Cheapest Car Insurance in Louisiana (March 2025)

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Cheapest Car Insurance in Louisiana (March 2025)

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Key Takeaways
  • Louisiana has a state minimum insurance of $15,000/$30,000/$25,000 liability coverage.
  • Louisiana drivers do not need UM/UIM or PIP coverage.

Louisiana has some of the highest car insurance rates in the nation. A litigious environment of excessive personal injury claims, plus a steady stream of uninsured drivers and traffic congestion, all spike the cost of what drivers in the Bayou State pay for premiums. Insurers pass these costs down to active policyholders, resulting in expensive premiums — so finding cheap car insurance in Louisiana can be a challenge.

The average cost of full coverage insurance in Louisiana is $360 per month. That’s 5.7% higher than the national average of $340. 

The state’s average minimum coverage costs $203 per month, according to a Jerry analysis. Louisiana law requires drivers to have a minimum of liability of $15,000/$30,000/$25,000 for their vehicles. Let’s take a closer look. 

Liability CoverageCoverage LimitsProtects Against
Bodily injury per person$15,000Accident-related injury your car causes to other drivers and passengers.
Bodily injury per accident$30,000The limit for bodily injuries caused by your car per crash.
Property damage per accident$25,000Property damage caused by your car per crash.

Louisiana does not require drivers to have coverage for uninsured/underinsured motorists (UM/UIM), but it could be a good idea to add this protection to your policy in case of an accident. In addition, Louisiana does not require drivers to carry personal injury projection (PIP), which helps pay for lost wages and medical expenses regardless who is responsible for an accident. 

Cheapest minimum coverage insurance in Louisiana

Prices for state minimum coverage vary quite a bit in Louisiana, as you can see from the quotes below.

Insurance Company
Avg Monthly Quote
Avg Annual Quote
Aspire Advantage $67 $806
Bluefire $138 $1,655
Progressive $176 $2,111
National General $198 $2,376
Bristol West $290 $3,486
Kemper $311 $3,733
Root $314 $3,766
Clearcover $317 $3,799
Last Updated Mar 23, 2025

If you have a loan or lease on your vehicle, the lender will require full coverage. You may also need gap insurance, which can help you pay off your loan if your car is totaled.

Cheapest full coverage insurance in Louisiana

Full coverage costs quite a bit more than state minimum coverage, but sometimes you’ll want to get it because you have to (as required by a lender) or because you want the peace of mind and extra protection. Check out some quotes from various insurers.

Insurance Company
Avg Monthly Quote
Avg Annual Quote
Trexis $180 $2,158
Safeco $191 $2,294
Aspire Advantage $198 $2,374
Aspen $216 $2,588
Commonwealth Insurance $262 $3,140
Gainsco $269 $3,232
Progressive $286 $3,435
Bluefire $301 $3,607
National General $355 $4,262
The General $382 $4,584
Last Updated Mar 23, 2025

Cheapest car insurance for young drivers in Louisiana

Younger drivers in Louisiana pay a lot more for insurance, as you can see from the table below.

Age Group
Avg Monthly Quote
Avg Annual Quote
18-20 $574 $6,889
21-24 $378 $4,540
Last Updated Mar 23, 2025

Cheapest liability-only policy in Louisiana for a 20 year old

Finding the cheapest rate is a critical step for younger drivers in Louisiana because you can stand to save a lot of money. Here are some quotes for a 20-year-old driver in Louisiana.

Insurance Company
Age
Avg Monthly Quote
Avg Annual Quote
Bluefire 20 $302 $3,630
Root 20 $381 $4,568
Progressive 20 $393 $4,722
National General 20 $469 $5,623
Kemper 20 $532 $6,378
Last Updated Mar 23, 2025

Cheapest full coverage policy in Louisiana for a 20 year old

You stand to save even more if you are a 20-year-old driver and shop around for the best rate, according to our data.

Insurance Company
Age
Avg Monthly Quote
Avg Annual Quote
Bluefire 20 $219 $2,630
Progressive 20 $546 $6,556
Bristol West 20 $759 $9,104
National General 20 $1,000 $11,999
Last Updated Mar 23, 2025

Average car insurance for mature drivers in Louisiana (25-54 years old)

Car insurance prices in Louisiana drop quite a bit as you go from 25 to 54 years old.

Age Group
Avg Monthly Quote
Avg Annual Quote
25-34 $300 $3,595
35-44 $267 $3,203
45-54 $245 $2,940
Last Updated Mar 23, 2025

Cheapest liability-only policy in Louisiana for a 36 year old

Let’s look at how much the average Jerry customer, who is 36 years old, could be quoted for a liability-only policy in Louisiana.

