Car Insurance in Louisiana

Find out if you're getting ripped off on your car insurance in less than two minutes.
Find insurance savings (100% Free)
No long forms · No spam · No fees
4.7
App rating
25M
Insurance Quotes
900K+
Happy users
$15M+
Savings found every month
With many uninsured drivers and a higher-than-average DUI rate, Louisiana has some of the highest rates for car insurance in the country. Despite that, Louisiana drivers can find ways to save by shopping with Jerry.
From Mardi Gras is New Orleans to LSU football games in Baton Rouge, Louisiana residents know how to have a good time. Unfortunately, Louisiana’s car insurance rates are not as enjoyable. Because of a high incidence of accidents and inclement weather, Louisiana residents pay high premiums.
However, location-related factors are just one aspect used by carriers to determine your car insurance rates. They will also look at your age, credit history, and driving record, among other considerations.
Fortunately, Jerry can make saving money on car insurance quick and easy! Jerry is a car super app that will save you time and money when shopping for car insurance. Sign-up in seconds, and Jerry will show with quotes from over 50 top insurance providers. The average Jerry user saves $879 per year on car insurance.
Don’t believe us? These are actual quotes and savings from customers in Louisiana who switched with Jerry:
Quote DateCarCityAgeCarrier
Before Jerry
After Jerry
April 2, 2021Chrysler 300 LXWest Monroe58Progressive$142/mo.$97/mo.
July 5, 2021Chevrolet Traverse LTLoranger27Progressive$289/mo.$104/mo.
July 29, 2021Chevrolet Cruze LTZDestrehan28Progressive$140/mo.$109/mo.
March 19, 2021Ford MustangPonchatoula23ClearCover$150/mo.$113/mo.
June 15, 2021Chevrolet Traverse LSCovington34Progressive$269/mo.$188/mo.
Use Jerry to compare the insurance prices of up to 50+ carriers in only 45 secondsFind savings now

How much does car insurance cost in Louisiana?

The average cost of liability-only car insurance in Louisiana is $2,554 per year. If you prefer to buy full coverage car insurance in Louisiana, you can expect to pay an average cost of $3,714 per year.

How does the cost of car insurance in Indiana compare to the rest of the country?

Compared to nationwide averages, it costs $1,764 per year for liability-only car insurance and $2,486 per year for full-coverage car insurance.
What impacts Louisiana car insurance rates? This is what to consider:
  • Uninsured drivers: Louisiana has one of the highest uninsured driver rates in the country
  • Auto theft: Louisiana has seen an increase in car insurance rates, particularly in cities
  • Natural disasters: Louisiana is prone to hurricanes that can drive up the cost of auto insurance
Here’s how Louisiana insurance premiums stack up to nationwide averages:
All Coverage Before Jerry
All Coverage After Jerry
Minimum Coverage Before Jerry
Minimum Coverage After Jerry
Full Coverage Before Jerry
Full Coverage After Jerry
LA$3,159$2,098$2,587$1,446$5,565$3,473
National Average$2,491$1,672$2,359$1,390$2,763$1,962
LANational Average
All Coverage Before Jerry
$3,159$2,491
All Coverage After Jerry
$2,098$1,672
Minimum Coverage Before Jerry
$2,587$2,359
Minimum Coverage After Jerry
$1,446$1,390
Full Coverage Before Jerry
$5,565$2,763
Full Coverage After Jerry
$3,473$1,962
Use Jerry to compare the insurance prices of up to 50+ carriers in only 45 secondsFind savings now

