Cheapest Insurance in Louisiana 2021

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  • Minimum coverage
  • Additional coverage
  • Minimum coverage carriers
  • Full coverage
  • Full coverage carriers
  • Cost by age
  • Poor driving record insurance
  • Carriers for poor driving record
  • Young drivers poor driving record insurance
  • Young drivers carriers for poor driving record
  • Discounts
  • Cost by car make
  • Cost by city
  • Lower costs
  • Methodology
Louisiana is one of the most expensive states in the country for car insurance, with drivers paying about 57% above the national average for their annual premiums. So in order to find the most affordable rates, you’ll definitely want to shop around.
Each insurer uses its own formula to determine premiums, weighing factors such as location, age, gender, driving history, and vehicle type. This means that car insurance rates can vary substantially from one insurance company to another.
Jerry offers a quick and convenient way to compare quotes and switch plans. Want to give it a try? Enter your ZIP code to get cheap car insurance quotes from the best insurance companies in Louisiana. And if you want to learn more about car insurance rates in Louisiana, keep reading.
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Here’s how much real Jerry customers saved in Louisiana when they compared and switched.
Quote DateMake/modelcityAgeCarrierCoverage Type
Before Jerry
After Jerry
August 29, 2021Toyota Camry LEShreveport30ProgressiveCustom$153/mo.$102/mo.
May 25, 2021Chrysler SebringMetairie32ClearCoverBasic$181/mo.$108/mo.
August 11, 2021Chevrolet Impala LSShreveport33National GeneralCustom$181/mo.$146/mo.
May 18, 2021Honda Accord LXShreveport45AllstateBasic$268/mo.$191/mo.
May 17, 2021Infiniti Q50 BaseShreveport38GainscoCurrent$285/mo.$219/mo.
Using a comparison app to view quotes from multiple providers is the best way to find cheap car insurance in Louisiana.

Cheapest minimum coverage car insurance in Louisiana

The minimum required insurance coverage varies depending on your state laws. In Louisiana, drivers must have the following:
  • $15,000 bodily injury liability per person
  • $30,000 bodily injury liability per accident
  • $25,000 property damage liability per accident
Remember, the minimum insurance coverage is a requirement, not a recommendation. In some cases, minimum liability car insurance won’t cover all your expenses in the event of an accident. If you can afford to pay for more coverage, it’s generally a good idea to purchase a more comprehensive policy.
Here’s how much Jerry users pay for minimum liability car insurance in Louisiana:
Before Jerry
After Jerry
$2,857$1,839
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Additional coverages you might want to consider when shopping for car insurance in Louisiana

Risk factorCoverage to consider
Severe weatherThe biggest risks in Louisiana are hurricanes, tropical storms, and coastal flooding. Comprehensive insurance covers damage to your vehicle that happens as a result of these types of severe weather events.
Uninsured driversUninsured motorist protection helps cover any damages incurred as a result of an accident with a driver who doesn’t carry insurance.
Even though you only require minimum liability insurance to drive legally in Louisiana, purchasing additional coverage to protect you against state-specific risks is usually a good idea.

Best carriers for minimum coverage car insurance in Louisiana

Jumping behind the wheel without adequate insurance in Louisiana can result in serious consequences, including fines of up to $1,000, license and registration suspension, and even jail time.
Comparing rates with different insurers can help you find the most affordable coverage so that you don’t have to go without.
Here’s how much Jerry customers pay for minimum liability coverage with various carriers in Louisiana:
Insurance Company
Before Jerry
After Jerry
National General$2,687$1,647
Allstate$3,062$1,762
Progressive$2,785$1,834
Kemper$3,268$2,551

Cheapest full coverage car insurance in Louisiana

Securing more than just the minimum required coverage is usually a good idea. It provides peace of mind and better protects you financially.
Although full coverage costs more upfront, purchasing more coverage can protect you from the financial burden of an expensive accident—which means it could end up costing less in the long run.
Full coverage car insurance policies generally include:
If you decide that full coverage insurance is the best option for you, Jerry can help you save there, too. Here’s what Jerry users pay:
Before Jerry
After Jerry
$4,398$3,163
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Best carriers for full coverage car insurance in Louisiana

Getting quotes from multiple insurers can help make sure that you get the most affordable rate for the coverage you need. Here’s how much Jerry customers pay for full coverage car insurance with various carriers in Louisiana:
Insurance Company
Before Jerry
After Jerry
National General$4,119$2,865
Progressive$4,320$3,972
Full coverage insurance may cost more up front, but it offers greater financial protection and can save you a lot in the long run.

