Good news for Louisiana drivers: Jerry’s latest data shows that liability coverage in the PelicanState averages about $367 per month. Over the past year we’ve helped 6,723 Louisianans lower their premiums, and drivers who switch with Jerry save an average of $1,205 a year without losing the coverage they rely on every day.
Jerry compares quotes from up to 7 trusted insurers in Louisiana to build your policy and help you secure your best price in minutes.
Save on Louisiana insurance with Jerry
What Louisiana drivers are paying right now
Insurance prices in Louisiana move quickly. The state has some of the highest claim costs in the country, a larger share of uninsured drivers and more severe injury claims than many other states. Add in dense traffic in cities like New Orleans and Baton Rouge and rural parishes with longer response times, and you get premiums that vary widely depending on where you live.
Jerry tracks live quotes across Louisiana to show you what drivers are actually paying today. Here are a few recent full coverage policies purchased through Jerry and what those drivers paid.
Recent quotes
Based on Jerry customers with clean driving records who found savings in the past 12 months. Savings vary by state, coverage, driver profile and other factors.
Key takeaway: Check your rate from time to time. In Louisiana, claim trends and local traffic conditions can shift your premium well before renewal.
4 easy ways Jerry helps Louisiana drivers save on car insurance
Lowering your premium isn’t just about choosing the lowest number. Lasting savings come from understanding what affects your rate and adjusting what matters.
Jerry simplifies that with real quotes, real discounts and real-time insights into where you can save without cutting the coverage you depend on.
Here are our top tips to help you spend less and worry less.
| How to save | Average Louisiana driver savings |
|---|---|
| Compare quotes | 53% to 94% |
| Stack discounts | 28% to 45% |
| Pick the right deductible | 13% to 71%* |
| Use telematics | 6%* |
*Among all Jerry drivers nationwide.
Based on Jerry customers with clean driving records who found savings in the past 12 months. Savings vary by state, coverage, driver profile and other factors.
Jerry Agent Tip 1: Compare quotes from multiple insurers
Louisiana’s insurance landscape is unlike any other. Injury claims tend to be more expensive here, local legal environments vary significantly by parish and repair costs trend higher in major metros. Every insurer analyzes that risk differently, which is why the spread between your lowest and highest quote can be dramatic.
Comparing quotes side-by-side with Jerry is the fastest way to avoid overpaying.
Here’s where Louisiana drivers who saved most often switched after checking their rates with Jerry:
| Insurance carrier | Louisiana drivers who switched | Average Jerry savings |
|---|---|---|
| National General | 50% | 34% |
| Progressive | 28% | 17% |
| Bluefire Ignite | 11% | 33% |
| Bristol West | 6% | 29% |
| Root | 6% | 26% |
Based on Jerry customers with clean driving records who found savings in the past 12 months. Savings vary by state, coverage, driver profile and other factors.
Why it matters: In Louisiana, two drivers with the same profile can get completely different prices based solely on their ZIP code. Jerry makes those differences clear so you can choose confidently.
Jerry Agent Tip 2: Combine discounts for a cheaper rate
Louisiana drivers often qualify for multiple discounts, including safe-driver rewards, paperless billing, multi-car bundles, good-student savings and anti-theft devices. But insurers don’t always apply them automatically.
Jerry identifies the discounts you’re eligible for so your savings don’t go to waste.
Key takeaway: Stacking discounts often beats raising your deductible when it comes to saving more every month.
Pick the right deductible
Your deductible directly influences what you pay. Louisiana’s mix of fast-moving city traffic, complex multicar crashes and higher repair costs means drivers should choose a deductible they can genuinely cover. Increasing it can reduce your premium, but only if it’s a number you can comfortably pay out of pocket if you file a claim.
Here’s what Jerry drivers are choosing for their deductibles:
To find your best deductible:
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Review your car’s current value (Jerry updates this monthly).
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Choose what you can reasonably pay out of pocket.
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Compare how each deductible level affects your premium in real time.
The Jerry difference: Jerry shows you instant savings across deductible options so you can choose with confidence.
Jerry Agent Tip 4: Use telematics to lower your rate
Telematics programs reward the way you drive. Louisiana drivers who use telematics save an average of 6%, according to Jerry data. Smoother braking, lower mileage and safer driving hours all help lower your premium, and many insurers offer telematics programs that tailor your rate to your actual habits instead of broad risk categories.
Jerry’s DriveShield builds on that. It tracks your driving, scores your habits and automatically shops for lower rates when you qualify. We only share your drive score with insurers when it could earn you a discount.
Get personalized car insurance rates now
How to get better coverage without overpaying
Louisiana requires 15/30/25 liability coverage, but that minimum doesn’t cover your own vehicle. Here’s how most drivers structure their policies:
Minimum
$82 – $179/mo
Meets Louisiana’s requirements but won’t pay for your own car.
Standard
$245 – $483/mo
Includes UM/UIM and medical payments, important in a state with a high share of uninsured drivers.
Preferred
$339 – $652/mo
Means higher liability limits, lower deductibles and extras like towing or rental reimbursement.
Key takeaway: Start with your comfort around risk and your car’s value. Jerry shows real-time pricing across all coverage tiers so you can choose confidently.
The cheapest Louisiana policy is liability-only, but affordable add-ons like comprehensive or UM/UIM often pay off when you need them most.