Top auto insurance providers in Louisiana

Numerous car insurance providers work with residents of Louisiana. Popular choices include the Louisiana Farm Bureau, the Southern Farm Bureau, and Geico because they generally offer affordable rates and have quality customer service.
However, you may find that a different provider meets your needs better.
Each provider has its own criteria to determine car insurance premiums. You may find very different prices from each carrier—even for identical policies. Louisiana providers consider your age, credit score, location, and more when setting your rates.
The car you drive also makes a difference in your insurance premiums. A Toyota Corolla is a common car in Louisiana, and it is generally cheaper to insure because of its lower cost of maintenance and replacement parts. However, a more expensive car, like a Chevy Corvette, will be much more expensive to repair and replace should you get into an accident.
Regardless of your needs, Jerry can help you find the best prices for insurance in Louisiana. Here are some of the best prices we have found for our customers in Louisiana:
Insurance Company
Average Cost
Annual Savings with Jerry
Nationwide$7,566$5,331Compare Prices
Allstate$3,784$1,266Compare Prices
Dairyland$5,100$1,116Compare Prices
Kemper$3,834$999Compare Prices
National General$3,652$949Compare Prices
Safeco$3,984$410Compare Prices
Use Jerry to compare the insurance prices of up to 50+ carriers in only 45 secondsFind savings now

What car insurance do you need in Louisiana?

Indiana drivers are required to carry minimum liability insurance before getting behind the wheel. This coverage includes the following:
CoverageAmountDescription
Bodily injury liability$15,000 per person / $30,000 per accidentCovers the costs associated with injuries you cause to others
Property damage liability$25,000 per accidentCovers the costs associated with the damage you cause to other people’s vehicles or property
You could face penalties if you are caught driving without insurance, including:
  • Fines of up to $1000
  • Suspension of your registration and license plates with possible vehicle impoundment
  • Ban on claiming losses in collisions
  • $50 reinstatement fee
Liability insurance is just the bare minimum. It protects other drivers if you cause an accident, but it doesn’t protect you or your car. It’s smart to carry more than the minimum liability insurance to make sure you’re protected. Louisiana drivers should consider the following insurance:
CoverageDescription
Collision insuranceCovers damages that are the result of a collision with a vehicle or stationary object
Comprehensive insuranceCovers damages that aren’t the result of a collision, such as vandalism, theft, or a natural disaster
Roadside assistanceCovers the costs associated with a breakdown
Jerry will help you find the most affordable policy regardless of the coverage you choose.
Signing up takes seconds, and Jerry will send quotes from the top insurance companies right to your phone. Make your choice, and Jerry takes care of all of the rest— from paperwork to phone calls. Jerry will even provide you quotes each time your policy is up for renewal, so you know you’re always paying the best price.
Now that we’ve gone over the basics, here’s what to consider about insurance in Louisiana.

How is your cost of car insurance determined in Louisiana?

Louisiana car insurance carriers consider a variety of factors, including your age, driving history, and the car you drive, before setting your rates.
What young drivers in Louisiana need to know
  • Drivers under 25 in Louisiana are considered high-risk drivers because of their lack of experience and higher-than-average accident rates
  • Taking a defensive driving course can help young drivers keep premiums down
  • Young drivers who maintain a B average or higher could be eligible for a good student discount
Young drivers should shop around for quotes and maintain a clean driving record to keep premiums as low as possible.
Jerry helps young drivers find the lowest rates for the coverage they need. These are the average rates for drivers in Indiana by age:
Age Group
Average Cost
Annual Savings with Jerry
18-20$3,468$936
21-24$2,891$916
25-34$2,692$834
35-44$2,687$873
45-54$2,781$821
55-64$2,306$735
65+$2,474$905
Use Jerry to compare the insurance prices of up to 50+ carriers in only 45 secondsFind savings now

Cost to insure your car in Louisiana with a poor driving record

A bad driving record can majorly impact your car insurance premiums. If you’ve been in an accident, gotten a speeding ticket, or had a DUI or other major driving offense, you can expect to pay more for your Louisiana car insurance rates.
Drivers with previous incidents on their record will be considered a high risk by car insurance companies, and they will pay more for premiums as a result.
But not to worry! Jerry helps drivers with previous infractions secure the best rates for the coverage they need.
Here are the cheapest rates drivers with imperfect driving records have gotten after shopping with Jerry:
Driving Violation
Average Cost
Annual Savings with Jerry
Clean Record$3,462$1,015
Failure to Obey Traffic Sign$5,349$1,886
Suspension$3,495$1,093
Speeding under 15$4,126$955
DUI$3,432$918
Speeding over 15$3,444$839
Defective Equipment$2,741$673
Driving on Sus. License$2,652$569
Improper Passing$2,580$568
Open Container$3,396$312
Use Jerry to compare the insurance prices of up to 50+ carriers in only 45 secondsFind savings now

