Cheapest Car Insurance in Louisiana for July 2025

Insurance price card

Cheapest Car Insurance in Louisiana for July 2025

No long forms No spam or unwanted phone calls Quotes from top insurance companies

You’re minutes away from insurance savings.

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.

To find the best car insurance in Louisiana, compare car insurance quotes from multiple insurers.

Compare cheap car insurance quotes in Louisiana.

The average cost of full coverage insurance in Louisiana is around $300 per month.

The state’s average minimum coverage costs around $200 per month, according to a Jerry analysis. Louisiana law requires drivers to have a minimum of $15,000/$30,000/$25,000 in liability car insurance for their vehicles.  

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

In Louisiana, minimum coverage car insurance is a popular choice for those seeking affordability while meeting state mandates. It helps cover another driver’s costs if you’re found liable in an accident but won’t pay for your own car’s repairs. This type of plan is most suitable for drivers who own older vehicles or are managing tight budgets.

Prices for state minimum coverage vary quite a bit in Louisiana, as you can see from the car insurance quotes below. Getting quotes from various providers can help Louisiana residents secure coverage that complies with the law without overspending.

Insurance Company
Avg Monthly Quote
Avg Annual Quote
Aspire Advantage $69 $828
Bluefire $144 $1,726
Progressive $181 $2,175
National General $195 $2,335
Clearcover $260 $3,124
Bristol West $325 $3,896
Kemper $345 $4,146
ROOT $354 $4,244
Last Updated Jul 17, 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

Getting low-cost full coverage auto insurance in Louisiana means looking for a policy that offers security without excessive premiums. Full coverage typically includes liability, collision and comprehensive protection, safeguarding against things like weather damage, accidents, vandalism or stolen vehicles. Unlike liability-only, full coverage covers your car as well as others involved in an accident. If your vehicle would be expensive to replace or repair, full coverage can be worth the extra monthly cost.

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 $119 $1,427
Aspire Advantage $198 $2,374
Gainsco $235 $2,821
Safeco $293 $3,518
Mendota $306 $3,669
The General $311 $3,731
Bluefire $318 $3,818
Progressive $334 $4,009
Electric $350 $4,197
National General $384 $4,602
Last Updated Jul 17, 2025

Estimate car insurance costs

Enter your ZIP code to see what Jerry customers have been quoted for full coverage, on average.

Average monthly quote:
$–
COMPARE QUOTES
Methodology

Jerry's editorial team analyzed Jerry customer quotes to find the median full coverage quote, by ZIP code. We looked at customers driving popular vehicles, including the Ford-150, Honda Accord, Nissan Altima, RAM 1500, Toyota Camry and Toyota RAV4 . We also used the following base driver profile:

  • 35-45 years old.
  • Clean driving record.
  • $50,000 in bodily injury liability, per person.
  • $100,000 in bodily injury liability, per accident.
  • $1,000 deductible for comprehensive and collision insurance.

Cheapest car insurance for young drivers in Louisiana

In Louisiana, teen and young adult drivers tend to face higher premiums because of the increased chance of filing a claim. Limited experience often outweigh an otherwise clean driving record but drivers may lower costs by completing driver’s ed or selecting safer vehicles.

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 $607 $7,288
21-24 $387 $4,641
Last Updated Jul 20, 2025

More: Cheap car insurance for teens

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

In Louisiana, liability-only car insurance provides 20-year-olds with a low-cost way to meet state mandates. Choosing this basic option keeps them insured while maintaining financial flexibility.

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 $316 $3,786
ROOT 20 $472 $5,660
Progressive 20 $477 $5,726
National General 20 $538 $6,458
Bristol West 20 $980 $11,755
Last Updated Jul 21, 2025

Cheapest full coverage policy in Louisiana for a 20 year old

In Louisiana, full coverage can be a smart option for 20-year-olds dealing with flood-prone areas and busy traffic. This type of insurance helps them avoid major out-of-pocket costs after a crash or storm and for someone starting to build financial independence, those benefits can go a long way.

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 $582 $6,981
Progressive 20 $673 $8,081
ROOT 20 $777 $9,319
Bristol West 20 $811 $9,735
National General 20 $914 $10,964
Last Updated Jul 19, 2025

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

Louisiana drivers with more experience usually receive more affordable insurance because they present a lower risk. Insurance providers see fewer claims from this group and that reliability translates into savings on their monthly premiums.

The average cost of car insurance in Louisiana drops quite a bit as you go from 25 to 54 years old.

Age Group
Avg Monthly Quote
Avg Annual Quote
25-34 $322 $3,860
35-44 $266 $3,196
45-54 $241 $2,889
Last Updated Jul 17, 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. A 36-year-old in Louisiana could opt for liability-only insurance to minimize monthly costs while staying compliant. Experience with unpredictable traffic and regional weather makes them savvy about driving risks and older vehicles often don’t need comprehensive coverage.

Insurance Company
Age
Avg Monthly Quote
Avg Annual Quote
Progressive 36 $157 $1,882
Bluefire 36 $167 $2,010
National General 36 $187 $2,238
The General 36 $199 $2,382
Bristol West 36 $275 $3,303
Last Updated Jul 17, 2025

Cheapest full coverage policy in Louisiana for a 36 year old

A 36-year-old in Louisiana could turn to full coverage auto insurance as a shield against heavy rain, floods or collisions. It also helps reduce financial stress after unplanned repairs as this kind of coverage offers a dependable safeguard for everyday driving.

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
Progressive 36 $289 $3,467
Bluefire 36 $293 $3,520
ROOT 36 $406 $4,867
National General 36 $412 $4,949
Bristol West 36 $695 $8,342
Kemper 36 $840 $10,075
Last Updated Jul 21, 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, senior drivers 65 and over would start seeing increases in their quotes.