Cost to insure your car in Louisiana by age

Insurers value driving experience. The younger you are, the less experience you have—and this will likely be reflected in higher insurance premiums.
In Louisiana, drivers under the age of 25 are involved in a high number of traffic accidents—over 17,000 in 2019 alone, 162 of which were fatal. About 60% of teen crashes involve distracted driving, including passenger interaction, using a device, or singing or dancing to music.
This added risk is why insurers charge higher premiums to young drivers.
But if you’re a young driver, don’t despair. While you’re unlikely to enjoy the same low rates as your parents, you can still get cheap car insurance quotes by shopping around and maintaining a clean driving record.
No matter your age, quote shopping with Jerry is a good place to start. Here are the prices Jerry offers drivers by age:
Age Group
Before Jerry
After Jerry
18-20$3,143$2,195
21-24$2,811$1,923
25-34$2,656$1,820
35-44$2,731$1,713
45-54$2,521$1,727
55-64$2,283$1,587
65+$2,229$1,388
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Cost of insurance for drivers in Louisiana with a bad driving record

Drivers who have gotten into an accident, received a speeding ticket, or have been convicted of a DUI often pay higher car insurance rates.
The driver points from these violations remain on your record for at least three years and give the insurance company reason to label you a high-risk driver. It also justifies their higher premiums.
The good news is that Jerry can help you find a competitive and cheap car insurance policy even if your driving record isn’t squeaky clean.
Driving Violation
Before Jerry
After Jerry
Clean Record$3,295$2,324
DUI$3,000$1,884
Driving on Sus. License$2,865$1,941
Defective Equipment$3,187$2,350
Suspension$4,080$2,649
Speeding under 15$3,607$2,697
Failure to Obey Traffic Sign$4,200$3,072
Open Container$3,396$3,084
Other$4,225$3,328

Best carriers for drivers with infractions in Louisiana

Insurance Company
Before Jerry
After Jerry
National General$3,252$2,576
Kemper$3,621$2,676
Allstate$3,926$2,776
Progressive$3,706$2,856
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Cost of insurance for young drivers in Louisiana with a bad driving record

Young drivers with less-than-stellar driving records have “double-trouble” insurability status, which can make finding affordable rates extremely difficult.
This is because insurance companies must take on added risk to insure you. The more likely they are to have to pay out for a claim, the more they charge for your insurance premium.
Thankfully, Jerry can help young drivers with prior incidents find the right coverage for the best price.
Driving Violation
Before Jerry
After Jerry
Clean Record$3,804$2,785
Speeding under 15$4,166$3,240
Failure to Obey Traffic Sign$4,800$3,258
Defective Equipment$3,900$3,438
Other$5,676$4,389
If you’re looking for the most affordable insurance for a young driver with a not-so-great driving record in Louisiana, check out these top carriers.

Best carriers for young drivers with infractions in Louisiana

Insurance Company
Before Jerry
After Jerry
Allstate$3,544$2,277
National General$4,212$3,172
Kemper$4,505$3,625
Progressive$4,510$3,634
Young drivers are already deemed higher risk by insurers, and a moving violation only adds to this. Comparing rates from various providers can help find the most affordable premiums.
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Types of discounts that might be available to you in Louisiana

