Jerry is your proactive car insurance assistant. We help you compare personalized quotes side-by-side from 50+ top insurers, explain coverage in plain English, and switch policies in minutes. No bouncing between sites. No pressure to buy. Just clear options, expert guidance when you want it, and a seamless way to get covered.
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Compare Car Insurance Quotes in Louisiana
Jerry is a free app trusted by 17,432 Louisiana drivers that compares insurance quotes from top carriers.
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Get personalized options in minutes.
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Buy, bundle and switch right in the app.
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Licensed agents are ready to help if you need them.
Stephanie Colestock is a writer, CFEI®, and licensed insurance agent with over 14 years of experience specializing in personal finance topics like insurance, investing, retirement, and household budgeting. Her work has been featured in TIME, Forbes, USA Today, and other leading publications. Through her writing, Stephanie simplifies complex financial concepts, empowering readers to make smarter financial decisions.
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Certified Financial Education Instructor (CFEI) (2024)
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General Lines Agent, Property & Casualty (2025)
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14 years as a professional writer and editor
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10 years covering personal finance
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General Lines Agent, Property & Casualty (2022)
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Awarded Agent of the quarter at Jerry (2023)
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AS in Computer Science from Troy University of Montgomery
Average Louisiana car insurance prices
The average cost of car insurance for Jerry drivers in the U.S. is currently $152 a month for state minimum and $380 a month for full coverage. But in Louisiana, Jerry drivers pay:
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$86 to $191 per month for state-mandated minimum coverage.
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$252 to $508 per month for full coverage.
Checking rates from multiple carriers is often the best way to find good deals. Over the last 12 months, Jerry has helped Louisianans save an average of $884 per year on coverage by comparing quotes across insurers.
Based on Jerry customers with clean driving records who found savings in the past 12 months. Savings depend on coverage and other factors. Potential savings will vary.
We make that process simple. Use the Jerry app to compare coverage and finalize your Louisiana policy in under 10 minutes. It is free to compare and we never sell your personal info so you don’t have to worry about spam calls. Do it all digitally, or connect with a licensed agent whenever you need expert guidance.
Keep in mind that your insurance cost will depend on things like your car model, how much you drive, and your claims history. Here are some full coverage rates that Jerry drivers in Louisiana have recently gotten:
Recent quotes
Based on Jerry customers with clean driving records who found savings in the past 12 months. Savings depend on coverage and other factors. Potential savings will vary.
Bundle home and auto insurance with Jerry
Louisiana ranks among the most expensive states for home insurance, driven by hurricane exposure, widespread flooding and high humidity that accelerates wear on homes. Bundling home and auto insurance is one of the most impactful ways to offset those steep premiums.
Bundling discounts typically range from 5–25%, depending on the insurer. But bundling with the same carrier isn’t always the cheapest option — mixing carriers can actually result in a lower total cost. Over the past year, drivers who switched through Jerry saved an average of 40% compared to their previous policy.
Here’s what really sets Jerry apart: you don’t have to use the same insurer for both. Jerry’s mix-and-match approach lets you pair the best home insurance rate with the best auto insurance rate, even from different carriers. That way you’re not overpaying on one policy just to get a discount on the other.
Jerry pulls up to 20 quotes from top rated carriers.
What Louisiana drivers are paying with Jerry
Comparing quotes from multiple insurers is the simplest way to make sure you’re getting the right coverage at the right price. Whether you’re building a new policy, matching your current one or looking for the cheapest car insurance in Louisiana, it pays to see what’s out there.
That matters in Louisiana, where drivers face some of the highest insurance rates in the country. Between New Orleans traffic, hurricane and flood exposure and a legal environment that keeps costs elevated, there’s a lot working against your wallet if you’re not comparing options. Rates vary significantly between the metro areas and more rural parishes. Jerry works with Louisiana drivers every day, so your quotes reflect what’s actually typical for your area and driving profile.
Jerry helps you compare quotes from up to 8 trusted insurers in the Pelican State, so you can see what’s out there and what you should be paying. Below are some of the latest quotes Jerry has pulled for Louisiana drivers at different coverage levels, plus how much each driver saved.
Recent quotes in Louisiana
Based on Jerry customers with clean driving records who found savings in the past 12 months. Savings depend on coverage and other factors. Potential savings will vary.
Louisiana car insurance coverage requirements
In order to legally operate a vehicle in Louisiana, drivers must purchase liability insurance coverage. State minimum requirements include:
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$15,000 for bodily injury to one person.
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$30,000 for bodily injury to more than one person in an accident.
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$25,000 for property damage.
Keep in mind that this is the legal minimum, but many Jerry drivers actually choose to buy higher liability limits and coverages like comprehensive or collision insurance. Also note that nearly 12% of Louisiana drivers are uninsured or underinsured, so buying UM/UIM coverage can also be a wise move.
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Coverage Definitions
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Who it pays: The other person, for injuries when you’re at fault in a crash.
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What it covers: Medical bills, lost wages and legal costs for people injured in an accident you cause.
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How it pays: Up to your policy limits, shown as two numbers. For example, 50/100 means $50K per person and $100K per accident.*
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Do you need it? Required by law in every state except New Hampshire. Your state sets a minimum, but Jerry recommends considering limits of at least 100/300.
Property damage liability (PD)
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Who it pays: The other person, for property you damage in a crash.
