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Cheapest Car Insurance in Louisiana (Jul 2024)

Compare 50+ top insurance companies including Progressive, Travelers, AAA, Nationwide (and more!) to find the best and cheapest car insurance in Louisiana.
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R.E. Fulton
Licensed Insurance Agent —Senior Content Writer
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Reviewed by Josh Damico, Vice President Insurance Operations
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Edited by Lina Zhang, Licensed Insurance Agent, VP of Operations

How to find the cheapest car insurance quotes in Louisiana

Shopping for car insurance
in Louisiana can feel like navigating a treacherous swamp of high prices, shady companies, and tricky terminology. To make matters worse, there’s no single company that offers the cheapest car insurance coverage for all Louisiana drivers—which means
comparing quotes
is a can’t-miss step in the process. 
Working with an independent insurance broker like
Jerry
is the quickest way to reach your savings goals. For years, Jerry’s helped thousands of Louisiana drivers find the lowest rates from some of the best insurance companies in the state.  
Insurance CompanyPremium (monthly)CustomerCarInsurance Coverage
Nationwide
$178
Mazda CX-9 Touring
• 50,000/100,000 Liability
• Comp / Collision
Safeco
$78
Honda Pilot Touring
• 50,000/100,000 Liability
• Comp / Collision
Travelers
$170
Chrysler 300
• 100,000/300,000 Liability
• Comp / Collision
Allstate
$126
Chevrolet Suburban K1500
• State Minimum Liability
Clearcover
$106
Hyundai Elantra SE
• State Minimum Liability
coverageLast Updated Jul 20, 2024

Cheapest car insurance companies in Louisiana

To narrow down the best car insurance options for Louisiana drivers, Jerry conducted the largest insurance shopping survey in the nation. We asked over 15,000 policyholders from across the country to rate their insurance providers on cost, customer service, ease of shopping and renewal, and claims handling. 
While State Farm, Progressive, and Allstate hold the largest market share in Louisiana according to the Louisiana Department of Insurance, actual drivers in our survey gave the highest rates to slightly smaller companies like
Nationwide
,
National General
, Louisiana Farm Bureau, and Southern Farm Bureau. Out of the big-name players, only
Allstate
came through with a perfect five-star rating in every category. 
Here’s what the survey respondents had to say about the best car insurance companies in Louisiana:
Insurance companyDateCost rating (out of 5)What our customer said:
Sun Coast General
July 13, 2024
5
"No complaints. Prices were a little high but that’s due to my non-fault accident history. They were the cheapest of a...(read more)"
-Floyd
DirectAuto
July 12, 2024
5
"Go auto are one of the best insurance in Louisiana with very affordable prices! I recommend 100%"
-Steven
Allstate
July 11, 2024
3
"Could be better, was rammed by a Mack truck and the truck was faulted and they still dropped my car off the insurance...(read more)"
-Andre
Anchor General
July 9, 2024
5
"Nothing bad to say except getting a lot of requests about things I already turned in. Finally they fixed it and hopef...(read more)"
-Marguerite
Mercury
July 9, 2024
3
"Never had enquiry with them "
-Myra
coverageLast Updated Jul 21, 2024
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How'd we get these scores?

Jerry's experts conducted one of the largest car insurance surveys in the United States. We surveyed 15,000 policyholders, in all 50 states, over the span of 18 months. These policyholders hold insurance policies with 87 different insurance companies. We surveyed policyholders to gauge their satisfaction with their insurance carriers in: policy cost, customer service, buying and renewal experience, as well as claim experience. These scores were all reported by real customers of the insurance companies.
As you can see, there are a lot of variables to consider when picking an insurance company—which is why Jerry exists to simplify the process. Jerry is a
trusted insurance broker
with a user-friendly app and a customer service team of 100+ licensed insurance agents to help you find the cheapest rates at the best companies. 
Here’s how it works: download the app and create a driver profile (we’ll ask questions about your driving habits, vehicle, and insurance history). Once you request
car insurance quotes
, you’ll have less than a minute to wait before receiving a batch of real-time quotes from Louisiana’s best insurance companies. You can switch to a new policy right in the app!

Minimum car insurance requirements for liability and full coverage in Louisiana

Louisiana’s car insurance laws
require all drivers to buy liability insurance. Full coverage car insurance, which includes collision and comprehensive insurance in addition to state-mandated liability coverage, is technically optional under Louisiana law—but most drivers choose to buy it.