Cost to insure your car in Louisiana based on where you live

Louisiana residents can expect to pay a pretty penny for car insurance, but rates vary depending on where in the state you live.
For example, residents of cities like New Orleans are going to pay a premium for car insurance because of DUI rates, more traffic, and more accidents. However, residents of the less populated Shreveport will find that their rates are below the state average.
You can find affordable insurance rates for any city in Louisiana by shopping with Jerry:
City
Average Cost
Annual Savings with Jerry
Baton Rouge$2,773$746
Denham Springs$2,279$772
Gretna$2,883$841
Lafayette$2,897$925
Lake Charles$2,746$837
New Iberia$3,193$1,223
New Orleans$3,042$965
Rayne$2,750$767
Shreveport$2,696$796
Slidell$2,802$722
Use Jerry to compare the insurance prices of up to 50+ carriers in only 45 secondsFind savings now

Cost to insure your car in Louisiana based on the type of car you drive

Your car also factors into your premiums. For the most part, more expensive cars will cost more to insure simply because they’ll be pricer to replace.
Louisiana drivers who drive a basic sedan, like the popular Kia K5, will have lower car insurance rates because of the car’s lower starting value and cheaper replacement parts.
Conversely, Louisiana residents who are behind the wheel of a luxury vehicle, like the Audi Q5, will pay more for insurance premiums because it costs more for providers to pay for repairs if they are in an accident.
These are common insurance quotes for some of the most popular cars in Louisiana with and without Jerry:
Car
Average Cost
Annual Savings with Jerry
Nissan Maxima S$3,365$920
Hyundai Elantra GLS$2,703$912
Nissan Altima 2.5$3,030$888
Chrysler 300$2,848$758
Oldsmobile Silhouette$2,052$666
Use Jerry to compare the insurance prices of up to 50+ carriers in only 45 secondsFind savings now

How to save money on car insurance in Louisiana

Car insurance rates are sky-high in Louisiana, but there are definite ways to save money.

Shop around for quotes

Comparing quotes from different providers is the easiest way to know you’re paying the best prices for car insurance.
However, this can take hours and be quite the hassle—especially if you do all of the research yourself. Fortunately, Jerry is here to do the hard work for you.
Jerry is the super app that helps you save time and money on your car expenses, including insurance. Sign-up is easy, and Jerry will find you quotes from over 50 top insurance providers. Pick the policy that works best for you, and Jerry will help with all of the hard parts—including paperwork. The best part? The average Jerry user saves $879 on car insurance.
What’s even better, Jerry will send you new quotes each time your policy is up for renewal.

Look for discounts

Another great way to save money on car insurance is by looking for discounts. Most providers offer at least some discount, so it doesn’t hurt to ask what’s available for you.
Here are some popular discounts in Louisiana:
Use Jerry to compare the insurance prices of up to 50+ carriers in only 45 secondsFind savings now
Providers in Louisiana may offer discounts for homeownership, being married, and affiliation with certain organizations.

Increase your deductible

Raising your deductible can save you money on your monthly payments. Your deductible is the amount you pay out of pocket if you have to make a claim.
That said, you may have to pay more upfront—even if you save money each month. Make sure you can pay your full deductible each time you would have to make a claim.

Registering your car in Indiana

To register your car in Indiana, you need the following:
  • A driver’s license or ID card
  • A car title or signed lease agreement
  • Vehicle application
  • Odometer reading
  • Smog check
  • Proof of insurance
  • Payment and fees
It’s a good idea to make an appointment with the DMV before you go to register your car as long wait times are common. You’ll likely need to file paperwork with personal and vehicle information with your registration.
Drivers in Louisiana need to renew their vehicle registration every year.

Easiest way to compare and buy car insurance

√
No long forms
√
No spam or unwanted phone calls
√
Quotes from top insurance companies
Find insurance savings — it's 100% free