Never underestimate a good discount! If you want to find cheap car insurance quotes, be sure to take advantage of any car insurance discounts that are provided by insurance companies in Louisiana.
Here are some to keep an eye out for:
  • Customer loyalty (e.g., bundling, early renewal)
  • Demographic (e.g., good student, senior)
  • Driver affiliations (e.g., military, affinity)
  • Driving history (e.g., accident-free, safe driver)
  • Driver training (e.g., defensive driver course)
  • Equipment-related (e.g., anti-theft, new car)
  • Payment (e.g., auto-pay, paperless)
Discount typeWho is eligible?
Driver education discountLouisiana state law requires insurers to provide discounted premiums to drivers 50 and over who complete an approved defensive driving course.
Policy bundling discountPurchasing more than one policy with the same insurance company can net you savings of up to 12% or so on each one. The most common bundle is home and auto insurance.
Anti-theft discountIf your vehicle has an anti-theft system, you may be eligible for a discount on your comprehensive coverage, if you opt to purchase it.
Good student discountFull-time students under the age of 24 can receive savings on their insurance rates if they maintain an average of at least a B.
If you’re not sure which discounts might apply to you, worry not. Jerry can help you determine which discounts you qualify for, and it will automatically include them in real-time quote comparisons.
Most customers are eligible for some kind of discount on their premium, but you may need to ask your insurance company which ones you qualify for.

How much does it cost to insure my car make in Louisiana?

Louisiana drivers love the Nissan Altima, if the stats on the most popular cars are any indication. It might be due to the comfortable drive and good safety ratings—or it might be because insurance rates on cars like the Altima tend to be pretty reasonable.
Generally speaking, relatively inexpensive cars are typically the cheapest to insure since they cost less to repair in the event of an accident.
If you drive fewer miles, you may also pay less for insurance because you’re less likely to get into an accident.
Here’s what it costs to insure some popular car makes and models with and without Jerry:
Make / model
Before Jerry
After Jerry
BMW X3 Xdrive30I$1,650$612
BMW X5 3.0I$3,120$2,076
Chevrolet Cruze LT$2,438$1,944
Chevrolet Traverse LS$2,412$1,824
Chevrolet Silverado C1500 LT$3,600$2,772
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Cheapest car insurance in Louisiana by city

Just as car insurance rates vary by state, they can also vary by city and ZIP code. Drivers in cities tend to pay more than drivers in rural areas because urban centers have higher rates of accidents, thefts, and claims.
Louisiana rates are some of the highest in the country, which can largely be attributed to the huge percentage of drivers who are uninsured or underinsured.
About 13% of drivers in Louisiana don’t carry insurance at all, while another 40% only carry the absolute minimum. This leads to uninsured drivers getting into accidents and suing each other. And unfortunately, insured drivers are the ones who pay the price for this added risk through higher premiums.
That said, rates vary within Louisiana depending on a number of local factors. Here are the top 10 cheapest cities for car insurance in Louisiana:
City
Before Jerry
After Jerry
New Orleans
$3,439$2,566
Baton Rouge
$4,103$3,084
Lafayette
$3,229$2,428
Shreveport$3,112$2,050
Slidell$3,948$2,780
Metairie$2,666$2,131
Houma
$5,163$3,565
Lake Charles
$4,354$2,592
Kenner
$5,253$2,180
Monroe
$3,071$2,154

Additional ways to lower your car insurance

To get cheap car insurance, you may want to consider raising your deductible. When you file a claim, the deductible is the amount of money you have to pay out of pocket before your car insurance kicks in to cover the remaining balance. If you increase your deductible, this could lower your premium — but be aware that this means you’ll incur higher initial out-of-pocket costs in the event of an accident.
It’s also a good idea to update your car insurance to reflect any major life changes that have occurred since you received your last auto insurance quote. For example, if you’ve gotten married, you may be offered lower rates because married people are perceived to be safer drivers. Or if you’ve moved to a rural area, you may qualify for reduced rates because you’re less likely to get in an accident and file a claim.
It can be hard to keep track of your car insurance renewals while also juggling your own daily obligations. That’s why Jerry reassesses your premium every six months. At each renewal period, Jerry can help you make any relevant updates and ensure you get the lowest possible price for your coverage.
Get the lowest rate possible by choosing a vehicle with good safety ratings, driving safely, qualifying for discounts, and comparing rates with a smart tool like Jerry.
Want to find out if you’re overpaying? Let Jerry do the work for you.

Methodology

Unless otherwise specified, these estimates are based on drivers older than 30 who have good driving records. These are real people who have signed up with Jerry in the last six months.
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