Age Group
Avg Monthly Quote
Avg Annual Quote
55-64 $217 $2,599
65+ $213 $2,551
Last Updated Jul 21, 2025

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

Louisiana retirees may switch to liability-only coverage as a way to reduce costs when their vehicle’s value drops or they are not driving as often.

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
Bluefire 65 $124 $1,488
Kemper 65 $138 $1,656
Progressive 65 $142 $1,708
National General 65 $185 $2,223
ROOT 65 $321 $3,851
Last Updated Jul 17, 2025

Cheapest full coverage policy in Louisiana for a 65 year old

A 65-year-old Louisiana driver might select full coverage insurance to defend against the risks of heavy traffic, flooding and theft. Ensuring financial stability during retirement is a common goal and many seniors rely on their vehicles regularly for errands and family gatherings, valuing comprehensive protection.

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 $193 $2,322
National General 65 $275 $3,303
Bluefire 65 $519 $6,224
Bristol West 65 $608 $7,290
Last Updated Jul 17, 2025

Average car insurance for drivers with clean records in Louisiana

A clean driving record in Louisiana is a strong advantage when shopping for insurance. It reflects discipline and caution in daily driving and insurers often see this as a reliable indicator of future behavior. The result is usually more attractive rates and broader policy options.

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
$267 $3,202
Last Updated Jul 21, 2025
Avg Monthly Quote
Avg Annual Quote
Insurance Company
$386 $4,629 Assurance America
$195 $2,344 Bluefire
$400 $4,800 Bristol West
$336 $4,026 Clearcover
$410 $4,916 Dairyland
$164 $1,964 Embark General
$167 $1,998 Gainsco
$464 $5,566 Kemper
$306 $3,669 Mendota
$266 $3,191 National General
Last Updated Jul 17, 2025

Average car insurance for drivers with low credit scores in Louisiana

In Louisiana, credit score can factor into how insurers evaluate customer stability. A lower score might raise concerns about payment consistency or risk potential and these concerns can lead to premium increases.

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 $290 $3,481
660-750 $300 $3,595
<550 $307 $3,681
750+ $224 $2,692
Last Updated Jul 21, 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
Aspire Advantage <550 $198 $2,374
Bluefire <550 $218 $2,612
Progressive <550 $269 $3,231
Gainsco <550 $269 $3,232
National General <550 $293 $3,516
Last Updated Jul 17, 2025

Learn more: How a credit-based insurance score works

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

An at-fault accident in Louisiana has the potential to affect your insurance regardless of if someone was hurt since the financial consequences of property damage can be significant. These events stay on your record and may alter future rates and they serve as cautionary markers for insurers.

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
Electric At Fault With No Injury $103 $1,240
Aspen At Fault With No Injury $118 $1,420
Trexis At Fault With No Injury $123 $1,471
Bluefire At Fault With No Injury $233 $2,792
Gainsco At Fault With No Injury $286 $3,428
Last Updated Jul 17, 2025

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

Causing an accident with injuries in Louisiana is a major event from an insurance perspective. These claims often come with long-term financial consequences and insurers may respond by reevaluating your status and adjusting your policy. The presence of injuries marks the event as high risk.

Here you can see some of the best insurers for drivers with at-fault accidents on their record.

Insurance Company
At-fault Accident on Record
Avg Monthly Quote
Avg Annual Quote
Bluefire At Fault With Injury $143 $1,717
Progressive At Fault With Injury $172 $2,070
National General At Fault With Injury $262 $3,149
Bristol West At Fault With Injury $317 $3,800
Kemper At Fault With Injury $545 $6,544
Last Updated Jul 20, 2025

Cheapest car insurance for drivers with a speeding ticket in Louisiana

A speeding ticket or other citation 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 $450 $5,399
Speeding under 15 $265 $3,176
Last Updated Jul 17, 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 $52 $626
Commonwealth Insurance $167 $2,002
The General $199 $2,382
Dairyland $204 $2,444
Bluefire $243 $2,915
Progressive $255 $3,066
National General $259 $3,111
Clearcover $268 $3,216
Bristol West $435 $5,220
Kemper $472 $5,662
Last Updated Jul 18, 2025

Cheapest car insurance for drivers with a DUI in Louisiana

A DUI is considered a very serious offense that drastically shifts how insurers evaluate your risk. This can lead to more expensive premiums and fewer policy choices and the effects may last long after the incident itself.

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 $126 $1,517
Bluefire $147 $1,766
National General $165 $1,981
Bristol West $375 $4,504
Last Updated Jul 17, 2025

Average Car Insurance for Drivers with Other Violations in Louisiana

Violations like reckless driving or failing to stop at signals in Louisiana may gradually affect how insurers view you. These offenses can add up and point to an overall lack of caution and insurers track these trends and may respond with higher premiums or policy restrictions. Consistent safe behavior helps keep your record favorable and your rates low.

Violation Summary
Avg Monthly Quote
Avg Annual Quote
Careless Driving $349 $4,185
Defective Equipment $242 $2,901
Driving on Sus. License $211 $2,537
Failure to Obey Traffic Sign $246 $2,953
Improper Passing $240 $2,879
Open Container $146 $1,752
Other $284 $3,404
Seat Belt $228 $2,738
Suspension $196 $2,346
Last Updated Jul 17, 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 car insurance 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 your home and auto policies with the same insurer.
  • Maintain a safe driving record.
  • Take a defensive driving course.
  • Choose higher deductibles to lower your premiums. 
  • 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.