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 Coverage | Coverage Limits | Protects Against |
| Bodily injury per person | $15,000 | Accident-related injury your car causes to other drivers and passengers. |
| Bodily injury per accident | $30,000 | The limit for bodily injuries caused by your car per crash. |
| Property damage per accident | $25,000 | Property 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 | $133 | $1,601 |
| Progressive | $172 | $2,061 |
| National General | $201 | $2,409 |
| Bristol West | $288 | $3,461 |
| Clearcover | $295 | $3,540 |
| Root | $311 | $3,733 |
| Kemper | $311 | $3,733 |
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
|
|---|---|---|
| Safeco | $162 | $1,943 |
| Trexis | $180 | $2,158 |
| Aspire Advantage | $198 | $2,374 |
| Commonwealth Insurance | $262 | $3,140 |
| Progressive | $275 | $3,302 |
| Bluefire | $296 | $3,552 |
| National General | $359 | $4,302 |
| Aspen | $368 | $4,410 |
| The General | $382 | $4,584 |
| Gainsco | $388 | $4,654 |
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 | $540 | $6,475 |
| 21-24 | $382 | $4,586 |
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 | $325 | $3,900 |
| Progressive | 20 | $389 | $4,669 |
| National General | 20 | $508 | $6,100 |
| Kemper | 20 | $532 | $6,378 |
| Bristol West | 20 | $950 | $11,399 |
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 | $527 | $6,321 |
| Bristol West | 20 | $759 | $9,104 |
| National General | 20 | $1,005 | $12,061 |
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 | $303 | $3,634 |
| 35-44 | $267 | $3,207 |
| 45-54 | $244 | $2,923 |
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 | $167 | $2,003 |
| Progressive | 36 | $174 | $2,093 |
| National General | 36 | $193 | $2,314 |
| The General | 36 | $199 | $2,382 |
| Bristol West | 36 | $239 | $2,863 |
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 | $261 | $3,131 |
| Progressive | 36 | $338 | $4,058 |
| Mendota | 36 | $389 | $4,667 |
| National General | 36 | $404 | $4,849 |
| Bristol West | 36 | $612 | $7,346 |
| Kemper | 36 | $849 | $10,190 |
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 | $216 | $2,589 |
| 65+ | $197 | $2,365 |
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
|
|---|---|---|---|
| Progressive | 65 | $114 | $1,372 |
| Bristol West | 65 | $127 | $1,523 |
| Kemper | 65 | $138 | $1,656 |
| Bluefire | 65 | $140 | $1,675 |
| National General | 65 | $182 | $2,181 |
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 | $157 | $1,881 |
| National General | 65 | $267 | $3,208 |
| Bluefire | 65 | $408 | $4,894 |
| Bristol West | 65 | $560 | $6,718 |
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 |
|
Avg Monthly Quote
|
Avg Annual Quote
|
Insurance Company
|
|---|---|---|
| $235 | $2,817 | Aspen |
| $327 | $3,922 | Assurance America |
| $180 | $2,159 | Bluefire |
| $369 | $4,433 | Bristol West |
| $356 | $4,274 | Clearcover |
| $481 | $5,768 | Dairyland |
| $339 | $4,073 | Embark General |
| $67 | $802 | First Acceptance |
| $465 | $5,574 | Gainsco |
| $415 | $4,980 | Kemper |
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 | $3,397 |
| 660-750 | $273 | $3,278 |
| <550 | $301 | $3,606 |
| 750+ | $185 | $2,225 |
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 |
| Aspire Advantage | <550 | $198 | $2,374 |
| Bluefire | <550 | $200 | $2,405 |
| Aspen | <550 | $237 | $2,839 |
| Progressive | <550 | $237 | $2,847 |
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 | $3,067 | |
| Not At Fault | $284 | $3,408 |
| At Fault With No Injury | $327 | $3,927 |
| At Fault With Injury | $300 | $3,601 |
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 | $234 | $2,808 |
| Progressive | At Fault With No Injury | $270 | $3,241 |
| Assurance America | At Fault With No Injury | $290 | $3,480 |
| Commonwealth Insurance | At Fault With No Injury | $334 | $4,008 |
| Electric | At Fault With No Injury | $336 | $4,028 |
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 | $210 | $2,518 |
| National General | At Fault With Injury | $290 | $3,481 |
| Bristol West | At Fault With Injury | $359 | $4,303 |
| Kemper | At Fault With Injury | $684 | $8,205 |
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 | $470 | $5,642 |
| Speeding under 15 | $253 | $3,038 |
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 |
| Progressive | $236 | $2,832 |
| Bluefire | $246 | $2,952 |
| National General | $265 | $3,182 |
| The General | $324 | $3,893 |
| Root | $359 | $4,313 |
| Kemper | $375 | $4,498 |
| Bristol West | $376 | $4,516 |
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 | $142 | $1,701 |
| Bluefire | $172 | $2,063 |
| National General | $251 | $3,014 |
| Bristol West | $358 | $4,294 |
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 | $197 | $2,360 |
| Driving on Sus. License | $148 | $1,772 |
| Failure to Obey Traffic Sign | $248 | $2,970 |
| Improper Passing | $196 | $2,354 |
| Other | $282 | $3,386 |
| Seat Belt | $228 | $2,738 |
| Suspension | $230 | $2,760 |
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
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.