Cheapest minimum liability coverage in Louisiana

In Louisiana, every driver must maintain 15/30/25 liability limits. That means that every insurance policy includes at least the following: 
These two types of coverage ensure that your insurance company will pay for other drivers’ medical and vehicle repair expenses if you’re at fault in an accident.
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Steve (20 years old)
coverageCoverage
State Minimum
locationRobeline, LA
carFord F150 Supercrew
$159
per month
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Maurice (66 years old)
coverageCoverage
State Minimum
carHyundai Sonata SE
$140
per month
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Jayden (51 years old)
coverageCoverage
State Minimum
carChevrolet Suburban K1500
$126
per month
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Sue (33 years old)
coverageCoverage
State Minimum
locationAlexandria, LA
carMini Cooper S
$241
per month
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Tony (43 years old)
coverageCoverage
State Minimum
locationEros, LA
carBMW 550 i
$136
per month

Do you need more than the minimum liability insurance coverage in Louisiana? 

Think of Louisiana’s minimum liability coverage as the start—not the end—of your insurance shopping process. 
While buying state minimum coverage will keep you in compliance with the law, it won’t do much to protect your wallet in the event of a crash. 
Remember, liability insurance covers damages and medical bills that you’re responsible for. The average hospital stay following a car accident costs close to $60,000, while the average car on the road is worth about $48,000. 
A single serious accident could saddle you with liability costs well over $100,000—well beyond the liability limits of a minimum coverage policy! And because
Louisiana's car accident laws
allow drivers to file personal injury lawsuits for up to a year after an accident, your liability will extend long past the actual incident. 
The bottom line: Aim for at least 50/100/50 liability limits on your policy. If you have young drivers on your policy or want to secure the highest level of coverage, go with 100/300/100. 
Lower my car insurance too!

Cheapest full coverage Louisiana auto insurance quotes

Another major drawback of a liability-only insurance policy: it won’t protect your vehicle. Only drivers with
full-coverage car insurance
can submit insurance claims for physical damage to their own cars.  
Full coverage isn’t a technical term, but it usually refers to policies that include
collision coverage
and
comprehensive coverage
on top of basic liability. 
  • Collision insurance pays for damage to your vehicle caused by any kind of crash, from a seven-car pileup to a single-car rollover or a collision with a telephone pole. Collision coverage can even pay if your car’s damaged in an encounter with a gnarly pothole—and since 23.3% of Louisiana’s roads are in poor condition, it’s a worthwhile investment for most drivers.
  • Comprehensive insurance pays for damage caused by something other than a collision. This typically includes vandalism, theft, and severe weather—check your policy details to be sure of what your plan covers! Comprehensive coverage can also come into play if your car is stolen—good news for drivers in
    New Orleans
    , where auto theft is at the highest rate it’s been in over a decade.  
Full coverage insurance isn’t required by law, but it is required by lenders. If you
lease or buy a car
, you’ll need to carry collision and comprehensive insurance until your lease is up or your loan’s paid off. 
While full coverage costs more than basic liability, Jerry can help you balance your coverage needs with your budget! 
Insurance CoverageInsurance CompanyPremium (monthly)CustomerCar
• 50,000/100,000 Liability
• Comp / Collision
Progressive
$259
Ford F150 Supercrew
• 50,000/100,000 Liability
• Comp / Collision
Nationwide
$178
Mazda CX-9 Touring
• 100,000/300,000 Liability
• Comp / Collision
Safeco
$135
Buick Regal CXL
• State Minimum Liability
• Comp / Collision
Allstate
$144
BMW 328 i
• State Minimum Liability
• Comp / Collision
Clearcover
$277
Infiniti G37
coverageLast Updated Jul 21, 2024

Average rates for minimum liability coverage and full coverage car insurance in Louisiana

A full coverage car insurance policy costs Louisiana drivers an average of $3,321 per year or $277 per month. For drivers who stick to the state requirements with only minimum liability, car insurance costs $1,846 per year or $154 per month, on average.
But
car insurance averages
only tell part of the story—and they’re not always a good guide to finding your best insurance rate. Every driver is different, and everything from your age and gender to your credit score, driving record, insurance history, and vehicle type could put your rates above or below the state average. 