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Coverage definitions
Louisiana insurance factors at a glance
What you pay for car insurance in Louisiana is shaped by the realities of driving here, from high injury-claim severity to heavy metro traffic and long rural stretches with slower emergency response times. Add in one of the nation’s highest rates of uninsured drivers and you get a premium landscape where ZIP code and driving habits matter a lot.
Uninsured drivers
Louisiana consistently ranks near the top nationally for uninsured motorist rates, so UM/UIM coverage is smart. comprehensive.
Urban crash severity
Accidents in New Orleans and Baton Rouge tend to be more complex and costly, and collision coverage can protect you.
Legal environment
High injury claims and litigation trends can push rates higher statewide.
Rural crash dynamics
Longer response times and higher-speed corridors increase claim severity.
Louisiana Insurance After a Ticket, Accident or SR-22
Jerry helps ensure one mistake doesn’t keep your bill high forever. We work with insurers that take a balanced approach to violations and automatically re-shop your policy as your record improves.
If you got a ticket
Louisiana uses a point-based system for violations, and too many points can impact your license and your premium. Even a single ticket can raise your rate for years, though defensive driving courses may reduce the impact depending on the violation.
After signing up in the Jerry app, we’ll monitor your record. Once a violation clears, Jerry automatically shops for better pricing.
Here are the average rate increases we’ve seen for Louisiana drivers after a ticket:
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Speeding under 15: 5%
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Speeding over 15: 10%
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Failure to obey traffic sign: 8%
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Reckless driving: 60%
Based on Jerry customers with clean driving records who found savings in the past 12 months. Savings vary by state, coverage, driver profile and other factors.
If you’ve had an accident
Louisiana follows at-fault rules for property damage, so the responsible driver pays. An at-fault crash raises premiums by 17% on average and may stay on your record for three to five years.
Jerry helps you find the lowest available price now and re-shops your policy once the accident drops off.
Rates after an accident, full coverage
|
Accident record
|
Average monthly quote
|
|---|
|
Accident record
|
Average monthly quote
|
|---|---|
| Not At Fault | $392 |
| At Fault With Injury | $399 |
| At Fault With No Injury | $439 |
Based on Jerry customers with clean driving records who found savings in the past 12 months. Savings vary by state, coverage, driver profile and other factors.
If you’ve been convicted of a DUI
A DUI brings steep financial consequences in Louisiana. Rates rise an average of -28% and often remain elevated for several years.
That said, some insurers still offer comparatively reasonable pricing for high-risk drivers. Jerry identifies those insurers and automatically re-shops your policy as your record improves.
Here are the five cheapest insurers for Louisiana drivers with DUIs:
|
Insurer
|
Avg monthly rate after DUI
|
Offers coverage after DUI
|
|---|
|
Insurer
|
Avg monthly rate after DUI
|
Offers coverage after DUI
|
|---|---|---|
| $223 | Yes | |
| $259 | Yes | |
| $468 | Yes | |
Based on Jerry customers with clean driving records who found savings in the past 12 months. Savings vary by state, coverage, driver profile and other factors.
If you need an SR-22 in Louisiana
Louisiana may require an SR-22 after certain violations, uninsured crashes or suspensions. Select the SR-22 option in the Jerry app and we’ll show only insurers that file them. Many charge around $25 per year for the filing.
Car Insurance with Bad Credit
Louisiana allows insurers to use credit-based insurance scores, which can influence your premium. Even so, driving history, continuous coverage and deductible choices often move your rate more than credit alone.
Jerry helps you compare prices instantly so you always find your best deal.
Average rates in Georgia by credit score
Based on Jerry customers with clean driving records who found savings in the past 12 months. Savings vary by state, coverage, driver profile and other factors.
Drive with confidence
Louisiana’s combination of dense metro traffic, complex injury claims and one of the highest uninsured-driver rates in the country means the best insurance isn’t just the cheapest. It’s the coverage that actually fits how you drive.
Jerry makes that easy by matching you with strong, affordable protection and automatically re-shopping when you qualify for better pricing.
Get Louisiana coverage in as little as 2 minutes
Methodology
To find the cheapest car insurance in each state, we use proprietary, real-world quotes from drivers — not third-party estimates. Each shopping journey includes multiple rounds of quotes, with information verified along the way.
At every stage, we aggregate and anonymize data to protect privacy and ensure accuracy. Because Jerry has delivered millions of quotes, often with multiple offers per driver, our datasets are large enough to avoid bias toward any one region, carrier or driver type.
Unlike other sites that rely on modeled rates, Jerry is a licensed insurance broker in 48 states, giving us firsthand visibility into how quotes are generated and validated.
Unless otherwise stated, rates reflect the last six months of verified full-coverage quotes for clean-record drivers. Data involving accidents or credit uses the last 18 months to ensure reliability.
Read more about Jerry’s data gathering and verification processes
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.
Ben Moore is a writer and editor at Jerry and an auto insurance expert. He previously worked as a writer, editor and content strategist on NerdWallet’s auto insurance team for five years. His work has been published in The Associated Press, Washington Post, Chicago Sun-Times, MarketWatch, Nasdaq and Yahoo News. He also served as a NerdWallet spokesperson, with appearances on local broadcast television and quotes in Martha Stewart and Real Simple magazine.
Ben has an extensive background in digital marketing, working on affiliate and programmatic advertising campaigns for brands like Cabela’s, H&R Block and Sears. He holds a bachelors degree in marketing from Olivet Nazarene University.
