per month.The average annual rates for young male and female drivers are listed in the table below:Age of driverAverage annual cost for Male driversAverage annual cost for Female drivers20$6,116$5,31121$4,943$4,62822$4,439$4,12723$4,258$3,93924$3,970$3,693Average car insurance cost in Louisiana for senior driversFor senior female drivers in Louisiana, the annual cost of car insurance is $2,743, or $229 per month. Similarly, male senior drivers face an annual insurance rate of $2,750, or $229 per month.Age of driverAverage annual cost for Male driversAverage annual cost for Female drivers65$2,714$2,71070$2,725$2,72475$2,807$2,791Read more about senior car insuranceMinimum car insurance requirements in LouisianaEvery state establishes its own regulations concerning the minimum car insurance coverage drivers must possess to legally operate a vehicle. As per information given by the Louisiana Department of Insurance, the following outlines the mandatory coverages and minimum coverage limits in Louisiana:Bodily injury per person: $15,000Bodily injury per accident: $30,000Personal property coverage per person: $25,000Cheapest cars to insure in LouisianaThe Chevrolet TrailBlazer is most affordable average annual insurance premium, standing at $2,462, with the Kia Seltos trailing closely behind at $2,563. The annual difference in insurance costs between these two models amounts to $101.MakeModelAverage annual premiumChevroletTrailBlazer$2,462KiaSeltos$2,563MazdaCX-30$2,563VolkswagenTiguan$2,572VolkswagenTaos$2,580HondaHR-V$2,583HondaCR-V$2,605SubaruCrosstrek$2,616MazdaCX-5$2,619HyundaiVenue$2,664Most expensive cars to insure in LouisianaThe most expensive car to insure on the list is the Maserati Quattroporte Trofeo, which has an average annual premium of $8,048. However, the difference between the cheapest and most expensive cars to insure is $5,586 annually.MakeModelAverage annual premiumMaseratiQuattroporte Trofeo$8,048AudiR8$8,011AudiR8 Performance$7,977MaseratiQuattroporte$7,895PorschePanamera Turbo S E-Hybrid$7,852Porsche911 Turbo$7,754DodgeCharger SRT$7,736AudiE-Tron GT$7,618BMWM8$7,588DodgeChallenger SRT$7,356MethodologyThe Insure.com team worked with Quadrant Information Service to get car insurance data. Our team of data analysts and expert editors have 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 a full coverage policy with limits of 100/300/100. The quoted insurance rates are for comparison purposes, and your rates may vary.How much is car insurance in other statesAlaska$1,676/YearAlabama$1,860/YearArkansas$1,957/YearArizona$1,812/YearCalifornia$2,416/YearColorado$2,337/YearConnecticut$1,725/YearDelaware$2,063/YearFlorida$2,694/YearGeorgia$1,970/YearHawaii$1,517/YearIowa$1,630/YearIdaho$1,428/YearIllinois$1,532/YearIndiana$1,515/YearKansas$1,900/YearKentucky$2,228/YearMassachusetts$1,726/YearMaryland$1,746/YearMaine$1,175/YearMichigan$2,352/YearMinnesota$1,911/YearMissouri$1,982/YearMississippi$2,008/YearMontana$2,193/YearNorth Carolina$1,741/YearNorth Dakota$1,665/YearNebraska$1,902/YearNew Hampshire$1,265/YearNew Jersey$1,902/YearNew Mexico$2,049/YearNevada$2,060/YearNew York$1,870/YearOhio$1,417/YearOklahoma$2,138/YearOregon$1,678/YearPennsylvania$1,872/YearRhode Island$2,061/YearSouth Carolina$2,009/YearSouth Dakota$2,280/YearTennessee$1,677/YearTexas$2,043/YearUtah$1,825/YearVirginia$1,469/YearVermont$1,319/YearWashington$1,608/YearWisconsin$1,664/YearWest Virginia$2,005/YearWyoming$1,758/YearShow more Explore other insurance options in Louisiana Non-owner car insurance in Louisiana Average renters insurance cost in Louisiana Average homeowners insurance cost in Louisiana Prachi SinghContributing Researcher . .Prachi is an insurance writer with a master’s degree in business administration. 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Part 1: How insurance companies spot bogus claims Insurance options for rideshare drivers 10 things that are illegal but shouldn’t be 1/1 On this page Average car insurance cost in Louisiana per monthCheapest 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 age of the driverMinimum car insurance requirements in LouisianaCheapest cars to insure in LouisianaMost expensive cars to insure in LouisianaMethodology ZIP Code Please enter valid ZIP See rates