Car Insurance in Louisiana

Average car insurance cost in Louisiana

The NAIC average expenditure is what insured drivers actually paid on average, including people who carry only liability. For those who buy each coverage, the average premium was $1,055 for liability, $581 for collision and $346 for comprehensive ($1,983 combined, versus $1,439 nationally). That average expenditure is 13% higher than the NAIC's previous data year ($1,558). Comprehensive coverage costs notably more than the U.S. average here, which usually reflects weather (hail, wind, flooding) and theft losses.

Minimum car insurance requirements in Louisiana

Louisiana's minimum is written as 15/30/25: $15,000 per person / $30,000 per accident in bodily injury liability and $25,000 in property damage liability. Those limits are low compared with the cost of a serious injury claim, so many drivers choose 100/300/100 — we estimate that "standard" level at about $1,275 a year here, $485 more than the minimum.

Under the "No Pay, No Play" law, uninsured drivers cannot collect the first $15,000 of injury damages or the first $25,000 of property damage, regardless of fault.

Is Louisiana a no-fault state?

No — Louisiana is an at-fault (tort) state. Louisiana is an at-fault (tort) state: the driver responsible for a crash, through their liability insurance, pays for the other party's injuries and property damage. Injured people can claim against the at-fault driver's insurer, use their own coverage, or sue.

No-fault vs. at-fault explained

Uninsured drivers in Louisiana

The Insurance Research Council estimates 11.7% of Louisiana drivers are uninsured — 32nd highest in the country, compared with 15.4% nationally. That's roughly one uninsured driver in every 9 on the road. Uninsured motorist (UM) coverage isn't mandatory here (Uninsured/underinsured motorist coverage is included unless the insured rejects it, selects lower limits or chooses economic-only coverage on the state-prescribed form), but it is still inexpensive protection against hit-and-run and uninsured drivers.

SR-22 requirements in Louisiana

Louisiana uses the SR-22 — a certificate your insurer files with the state to prove you carry at least the minimum liability coverage. It is usually ordered after a DUI, driving uninsured, serious violations or a license suspension, and is typically kept for about 3 years. After a DWI-related suspension, the Office of Motor Vehicles requires SR-22 proof of financial responsibility for three years.

By our model, a driver in their 30s with a DUI would pay about $1,490 a year for minimum coverage in Louisiana, versus $790 with a clean record. What is SR-22 insurance?

Car insurance by city in Louisiana

We cover 9 Louisiana cities. Estimates are for full coverage for a driver in their 30s with a clean record; hover a city to find it on the map. The lowest estimate is in Bossier City ($2,260) and the highest in Kenner ($2,575).

Estimated cost by driver profile in Louisiana

Age and driving record move premiums more than almost anything else. A teen on their own policy pays about 2.8× what a driver in their 30s pays for the same full coverage in Louisiana.

By coverage level

Cheapest and most expensive cars to insure in Louisiana

Full-coverage estimates for current models, using HLDI insurance-loss data where available. Vehicle choice alone can swing the premium by more than $4,275 a year here.

Cheap car insurance in Louisiana: how to lower your rate

• Raise your deductible. Going from $500 to $1,000 on collision and comprehensive saves about $125 a year on a typical Louisiana full-coverage policy.
• Match coverage to your car's value. On a 10-year-old car, dropping collision and comprehensive could cut the bill from about $1,785 to $1,275.
• Drive less, pay less. Low-mileage and usage-based programs can save around $150 a year if you drive under 7,500 miles.
• Protect your record. A single speeding ticket adds roughly $485 a year in our model; an at-fault accident adds much more.
• Shop at renewal. Rates for the same driver differ widely between insurers. Compare identical limits and deductibles.
• Ask about discounts — bundling home and auto, good student, safe-driver, paid-in-full and defensive-driving course discounts. See common discounts.

Complaints and help: Louisiana Department of Insurance

The Louisiana Department of Insurance licenses insurers and agents, reviews rates and handles consumer complaints about claims, cancellations and billing — free of charge.

Website

www.ldi.la.gov

File a complaint

Consumer complaint page

Consumer helpline

1-800-259-5300

Homeowners insurance in Louisiana →

Louisiana vs. neighboring states