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.
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:
Additional coverages you might want to consider when shopping for car insurance in Louisiana
Coverage to consider
The 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 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:
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:
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:
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)
Who is eligible?
Driver education discount
Louisiana state law requires insurers to provide discounted premiums to drivers 50 and over who complete an approved defensive driving course.
Policy bundling discount
Purchasing 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.
If 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 discount
Full-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:
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:
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.
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.