Compare car insurance quotes in Louisiana
Jerry uses real data from 12,491 Louisiana drivers to help you:
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Average Louisiana car insurance prices
The average cost of car insurance for Jerry drivers in the U.S. is currently $154 a month for state minimum and $382 a month for full coverage. But in Louisiana, Jerry drivers pay:
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$91 to $205 per month for state-mandated minimum coverage
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$254 to $527 per month for full coverage.
Spending a few minutes comparing quotes can pay off fast. Over the last 12 months, Jerry has helped Louisianans save an average of $828 per year on coverage just by comparing their options.
With Jerry, you can compare offers and fine-tune your policy for Louisiana car insurance in under 10 minutes. It’s free and fully online, and we don’t sell your info or hound you with calls.
Prices still vary based on your specific situation, including your record behind the wheel, your car and your location. 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
One of the best ways to save on home insurance in Texas is by bundling your car and home insurance. On average, Jerry homeowners save up to 40% by combining coverages.
But here’s what makes Jerry different: You don’t have to use the same insurer for both.
Jerry’s mix-and-match approach lets you pair the best car insurance rate with the best home insurance rate, even from different companies. This way, you’re not stuck overpaying on one policy just to get a bundle discount on the other.
Jerry pulls up to 20 quotes from top rated carriers.
What Louisiana drivers are paying with Jerry
Checking rates with several insurers is the simplest way to land the right coverage, whether you want to tailor a policy from scratch, mirror what you have now or just lock in the cheapest car insurance in Louisiana that you can find.
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. Drivers should also note that nearly 12% of Louisiana drivers are uninsured or underinsured, so buying uninsured/underinsured motorist (UIM) protection can also be a wise move.
Factors affecting Louisiana car insurance rates in 2026
Uninsured drivers
Louisiana regularly ranks among the highest states for uninsured motorists, which increases the odds you’ll need your own policy after a crash. UM/UIM coverage is a smart safeguard, and matching those limits to your liability coverage helps close the gap.
Urban crash severity
Crashes in and around New Orleans and Baton Rouge can be more complex and costly, especially with dense traffic, more intersections, and higher repair expenses. Collision coverage helps protect your vehicle, even when fault takes time to sort out.
Legal environment
Higher injury claims and litigation trends can increase insurer payouts, which can push rates up statewide. Carrying solid liability limits can help protect you financially if a crash turns serious.
Rural crash dynamics
Outside the metros, drivers often face higher speeds, fewer divided highways, and longer emergency response times. Those conditions can increase the severity of claims when crashes happen, making both liability and collision coverage more important.
Hurricanes and storm flooding
Louisiana’s hurricane exposure brings wind damage, falling debris, and flood-prone conditions that can destroy vehicles quickly. Comprehensive coverage is the key protection for storm-related vehicle damage.
Theft and break-ins
In higher-density areas and around major event corridors, theft and vehicle break-ins can be a meaningful risk factor. Comprehensive coverage typically covers theft, and practical steps like parking in well-lit areas and keeping valuables out of sight can reduce your odds of a claim.
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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|---|
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City
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Average monthly cost
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|---|---|
| $417 | |
| $508 | |
| $311 | |
| $347 | |
| $359 | |
| $354 | |
| $382 | |
| $311 |
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.
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Learn about uninsured motorist coverage and why it matters.
FAQs
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Is Louisiana an at-fault state?
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What happens if I drive without insurance in Louisiana?