Louisiana car insurance: Additional coverages

Car insurance doesn’t end with liability, collision, and comprehensive coverage. Many drivers purchase additional coverage, such as: 
  • Gap insurance
    , which covers the difference between your outstanding loan balance and your insurance payout if your financed car is totaled. 
  • MedPay
    , which helps to offset medical bills and rehabilitation costs for you or your passengers after an accident.
  • Non-owner car insurance
    , which provides you with liability coverage while driving cars you don’t own.
  • Personal injury protection (PIP)
    , which pays for medical care, rehabilitation, lost wages, and funeral benefits for you and your passengers after an accident. 
  • Rental reimbursement coverage
    , which covers part or all of the cost of a rental car if your primary vehicle is being repaired after a covered claim.
  • Towing and labor coverage
    , also known as
    roadside assistance
    , which offers services like towing, battery jumps, and lockout help.
  • Uninsured/underinsured motorist coverage
    , which pays for medical treatments and repairs if you’re hit by an uninsured or underinsured motorist.
While none of these optional coverages are required by law, most drivers choose to add one or more to their policy for added protection—and many add-ons won’t significantly increase your premium.

Car insurance premium by rating factors

Remember—every driver is different, and every insurance company uses a whole slew of rating factors to
calculate your car insurance premium
.  
  • Your age and demographics: Teens and other new drivers pay a higher rate for coverage than middle-aged drivers—and so do seniors over age 70. In Louisiana, gender can also affect premiums. 
  • Your credit score: Research shows that drivers with poor credit file more claims. They also pay approximately 97% more than drivers with excellent credit—for the same coverage. 
  • Your driving record and claims history: Causing an accident, committing a violation, filing a claim, or letting your insurance lapse can all lead to higher premiums. 
  • Your driving habits: Louisiana drivers commute about 25 minutes per day—close to the national average. If you drive more or less than that, you’ll see your rates reflect the added (or lessened) risk of an accident.
  • Your location: City zip codes carry a higher risk of accidents, theft, vandalism—-and insurance claims. That’s why urban drivers pay more, and rates can vary within a single city. 

How Do Different Factors Impact Your Car Insurance Costs in Louisiana?

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Allowed (with applicable limitations): Gender, age, driving experience, credit history, education, occupation, employment status, marital status, zip code, insurance history
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Prohibited (or effectively prohibited): Louisiana currently does not disallow any common insurance rating factors when calculating insurance premiums.
Learn more abut the car insurance rating factors in Louisiana:

How to find cheap Louisiana car insurance if you’re a high-risk driver

The occasional speeding ticket might add a surcharge to your insurance policy, but drivers with multiple violations are at risk of earning the “high-risk” label from their insurance company. 
Here’s how to navigate car insurance shopping if your Louisiana driving record is less than perfect.

Cheapest car insurance for Louisiana drivers with a speeding ticket

Louisiana speeding tickets
come in four categories: 
  • 1 – 9 mph over the speed limit: $115 – $285 in fines
  • 10 – 14 mph over the speed limit: $215 – $385 in fines
  • 15 – 20 mph over the speed limit: $240 – $410 in fines
  • 21+ mph over the speed limit: Over $240 in fines and possible license suspension
Drive fast enough—or with enough careless lane changes and disruptive actions—and you risk
Louisiana's reckless driving charge
, which carries base penalties of up to $200 in fines and up to 90 days in jail. 
Any type of speeding ticket can raise your insurance rates, typically by an average of 39%. That higher charge will usually stay on your policy for three to five years—but that doesn’t mean you can’t find savings in the meantime.
Speeding TypeInsurance CompanyPremium (monthly)CustomerInsurance Coverage
Speeding 6-10
Allstate
$188
• State Minimum Liability
Speeding 11-15
National General
$164
• State Minimum Liability
coverageLast Updated Jul 21, 2024

Over 3,500,000 customers and counting

We love saving our customers money. Turns out, they love it too! Here's what they have to say about their switch with Jerry:
Progressive
Very nice and reasonable
Jarmen
National General
Easy and fast!
Kevin
Kemper
Kemper has been great to me
Daina
Allstate
Allstate takes care of their customers and makes them pay proper
Samuel