Insurance Company
Age
Avg Monthly Quote
Avg Annual Quote
Bluefire 36 $164 $1,974
Progressive 36 $166 $1,998
National General 36 $194 $2,329
The General 36 $199 $2,382
Bristol West 36 $251 $3,012
Last Updated Mar 23, 2025

Cheapest full coverage policy in Louisiana for a 36 year old

Here’s how much the average Jerry customers, aged 36, could be quoted for a full coverage policy.

Insurance Company
Age
Avg Monthly Quote
Avg Annual Quote
Bluefire 36 $286 $3,430
Root 36 $300 $3,601
Progressive 36 $316 $3,793
National General 36 $372 $4,462
Mendota 36 $389 $4,667
Bristol West 36 $630 $7,558
Kemper 36 $849 $10,190
Last Updated Mar 23, 2025

Average car insurance for older drivers (55+ years old)

The last age group that will see a decrease in their average quote are Louisianans who are 55-64 years old. Thereafter, drivers 65 and over would start seeing increases in their quotes.

Age Group
Avg Monthly Quote
Avg Annual Quote
55-64 $213 $2,553
65+ $204 $2,442
Last Updated Mar 23, 2025

Cheapest liability-only policy in Louisiana for a 65 year old

If you want a liability-only policy, check out these quotes for Louisiana drivers who are 65 years old.

Insurance Company
Age
Avg Monthly Quote
Avg Annual Quote
Bristol West 65 $127 $1,523
Kemper 65 $138 $1,656
Progressive 65 $139 $1,672
Bluefire 65 $140 $1,675
National General 65 $182 $2,190
Last Updated Mar 23, 2025

Cheapest full coverage policy in Louisiana for a 65 year old

Furthermore, here are the cheapest rates for a 65-year-old in Louisiana for full coverage.

Insurance Company
Age
Avg Monthly Quote
Avg Annual Quote
Progressive 65 $158 $1,893
National General 65 $261 $3,138
Bluefire 65 $408 $4,894
Bristol West 65 $560 $6,718
Last Updated Mar 23, 2025

Average car insurance for drivers with clean records in Louisiana

If you have no violations or claims, check out our data on what the average quote is and who the cheapest insurers are.

Avg Monthly Quote
Avg Annual Quote
$257 $3,087
Last Updated Mar 23, 2025
Avg Monthly Quote
Avg Annual Quote
Insurance Company
$132 $1,585 Aspen
$344 $4,129 Assurance America
$186 $2,228 Bluefire
$367 $4,401 Bristol West
$333 $3,997 Clearcover
$481 $5,768 Dairyland
$339 $4,073 Embark General
$67 $802 First Acceptance
$257 $3,086 Gainsco
$415 $4,980 Kemper
Last Updated Mar 23, 2025

Average car insurance for drivers with low credit scores in Louisiana

Louisiana drivers with a credit score of 750 or better get the lowest quotes for car insurance.

Credit Score
Avg Monthly Quote
Avg Annual Quote
550-659 $283 $3,394
660-750 $282 $3,380
<550 $292 $3,504
750+ $191 $2,298
Last Updated Mar 23, 2025

If you have a low credit score, these companies will give you the best rates if your score is less than 550.

Insurance Company
Credit Score
Avg Monthly Quote
Avg Annual Quote
Trexis <550 $80 $958
Aspen <550 $136 $1,635
Aspire Advantage <550 $198 $2,374
Bluefire <550 $202 $2,424
Progressive <550 $240 $2,878
Last Updated Mar 23, 2025

Cheapest car insurance for drivers with at-fault accidents in Louisiana

An accident on your record will result in higher rates, as demonstrated by the averages below.

At-fault Accident on Record
Avg Monthly Quote
Avg Annual Quote
$256 $3,076
Not At Fault $286 $3,432
At Fault With No Injury $324 $3,888
At Fault With Injury $289 $3,465
Last Updated Mar 23, 2025

Cheapest car insurance for drivers with at-fault accidents with no injury in Louisiana

Insurance Company
At-fault Accident on Record
Avg Monthly Quote
Avg Annual Quote
Bluefire At Fault With No Injury $241 $2,887
Progressive At Fault With No Injury $273 $3,273
National General At Fault With No Injury $328 $3,940
Commonwealth Insurance At Fault With No Injury $334 $4,008
Electric At Fault With No Injury $336 $4,028
Last Updated Mar 23, 2025

Cheapest car insurance for drivers with at-fault accidents with injury in Louisiana

Insurance Company
At-fault Accident on Record
Avg Monthly Quote
Avg Annual Quote
Bluefire At Fault With Injury $144 $1,730
Progressive At Fault With Injury $214 $2,565
National General At Fault With Injury $284 $3,407
Bristol West At Fault With Injury $333 $4,001
Kemper At Fault With Injury $684 $8,205
Last Updated Mar 23, 2025

Cheapest car insurance for drivers with a speeding ticket in Louisiana

A speeding ticket on your record will lead to higher rates, and the larger the speeding ticket, the more expensive your car insurance will become.

