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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.

Summary of average car insurance cost in Louisiana
Average annual cost
Average per month cost
Average cost for state minimum coverage
$726 / Year
Cheapest car insurance company
Southern Farm Bureau
($1,478/ Year)
Average cost for young drivers
$4,260 / Year
Average cost for senior drivers
$2,484 / Year

Key Takeaways

  • The average car insurance cost in Louisiana is $2,546 per year, based on’s analysis.
  • In Louisiana, the average premium for car insurance is $212 per month.
  • Southern Farm Bureau has the cheapest car insurance rates in Louisiana, at an average annual rate of $1,478 a year.

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, 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.

Company nameAverage per month costAverage annual cost
Southern Farm Bureau$123$1,478
State Farm$182$2,181
Safeway Insurance$234$2,810
Farmers Insurance$246$2,957
Auto Club$333$4,002

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.

Coverage limitsAverage annual cost
50/100/50 Liability Only$1,260
100/300/100 Liability with $500 Comp/Coll Deductible$2,546
Non-Owner State Minimum Liability Only$366
State Minimum Liability Only$726

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:

CityAverage annual cost
New Orleans$3,966
Baton Rouge$3,000
Lake Charles$2,708
Bossier City$2,052

Auto insurance premiums vary significantly from city to city, so drivers need to be sure they’re getting the best deal. has done the research for you. Get more information on auto insurance rates by city below.

Car insurance rates in Louisiana by city

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 monthand 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:

Age of driverAverage annual cost for Male driversAverage annual cost for Female drivers

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.

Age of driverAverage annual cost for Male driversAverage annual cost for Female drivers

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.

Make Model Average annual premium
Hyundai Venue SE $1,893
Mazda CX-30 S $1,916
Toyota C-HR Limited $1,963
Kia Seltos EX $2,015
Subaru Outback 2.5I $2,025
Subaru Crosstrek 2.0I $2,047
Subaru Crosstrek 2.5I Limited $2,053
Subaru Forester 2.5I $2,066
Chrysler Voyager LX $2,071
Subaru Outback 2.4I Limited XT $2,090

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.

Make Model Average annual premium
Maserati Quattroporte $5,889
Audi R8 5.2L V10 Quattro Performance $5,829
BMW M760i xDrive $5,679
Porsche 718 Boxster Spyder $5,579
BMW M8 Competition XDrive $5,562
Maserati Levante Trofeo $5,542
BMW M5 $5,386
Porsche 911 Turbo $5,345
Porsche Taycan Turbo S $5,291
Maserati Ghibli Modena $5,239

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

Methodology 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.

How much is car insurance in other states

North Carolina$1,368/Year
North Dakota$1,419/Year
New Hampshire$1,307/Year
New Jersey$1,901/Year
New Mexico$1,505/Year
New York$2,020/Year
Rhode Island$1,845/Year
South Carolina$1,894/Year
South Dakota$1,581/Year
West Virginia$1,610/Year
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