How to find cheap Louisiana auto insurance after a DUI

Under
Louisiana’s DUI laws
, just one instance of driving under the influence could rack up thousands of dollars in fines, legal costs, and increased insurance premiums. The average rate increase after a DUI in Louisiana is 64%, but you can expect even higher increases if you’re convicted multiple times. 
Drivers with DUIs tend to pay a lot more for car insurance—but you don’t have to resign yourself to unbearable premiums. Some insurers, like Progressive, give a DUI far less weight when calculating premiums, and Jerry can help you find the best rates based on your record.
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Michael (31 years old)
DUI
coverageCoverage
State Minimum
carChevrolet Silverado C1500
$167
per month
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Francis (60 years old)
DUI
coverageCoverage
State Minimum
carChevrolet Suburban C1500
$175
per month
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Walter (32 years old)
DUI
coverageCoverage
State Minimum
carDodge RAM 1500 ST
$237
per month
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Carlos (45 years old)
DUI
coverageCoverage
50,000 per person
100,000 per accident bodily injury
Comp / Collision
$157
per month
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Clearcover
Celia (31 years old)
DUI
coverageCoverage
State Minimum
locationDry Prong, LA
carToyota Highlander Limited
$122
per month
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Josie (43 years old)
DUI
coverageCoverage
State Minimum
carCadillac CTS Performance Collection
$250
per month

Louisiana SR-22 insurance

A DUI is just one way to get an
SR-22 filing requirement in Louisiana
. This document, which acts as a certificate of financial responsibility proving that an individual carries car insurance, is required for high-risk drivers with a serious history of violations. If your driving privileges were suspended after a violation, filing an SR-22 is a key step in the
Louisiana license reinstatement process
If you no longer have a car, you’ll still need to file an SR-22 to get your license back. In that situation, you’ll need to purchase
non-owner SR-22 insurance
An SR-22 isn’t the end of the world, but not all insurance providers work with them—and those who do may give you a sky-high rate. Jerry can help drivers with SR-22 requirements navigate the market and find providers who are willing to give fair rates to drivers working to improve their records.

How to find cheap car insurance in Louisiana after an at-fault accident

Your rates will also go up after an at-fault accident—but not all companies will raise them by the same amount. GEICO has the highest average rate increase after an accident at a whopping 64%, while State Farm and Travelers policyholders tend to see lower rate spikes. 
But don’t worry. As usual, you can keep your rates low by comparing quotes from different providers and switching to a policy that fits your new profile.
Accident TypeInsurance CompanyPremium (monthly)CustomerInsurance Coverage
At Fault With Injury
Progressive
$366
• 50,000/100,000 Liability
At Fault With No Injury
Nationwide
$94
• 30,000/60,000 Liability
Not At Fault
Mercury
$158
• 50,000/100,000 Liability
• Comp / Collision
At Fault With No Injury
Clearcover
$106
• State Minimum Liability
At Fault With Injury
National General
$477
• State Minimum Liability
• Comp / Collision
coverageLast Updated Jul 21, 2024

FAQs

No. No-fault states, like New York and Michigan, require all drivers to carry “no-fault” personal injury protection (PIP) insurance, which covers medical expenses for each driver regardless of fault. This simplifies the process of getting coverage for hospital bills after an accident—rather than going through a stranger’s liability insurance, you’ll get coverage directly through your own company! 
Louisiana doesn’t require no-fault insurance, but you can still purchase it and reap the benefits.
In Louisiana (as elsewhere), “full-coverage car insurance” typically refers to a policy that includes collision and comprehensive insurance on top of basic liability.
No—Louisiana insurance companies require a
valid driver’s license
to buy a policy. But in some unique cases, such as an elderly driver whose license has expired, it’s possible to designate a licensed driver as the main driver on your policy to maintain your legal coverage requirements. 
Check out Jerry’s
guide to car insurance without a license
for more information.
Liability-only car insurance is the simplest (and cheapest) kind of policy you can buy. It’s also the most dangerous. Louisiana's 15/30/25 liability limits aren’t enough to cover most drivers’ liability obligations after an accident. 