Violation Summary
Avg Monthly Quote
Avg Annual Quote
Speeding over 15 $481 $5,771
Speeding under 15 $257 $3,079
Last Updated Mar 23, 2025

If you have a speeding ticket on your record, getting quotes from various insurers could result in savings from what you’d be paying. Check out some insurers and their average quotes for drivers with a speeding ticket.

Insurance Company
Avg Monthly Quote
Avg Annual Quote
Aspire Advantage $53 $635
Commonwealth Insurance $167 $2,002
Dairyland $204 $2,444
Bluefire $240 $2,884
Progressive $245 $2,938
Clearcover $249 $2,984
National General $251 $3,010
The General $324 $3,893
Kemper $375 $4,498
Bristol West $380 $4,566
Last Updated Mar 23, 2025

Cheapest car insurance for drivers with a DUI in Louisiana

Getting a record for drinking and driving will cause your insurance rates to rise. If you have a DUI, it could be worthwhile to shop around for the best rates:

Insurance Company
Avg Monthly Quote
Avg Annual Quote
Progressive $175 $2,095
Bluefire $183 $2,197
National General $245 $2,938
Root $342 $4,100
Bristol West $385 $4,617
Last Updated Mar 24, 2025

Average Car Insurance for Drivers with Other Violations in Louisiana

Violation Summary
Avg Monthly Quote
Avg Annual Quote
Careless Driving $339 $4,071
Defective Equipment $202 $2,424
Driving on Sus. License $182 $2,185
Failure to Obey Traffic Sign $244 $2,926
Improper Passing $233 $2,792
Open Container $146 $1,752
Other $283 $3,393
Seat Belt $228 $2,738
Suspension $230 $2,760
Last Updated Mar 24, 2025

Are there penalties for not having car insurance in Louisiana?

Louisiana is a “no pay, no play” state, meaning people who drive without the state’s required liability coverage will face penalties, including a fine up to $1,000. Other penalities could result in having your driver’s license suspended, your car impounded and/or the car’s registration revoked. 

Is it worthwhile to have full coverage auto insurance in Louisiana?

The minimum state requirements are not likely to provide you sufficient financial protection if you’re in crash. Soaring repair costs and medical bills mean your policy’s dollars limit could quickly run out, and you are ultimately accountable for bills that exceed your policy’s limit.

Minimum coverage does cost less than full coverage, but what you save in the short term could end up heavily costing you in the long term. Considering the risk of nearly 12% of drivers on the roads in Louisiana being uninsured, it’s highly recommended that you have UM, comprehensive coverage and collision coverage. 

  • Comprehensive coverage helps pay for damages done to your car from debris, flooding, fire, vandalism, theft and other covered events. It usually comes with a deductible.
  • Collision coverage pays for the damage to your car that results from an accident regardless of whether you were found at fault. It usually comes with a deductible.

Tips for finding the best cheap car insurance rates in Louisiana

SIMPLIFY YOUR CAR INSURANCE IN MINUTES

Drivers in Louisiana can take several steps to find the best rate for your individual needs. Here are some tips:

  • Shop around and compare quotes from multiple insurers multiple times a year to find the best option (you don’t need to wait for your current policy to lapse to get this information).
  • Bundle policies for your home, life and auto insurance with the same insurer.
  • Choose higher deductibles to lower your premiums. 
  • Maintain a safe driving record.
  • Take a defensive driving course.
  • Pay your policy in full.

The research required to shop around for quotes from multiple insurers can be a bit of a hassle, but there is a more seamless way than doing it on your own. Enter Jerry, America’s first and only AllCar™ app. Jerry is a licensed broker that allows you to find the best deal for you in minutes, making car ownership easier.

Methodology

Data included in this analysis comes from policies that Jerry has quoted within the last 18 months. Jerry services 48 states and offers a range of insurance companies to choose from.

Over the past 12 months, 25% of drivers who switched with Jerry paid $85 or less per month. Not all customers find savings. Savings depend on state, policy features, coverage, driving history and other factors.

Editorial Note: This article was written by a paid member of Jerry’s editorial team. Statements in this article do not constitute advice or recommendations. You should consult with an insurance professional about your specific circumstances and needs before making any insurance decisions.