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What it covers: Costs to repair or replace another person’s car, fence, mailbox or other property you hit.
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How it pays: Up to your policy’s limit. For example, $50K.*
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Do you need it? Required by law in every state except New Hampshire. Your state sets a minimum, but Jerry recommends considering limits of at least $100K.
*Bodily injury liability and property damage liability are typically shown as three numbers on your policy, like 100/300/100. The first two numbers represent your bodily injury limits per person and per accident, while the third number represents your property damage limit.
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Who it pays: You, for damage to your own car.
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What it covers: Costs to repair or replace your own car after a crash with another car or object, like a guardrail or pole.
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How it pays: You pay a deductible first, then insurance covers the rest, typically up to your car’s current market value.
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Do you need it? Required if you’re financing or leasing your car. Optional otherwise, but recommended if your car is worth more than $5,000. May not be worthwhile for older, lower-value cars.
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Who it pays: You, for damage to your own car.
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What it covers: Damage from non-crash events like theft, vandalism, hail, flooding, falling trees, fire or hitting an animal.
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How it pays: You pay a deductible first, then insurance covers the rest, typically up to your car’s current market value.
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Do you need it? Required if you’re financing or leasing your car. Optional otherwise, but recommended if your car is worth more than $5,000. May not be worthwhile for older, lower-value cars.
Uninsured/underinsured motorist (UM/UIM)
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Who it pays: You and your passengers, for injuries and property damage.
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What it covers: Your own injuries and property damage when the at-fault driver has no insurance or not enough to cover your costs, including hit-and-runs in many states.
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How it pays: Up to your chosen limits, which often match your BI limits. There’s usually no deductible for UM, but UIM may have one.
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Do you need it? Required in some states, but Jerry recommends every driver get it, since about 1 in 8 drivers does not have car insurance.
Personal injury protection (PIP)
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Who it pays: You and your passengers, for medical bills and lost income, no matter who caused the accident.
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What it covers: Medical bills, lost wages, childcare, funeral costs and other expenses after an accident, regardless of fault.
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How it pays: Up to your policy limit. There’s usually no deductible, though this varies by state.
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Do you need it? Required in no-fault states. If available in your state, it’s worth considering.
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Who it pays: You and your passengers, for medical bills.
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What it covers: Medical expenses after an accident, regardless of fault.
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How it pays: No deductible. Pays up to your policy’s limit.
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Do you need it? Optional in most states, but can be valuable if you don’t have health insurance or have a high-deductible health plan.
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Factors affecting Louisiana car insurance rates in 2026
Uninsured drivers
Louisiana consistently ranks among the worst states for uninsured motorists, which means your own policy often ends up doing the heavy lifting after a crash. Jerry recommends matching your UM/UIM limits to your liability limits, so you’re not left covering someone else’s mistake out of pocket.
Urban crash frequency
Dense traffic, busy intersections And high repair costs make crashes in and around New Orleans and Baton Rouge more complex and more expensive. Carrying collision coverage means your car can get repaired without waiting on a fault decision that could drag on for months.
Legal environment and claims costs
Louisiana’s litigation climate drives up insurer payouts, and that pressure shows up in premiums statewide. Consider carryingg liability limits that actually protect what you own, not just the state minimum, because a serious injury claim can escalate fast.
Rural crash severity
Outside the metros, drivers face higher speeds, fewer divided highways and longer emergency response times. When crashes happen on these roads, they tend to be more severe. Keep collision coverage active and make sure your liability limits can handle a high-severity accident.
Hurricanes and storm flooding
Louisiana’s hurricane exposure is as serious as it gets, bringing wind damage, falling debris and flooding that can total a car in hours. We recommend keeping comprehensive coverage because that’s what pays for storm-related vehicle damage, even when your car is just parked.
Theft and break-ins
Higher-density areas and major event corridors see more vehicle theft and break-ins than many drivers expect. Comprehensive coverage is what pays out if your car is stolen or broken into. Make your car a harder target too: lock up, park in well-lit areas and keep valuables out of sight.
Average cost of car insurance in major Louisiana cities
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City
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Average monthly cost
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City
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Average monthly cost
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|---|---|
| $413 | |
| $493 | |
| $302 | |
| $337 | |
| $349 | |
| $346 | |
| $307 | |
| $366 |
Based on Jerry customers with clean driving records who found savings in the past 12 months. Savings depend on coverage and other factors. Potential savings will vary.
Get Louisiana quotes in as little as 2 minutes.
Learn more about driving in Louisiana
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How to get a temporary license plate in Louisiana.
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Learn how at-fault states affect your car insurance.
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Understand the 6 main types of car insurance coverage.
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Find out how much car insurance you need.
FAQ
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Is Louisiana an at-fault state?
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What happens if I drive without insurance in Louisiana?
Stephanie Colestock is a professional writer, CFEI®, and licensed insurance agent specializing in personal finance. With over 14 years of experience, she crafts insightful and accessible content on a wide range of financial topics, including insurance, loans, credit/debt, investing, retirement planning, and banking.
Her bylines appear in top-tier publications such as TIME, Fortune, MSN, Business Insider, USA Today, Money, Fox Business, and CBS. Stephanie’s deep understanding of complex financial concepts and her ability to communicate them clearly have made her a trusted voice in the industry.
When she’s not writing, Stephanie enjoys SCUBA diving, reading a good book, and traveling the world with her family.