Cheapest auto insurance after other violations in Louisiana

Speeding tickets, accidents, and DUIs aren’t the only way to earn the “high-risk” designation from your insurance company. No matter what violations show up on your Louisiana driving record, Jerry can help you save.
ViolationInsurance CompanyPremium (monthly)CustomerCarInsurance Coverage
Careless Driving
Progressive
$679
Nissan Maxima 3.5S
• No Coverage Liability
• Comp / Collision
Defective Equipment
Safeco
$307
RAM 1500 SLT
• State Minimum Liability
• Comp / Collision
Driving on Sus. License
Bristol West
$508
Dodge Durango R/T
• 25,000/50,000 Liability
• Comp / Collision
DUI
Allstate
$175
Chevrolet Suburban C1500
• State Minimum Liability
Failure to Obey Signal
Clearcover
$118
Honda Accord LX
• State Minimum Liability
Illegal Turn
Bristol West
$387
Dodge Grand Caravan GT
• State Minimum Liability
• Comp / Collision
Improper Passing
Progressive
$679
Nissan Maxima 3.5S
• No Coverage Liability
• Comp / Collision
Leaving scene of an Accident/Hit and Run
National General
$131
Ford Expedition Eddie Bauer
• State Minimum Liability
Open Container
Progressive
$409
Chevrolet Cruze LS
• State Minimum Liability
• Comp / Collision
Speeding Violation-Major
Bristol West
$660
Nissan Maxima 3.5S
• No Coverage Liability
• Comp / Collision
Speeding Violation-Minor
Clearcover
$110
Toyota Tundra Crewmax 1794
• State Minimum Liability
Suspension
Allstate
$215
Jeep Patriot Limited
• State Minimum Liability
Wrong Way/Wrong Lane
Progressive
$159
Toyota Camry LE
• State Minimum Liability
Ticket Violation Not Listed
Kemper
$135
Mazda MX-5 Miata
• State Minimum Liability
coverageLast Updated Jul 21, 2024

How to find cheap Louisiana car insurance based on your insurance history

Insurance companies don’t just look for a clean driving record when reviewing applicants—they also want to see a continuous coverage history with no breaks or gaps. 
Whether you forgot to renew your policy, stopped paying your bill, or just spent a few years relying on public transportation,
any car insurance lapse
will lead to higher rates down the road. If you’re getting insurance for the first time in a long time (or ever), be prepared to pay a little more until you’ve laid down a strong history of on-time payments and
continuous coverage
That’s where Jerry offers an added benefit: in addition to helping you find the best fit for your profile, Jerry gives eligible drivers the option to turn on payment reminders in the app so you never miss a payment. You’ll also receive a renewal reminder and new quotes to compare when it’s almost time to re-up your coverage. 
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Lillie (20 years old)
Currently Insured
coverageCoverage
50,000 per person
100,000 per accident bodily injury
Comp / Collision
locationRobeline, LA
carFord F150 Supercrew
$259
per month
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Marvin (31 years old)
Not Currently Insured
coverageCoverage
State Minimum
locationAlexandria, LA
carChrysler 200 Limited
$180
per month
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Verna (38 years old)
Currently Insured
coverageCoverage
50,000 per person
100,000 per accident bodily injury
Comp / Collision
carMazda CX-9 Touring
$178
per month
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Lucile (29 years old)
Not Currently Insured
coverageCoverage
50,000 per person
100,000 per accident bodily injury
Comp / Collision
carChevrolet Sonic LT
$429
per month
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Gainsco
Lida (51 years old)
Currently Insured
coverageCoverage
30,000 per person
60,000 per accident bodily injury
Comp / Collision
carHyundai Elantra SEL
$337
per month
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Lily (60 years old)
Not Currently Insured
coverageCoverage
State Minimum
carNissan Sentra S
$283
per month

How to find cheap Louisiana car insurance with a low credit score

All major car insurance companies will run a soft credit check and use something called a
“credit-based insurance score”
when evaluating your application and setting your rates. Drivers with good credit (700 or above) pay less, on average, than drivers with poor credit. 
Bad credit doesn’t just suggest a history of unpaid bills; studies actually show that drivers with poor credit tend to file more insurance claims. 
Credit RangeInsurance CompanyPremium (monthly)CustomerCarInsurance Coverage
> 750
Progressive
$68
Honda Civic LX
• 50,000/100,000 Liability
660 - 750
National General
$135
Hyundai Santa FE Limited
• 100,000/300,000 Liability
• Comp / Collision
550 - 659
Bristol West
$374
Acura TL
• 50,000/100,000 Liability
• Comp / Collision
< 550
National General
$231
Nissan Altima S
• State Minimum Liability
coverageLast Updated Jul 21, 2024

How to find cheap auto insurance in Louisiana for your age

Over the course of the average driver’s life, the cost of car insurance starts—and ends—high. Teen drivers between ages 16 and 19 pay the highest rates, but most drivers see their insurance costs go up again in their mid-70s.  

