Average car insurance cost in Louisiana

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The average premium for car insurance in Louisiana is $2,546 per year or $212 per month. While the national average is $1,682. There is a difference of $864 more between the national average and the state average.

Many factors affect car insurance rates, including age group, gender, driving history, credit score, and where you live. Shop around and compare quotes to save money on your auto insurance.

Read on to learn more about the average rate of full coverage, companies offering cheap monthly premiums for car insurance, average car insurance rates by cities in Louisiana, and car insurance rates by age group.

Average car insurance cost in Louisiana per month

In Louisiana, the average premium for car insurance is $212 per month.

The price for the same coverage may differ between companies, which is true of every auto insurance company. When looking for car insurance rates in Louisiana, get quotes from many insurers.

As per the rate analysis conducted by Insure.com, the company that offers the cheapest car insurance premiums in Louisiana is Southern Farm Bureau. The average annual cost is $1,478, while the average monthly cost is $123. The second-best option available is USAA, offering insurance at an average per month cost of $140.

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.

Read our guide to the best car insurance companies.

Average cost of car insurance by coverage levels in Louisiana

The amount of coverage you purchase has an impact on how much car insurance costs in Louisiana. Your liability limits determine your premium and whether you want comprehensive and collision coverage.

Liability only insurance protects a third party’s property damage and personal injuries in the event of an accident. In the case of a collision, having only liability coverage on your auto insurance would not cover your injuries or personal property damage since you are the driver responsible for the accident. If your coverage limit is 50/100/50 liability only, the average annual cost in Louisiana is $1,260.

When you add more coverage to your policy, your insurance premium increases. The insurance provider will have to compensate you if you are in an accident or suffer damage in any other manner. Hence, the average cost of full coverage car insurance in Louisiana is $2,546 per year.

Non-owner state minimum liability coverage is best suited for someone who does not own the car but frequently rents a car. It is like liability-only coverage and covers property damage and bodily injury caused to another driver. In Louisiana, the average annual cost for non-owner state minimum liability only is $366.

Those who wish to save money on car insurance premiums can opt to have only the state minimum liability coverage to drive legally in the state. The state minimum liability only coverage costs $726 per year in Louisiana.

Average car insurance cost in Louisiana by city

Your car insurance premium is determined by various factors, including your state, city, and even ZIP code. The incidence of accidents and the likeliness of vehicle theft or vandalism can influence the overall cost of a city or ZIP code.

The table below shows the top popular cities in Louisiana:

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.

Average car insurance cost in Louisiana by age

Age is also a consideration when it comes to auto insurance rates. Teens are more likely to be in automobile accidents than any other generation. For example, the average annual rate for young drivers in Louisiana is $4,260 while for seniors it is $2,484. Here, the rate for young drivers is $1,776 more than for senior drivers.

Statistics show that young drivers are more likely to be in a vehicle accident than experienced drivers. As a result, they are deemed high-risk and costly to insure. However, premiums start to rise again at about age 70 when some aspects of aging start affecting driving abilities.

Average car insurance cost in Louisiana for young drivers

The average car insurance cost for female young drivers in Louisiana is $3,999 per year or $333 per month and rate for a male young driver is $4,521 per year or $377 per month.

The average annual rates for young male and female drivers are listed in the table below:

Average car insurance cost in Louisiana for senior drivers

In Louisiana, the cost of car insurance for senior female driver is $2,479 per year or $207 per month and cost of car insurance for male senior driver is $2,489 per year or $207 per month.

Read more about car insurance for seniors.

Minimum car insurance requirements in Louisiana

Each state sets its own regulations regarding the minimum amount of car insurance coverage drivers must carry to operate a vehicle legally on the roads. According to information provided by the Louisiana Department of Insurance, the following are the required coverages and minimum coverage limits in Louisiana:

• Bodily injury per person: $15,000
• Bodily injury per accident: $30,000
• Personal property coverage per person: $25,000

Cheapest cars to insure in Louisiana

The Hyundai Venue SE has the lowest average annual insurance premium at $1,893, followed closely by the Mazda CX-30 S at $1,916. The difference in the cost of insuring these two models is $23 annually.

Most expensive cars to insure in Louisiana

The most expensive car to insure on the list is the Maserati Quattroporte, which has an average annual premium of $5,889. However, the difference between the cheapest and most expensive cars to insure is $3,996 annually.

Note: For coverage limit: 100/300/50 liability with a $500 comprehensive and collision deductible.

Methodology

Insure.com team worked with Quadrant Information Service to get car insurance data. To determine the average premiums, our team of data analysts and expert editors have analyzed 56,838,240 insurance quotes from 136 insurance companies across 34,523 ZIP codes.

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:

• $100,000 bodily injury liability per person
• $300,000 bodily injury liability per accident
• $100,000 property damage liability
• $500 collision/comprehensive deductible

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

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