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.
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 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
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 |
If you have a loan or lease on your vehicle, the lender will require
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 |
Estimate car insurance costs
Enter your ZIP code to see what Jerry customers have been quoted for full coverage, on average.
Average monthly quote: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 |
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 |
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 |
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 |
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 |
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 |
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 |
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 |
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 |
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 |
|
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 |
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 |
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 |
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 |
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 |
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 |
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 |
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 |
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 |
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 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.