The best car insurance companies in Louisiana for young drivers

Like all
new drivers
, teenagers pay more for car insurance than drivers with a proven record of safe driving. But for teens, the costs are even higher thanks to statistics that show a higher rate of accidents, crash fatalities, and violations among drivers aged 19 and below.
Those increased rates are even higher for male drivers, who show a higher rate of unsafe behaviors like distracted driving and skipping the seatbelt. 
The good news: young drivers can save by staying on a family policy, qualifying for good student discounts, and using usage-based insurance tools—and by shopping with Jerry, of course! 
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Eula (20 years old)
coverageCoverage
50,000 per person
100,000 per accident bodily injury
Comp / Collision
locationRobeline, LA
carFord F150 Supercrew
$259
per month
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Effie (24 years old)
coverageCoverage
State Minimum
locationFarmerville, LA
carNissan Altima 2.5
$424
per month
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Lucinda (23 years old)
coverageCoverage
State Minimum
carDodge Charger SXT
$371
per month
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Carl (24 years old)
coverageCoverage
50,000 per person
100,000 per accident bodily injury
Comp / Collision
carFord Expedition Limited
$414
per month
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Susan (22 years old)
coverageCoverage
50,000 per person
100,000 per accident bodily injury
carChevrolet Tracker ZR2
$406
per month
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Clearcover
Justin (24 years old)
coverageCoverage
100,000 per person
300,000 per accident bodily injury
Comp / Collision
carKIA Optima EX
$425
per month

The best car insurance companies for senior drivers in Louisiana

Many seniors actually pay less for car insurance than middle-aged drivers. Between ages 55 and 75, you’ll likely see the lowest rates of your whole driving career thanks to decades of experience. 
But around your mid-70s, your rates will start to go up because of increased rates of driver error and a much higher risk of accident fatalities. Even good drivers tend to see higher risks on the road when they reach this age. 
Enter Jerry, which has helped thousands of seniors find the best
car insurance for drivers over 55
.
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Addie (65 years old)
coverageCoverage
State Minimum
locationBoutte, LA
carHyundai Sonata Sport
$77
per month
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Arthur (69 years old)
coverageCoverage
50,000 per person
100,000 per accident bodily injury
Comp / Collision
carHonda Pilot Touring
$78
per month
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Jeffrey (65 years old)
coverageCoverage
State Minimum
locationDes Allemands, LA
carToyota Camry LE
$101
per month
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Norman (83 years old)
coverageCoverage
50,000 per person
100,000 per accident bodily injury
Comp / Collision
carToyota Corolla L
$248
per month
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Douglas (65 years old)
coverageCoverage
50,000 per person
100,000 per accident bodily injury
Comp / Collision
carNissan Pathfinder S
$109
per month
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Clearcover
Seth (78 years old)
coverageCoverage
100,000 per person
300,000 per accident bodily injury
Comp / Collision
carJeep Cherokee Sport
$307
per month

Over 3,500,000 customers and counting

We love saving our customers money. Turns out, they love it too! Here's what they have to say about their switch with Jerry:
Progressive
They have very great service!
Krissy
Allstate
Great car insurance
Danny
National General
Very happy with National Generals service. Was skeptical at first but they are great!
Jessica
Bristol West
Service was good
Mandy

How to find car insurance discounts in Louisiana for your motor vehicle

We’ll keep it simple: the more your vehicle costs to repair, the more it costs to insure
This means that you’ll pay a higher rate if you drive: 
  • A brand-new vehicle
  • A luxury car
  • A sports car
  • A hybrid or electric vehicle
  • Any vehicle with hard-to-source components
If you drive one of Louisiana’s most popular models, you’ll likely see more moderate insurance rates, thanks to the wide availability of parts and lower cost of repairs. 
Matthew Boudreaux, Public Information Director at the Louisiana Department of Motor Vehicles, says that the humble
Honda Accord
is the most popular car in the Pelican State, followed by the
Toyota Camry
and
Nissan Altima
. But many Louisiana drivers prefer trucks like the
Ford F-150
,
Chevy Silverado
, or
GMC Sierra 1500
.
Popular CarInsurance CompanyPremium (monthly)CustomerInsurance Coverage
Honda Accord SportProgressive
$341
• 50,000/100,000 Liability
• Comp / Collision
Toyota Camry LEAllstate
$101
• State Minimum Liability
Nissan Altima 2.5Progressive
$123
• 100,000/300,000 Liability
• Comp / Collision
Honda Accord EXNational General
$283
• State Minimum Liability
coverageLast Updated Jul 19, 2024

Is it cheaper to insure a new car or a used car?

