Louisiana car insurance calculator

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If you drive in Louisiana, you know how essential car insurance is – but finding the right coverage at a price you can afford isn’t always simple. That’s why we created the Louisiana car insurance calculator.

It uses your vehicle’s make and model to estimate your average annual and monthly premiums in Louisiana, giving you the insight you need to confidently choose coverage.

How to use our car insurance calculator to estimate your rates in Louisiana

Our calculator gives you a fast, customized car insurance estimate. Enter a few details to see your potential rates and easily compare coverage options – no guesswork required.

• Step 1: Choose the model year of your car.
• Step 2: Choose the make and model of your car.
• Step 3: Choose your state.
• Step 4: Click on the “Get My Rates” button to get a car insurance estimate.
• Step 5: Expand your options by adding more vehicles, or take the next step by clicking the “Get quotes” button to compare policies and prices.

Louisiana car insurance calculator

Tell us about your car to get an estimate.

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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 Minimum$1,231/year

Liability coverage$2,621/year

Full Coverage$4,976/year

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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

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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.

Does your vehicle model affect car insurance rates in Louisiana?

Your car’s make and model play a major role in determining your insurance rates, along with other factors insurers use when setting premiums.

For example, the average annual full coverage cost for a Honda Accord LX in Louisiana is $3,921, while the average premium for a Honda CR-V is $3,276 – that’s a difference of $645 annually.

How your car’s model year affects insurance rates in Louisiana

In Louisiana, insurance premiums often change depending on the car’s model year. For instance, a 2023 Honda Accord LX costs an average of $6,008 year to insure, whereas the 2024 model costs $3,871 annually.

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.

Our agents make it hassle-free to get the right quote.

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How your car’s trim affects insurance rates in Louisiana

Insurance rates often vary based on your car’s trim. Companies consider the vehicle’s value, cost of repairs, safety equipment and theft risk. Premium trims with upgraded technology or more powerful engines usually mean higher premiums due to their higher replacement and repair costs.

For example, in Louisiana, full coverage car insurance for a 2023 Honda Accord LX costs $6,008 a year, while the higher-end Accord EX-L trim costs $5,075 annually – a difference of $933 per year.

Luxury features like high-end sound systems or advanced infotainment can increase insurance rates, since they add to the car’s value. Similarly, performance trims with larger engines often increase premiums due to a greater risk of accidents or speeding.

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Average car insurance costs in Louisiana

The average annual premium for a full coverage car insurance policy in Louisiana is $4,180 or $348 per month. However, your actual premium may differ depending on your chosen coverage level.

Below are estimated costs for various coverage levels in Louisiana, but your actual rate will depend on personal factors such as your vehicle, driving history, and other details.

How car insurance prices compare across Louisiana cities

Car insurance premiums in Louisiana can vary widely from one city to another. Insurers consider congestion, accident statistics, weather risks, and crime rates when setting premiums. For example, full coverage costs $6,674 per year in New Orleans, compared to $3,182 in Plain Dealing.

Top 20 cities with cheapest car insurance rates in Louisiana

Top 20 cities with most expensive car insurance in rates Louisiana

Want to know what you’ll pay? Try our Louisiana car insurance calculator

Our Louisiana car insurance calculator estimates your rate based on your location, vehicle make, and model year. Just enter a few details for a personalized estimate, then compare quotes from multiple insurers to find the best fit.

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.