In general, new cars cost more to insure than older models. That’s because new cars have a higher value and are more likely to come with brand-new tech that’s costly to repair or replace. 
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Clarence (48 years old)
2005 Jeep Grand Cherokee Laredo
coverageCoverage
State Minimum
$82
per month
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Jayden (51 years old)
1999 Chevrolet Suburban K1500
coverageCoverage
State Minimum
$126
per month
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Nancy (44 years old)
coverageCoverage
50,000 per person
100,000 per accident bodily injury
Comp / Collision
$305
per month
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Joel (31 years old)
2005 Chevrolet Silverado C1500
coverageCoverage
50,000 per person
100,000 per accident bodily injury
Comp / Collision
$269
per month
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Clearcover
Billy (54 years old)
2005 Lexus RX 330
coverageCoverage
100,000 per person
300,000 per accident bodily injury
Comp / Collision
$299
per month
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Gainsco
Adrian (46 years old)
2000 Ford F250 Super Duty
coverageCoverage
25,000 per person
50,000 per accident bodily injury
locationFarmerville, LA
$74
per month

How to find cheap car insurance in Louisiana in your city

Paying for car insurance is no cakewalk in
the Big Easy
. Major cities like New Orleans,
Shreveport
,
Baton Rouge
, and
Lafayette
have some of the highest average car insurance rates in Louisiana. But in smaller towns and rural areas (think
Tickfaw
or
Fort Polk South
), rates tend to be lower. 
Take a look at the table below to see what you could be saving across the state of Louisiana:
CityCustomerInsurance CompanyPremium (monthly)CarInsurance coverage
Harvey, LA
Lucille, 64
Progressive
$160
Hyundai Santa FE SE
• 50,000/100,000 Liability
• Comp / Collision
Slidell, LA
Sadie, 69
Safeco
$78
Honda Pilot Touring
• 50,000/100,000 Liability
• Comp / Collision
Baton Rouge, LA
Gabriel, 38
Nationwide
$94
Mazda CX-9 Touring
• 30,000/60,000 Liability
Metairie, LA
Jayden, 51
Allstate
$126
Chevrolet Suburban K1500
• State Minimum Liability
Lake Charles, LA
Janie, 65
Clearcover
$106
Hyundai Elantra SE
• State Minimum Liability
New Orleans, LA
Corey, 32
National General
$268
Ford Explorer Limited
• State Minimum Liability
Baker, LA
Sophia, 28
Bristol West
$230
Chevrolet Tahoe C1500 LT
• State Minimum Liability
New Orleans, LA
Jon, 51
Dairyland
$339
Hyundai Elantra SEL
• 30,000/60,000 Liability
• Comp / Collision
Kenner, LA
Lillian, 27
The General
$153
Lincoln MKX
• 25,000/50,000 Liability
• Comp / Collision
Lake Charles, LA
Dale, 27
Kemper
$449
Dodge Charger SXT
• 50,000/100,000 Liability
coverageLast Updated Jul 21, 2024

How to lower the cost of car insurance in Louisiana

We’ve broken down all the biggest factors that go into determining your car insurance rates in Louisiana. Now it’s time to put the reins back in your hands and work on lowering that cost. 
Here’s how you can
hack your car insurance rates
in Louisiana: 
  1. Comparison shopping: It might not be glamorous, but comparing quotes is the #1 way to save money on car insurance—and Jerry makes it simple. 
  2. Bundling insurance products: If you own a home,
    a home and auto insurance bundle
    could save you an average of 15% or more on both policies. 
  3. Looking for
    car insurance discounts
    : Bundling isn’t the only way to save. Check with your insurer for discounts based on payment habits, memberships, and more. Military members in Louisiana are entitled to a 25% discount from any car insurance company! 
  4. Increasing your deductible: In a pinch, raising your full coverage deductible could shave a small amount off of your usual costs. 
  5. Changing your payment methods: If you can pay your annual premium in full, most auto insurance companies will give you a discount. 
  6. Taking a defensive driving course
    : Check with your insurance company to see if you’re eligible for a discount if you enroll in and complete an approved defensive driving course. 

Why is car insurance so expensive in Louisiana?

Auto insurance rates are on the rise everywhere—but Louisiana is one of the most expensive states in the country for car insurance. Here’s why: 
  • Higher motor vehicle fatality rates: In 2021, the Department of Transportation reported 887 fatal crashes in Louisiana resulting in 972 deaths. That’s 21 deaths per 100,000 residents—over twice the national average. 
  • More drivers per capita: Louisiana has a higher-than-average number of licensed drivers, leading to a higher risk of accidents.
  • More expensive medical care: According to a 2022 report from Forbes Advisor, Louisiana has the second-highest healthcare costs of any state. Steep medical bills lead to higher liability insurance costs. 
  • Uninsured drivers: As of 2019, 11.7% of Louisiana drivers didn’t carry car insurance, raising the cost of coverage for everyone else.

FAQs

Car insurance costs slightly more than the national average auto insurance rate in Louisiana. In 2023, Jerry’s research found that Louisiana drivers were paying ${dynamic} per year for a minimum coverage policy and ${dynamic} per year for a full-coverage policy. For comparison, the national average insurance cost was $1,672 per year for a full-coverage policy.
Louisiana’s minimum auto insurance is $15,000/$30,000/$25,000 of liability insurance, as required by state law.
Car insurance typically
follows the car, not the driver
, in Louisiana. Personal injury protection or medical payments coverage follow the driver, but most other standard coverage—including liability, collision, and comprehensive coverage—follow the insured vehicle.
No one insurance company offers the cheapest rates for every driver. Premiums vary based on driver profile, driving record, vehicle, and more—so the cheapest car insurance company for one person might be very expensive for another.

Methodology

The Insurance Research Team analyzes insurance products and services to drive insights and help consumers make informed purchase decisions. 
Insurance research: We analyzed over 25 million car insurance quotes; conducted the largest insurance shopping survey (over 15,000 customers surveyed and 85 carriers reviewed in the past 18 months). 
We surveyed insurance policyholders for their experience with their insurers in the following areas: (1) insurance cost (2) customer service (3) insurance buying experience (4) insurance renewal experience (5) claim experience. In addition, we asked people what they like about their insurers and what areas in which their insurers could improve. The driver characteristics used in calculating average rates for auto insurance include: single driver, single car, currently insured, clean driving record.  
For the quotes and sold policies included in this article, please note that personal information has been hidden. Not all customers find savings. 
Team: The team consists of licensed insurance agents, insurance industry veterans, and data scientists.

Meet our Experts

avatar
R.E. Fulton
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Licensed Insurance Agent —Senior Content Writer
R.E. Fulton is an expert insurance writer specializing in car ownership topics from car shopping and loan advice to insurance and repair guides. R.E.’s mission is to create unique and accessible content that helps readers to become more successful and independent car owners. R.E. has written and edited over 900 high-performing articles for Jerry, with an average of 1 million+ views.
As a senior writer on Jerry’s editorial team, R.E. draws on over 10 years of experience as a professional writer and digital publishing specialist. Prior to joining Jerry’s editorial team in 2021, R.E. worked as a writing coach at Columbia University, the Rochester Institute of Technology (RIT), and the University of Rochester. They serve as a managing editor for peer-reviewed history publication Nursing Clio, where their work has appeared regularly since 2015.
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Lina Zhang
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Licensed Insurance Agent
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Licensed in 50 states and Washington DC
Lina Zhang is Vice President of Operations at Jerry. She helped to found Jerry in order to take the confusion and mystery expenses out of car ownership and help drivers achieve financial success. Leading a global team responsible for operations, talent acquisition, legal, and content, Lina has been a key contributor to the AllCar™ app’s 10x growth in its first year of operation. Prior to Jerry, Lina and her Jerry co-founders, Art Agrawal and Musawir Shah, created YourMechanic, the largest on-demand car repair services provider. In one year, Lina built and scaled YourMechanic operations from just five markets to more than 50. The trio left YourMechanic to incubate Jerry at Y Combinator in 2017. Lina’s previous roles include intellectual property attorney at Morrison & Foerster LLP and a biomedical researcher at Stanford University.
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Josh Damico
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Head Of Insurance Operations
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18+ Years Experience in Insurance
Josh Damico is Jerry’s vice president of insurance operations and a licensed insurance professional with nearly two decades of experience in the industry. Previously, Josh held executive roles at Geico, where he had vast regional oversight and leadership opportunities.  He holds a bachelor’s degree in business administration and management from Medaille College, and has appeared on news channels including FOX and CBS to offer insurance expertise and tips to drivers across the country. His work has appeared in Business Insider, Kelley Blue Book, and Digital Insurance and been quoted in The Balance, GOBankingRates, and Inspiring Workplaces.
*Illustration only. For all the pricing information presented in this article (including various tables), please note that not all customers find savings and the information is for illustrative purposes only. Savings depend on type of car, location, policy features, driving history and other factors. Drivers who switch through Jerry save over $70/month on average.