From jazz to delicious cuisine, Louisiana has a rich culture and is a popular place to live and vacation. Unfortunately, it’s a densely-populated state, so despite its lower cost of living, the average cost of car insurance in Louisiana is significantly higher than the national average.
In some cities, the average premiums can be even pricier, but how much you pay is based on factors like your age, driving record, and credit history.
Car insurance is much more expensive in Louisiana than in other states. Full coverage policies that include collision, comprehensive, and liability insurance cost per year —$1,057 higher than the national average of $1,529.
Why is it so expensive? Louisiana has a denser population than other areas and a high percentage of uninsured drivers. According to the Insurance Research Council, 11.7% of drivers in the state are uninsured.
Avg. cost for full coverage | Avg. cost for minimum coverage | Cheapest insurance provider |
/year | /year |
Avg. for young drivers | Avg. cost for seniors | Avg. for high-risk drivers |
/year | /year | /year |
Several companies underwrite car insurance policies in Louisiana. While you can get insurance from well-known national companies like Allstate or State Farm, it’s wise to get quotes from smaller, regional insurers too.
Southern Farm Bureau had the lowest average premiums for full coverage policies, and the Farm Bureau offered lower-than-average premiums for state-minimum liability coverage.
Provider | Full coverage | Minimum liability coverage |
Southern Farm Bureau | /year | /year |
Farm Bureau | /year | /year |
Allstate | /year | /year |
GEICO | /year | /year |
State Farm | /year | /year |
Progressive | /year | /year |
USAA | /year | /year |
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Check RatesLike most states, Louisiana allows insurers to consider drivers’ credit histories when setting car insurance premiums. If you have poor credit, you’ll pay $1,739 more per year than the state average.
Even those with average credit — a score between 650 and 699 — will pay substantially more for coverage, paying about per year.
Credit health | Avg. annual premium |
Poor (550-649) | /year |
Average (650-699) | /year |
Good (700-749) | /year |
Excellent (750+) | /year |
Car insurance premiums are already sky-high in Louisiana, so avoiding driving infractions is key to saving money. For example, the average annual premium for a driver with a driving under the influence (DUI) conviction is $4,389 per year.
Violation | Avg. annual premium before violation* | Avg. annual premium after violation | Avg. cost increase |
At-fault accident | $2,586/year | $3,535/year | $949 |
DUI | $2,586/year | $4,389/year | $1,803 |
Speeding ticket | $2,586/year | $3,093/year | $507 |
*Assumes clean driving record with good credit
Car insurance is expensive in Louisiana, but for teen drivers, rates can be staggeringly high. The average rate for 18-year-olds is a whopping per year.
The median household income in Louisiana is $53,571, so families in Louisiana would pay about 15% of their household income to pay for a teen driver’s car insurance premiums.
Age | Avg. annual premium |
18 | /year |
25 | /year |
30 | /year |
40 | /year |
60 | /year |
Generally, if you live in an area with a higher-than-usual rate of accidents or auto theft, you’ll pay much more for auto coverage since you’re more likely to file a claim. That guideline is evident in New Orleans, which has the highest average premiums in Louisiana.
NeighborhoodScout gave New Orleans a crime rating of two, meaning 98% of cities in the U.S. are safer, so the higher premium isn’t surprising.
City | Avg. annual full-coverage premium |
New Orleans | /year |
Baton Rouge | /year |
Lafayette | /year |
Shreveport | /year |
Lake Charles | /year |
Alexandria | /year |
Louisiana requires all drivers within the state to have car insurance that meets the following coverage minimums:
Those coverage limits are lower than what many other states require. And considering that the state has a high level of uninsured drivers, you may want to add collision and comprehensive coverage to your policy. While it will increase your car insurance cost, you could save money later on if you have to file a claim.
Your car insurance premiums are likely costly if you live in Louisiana. But you may be able to reduce your premiums by following these tips:
Our analysis was conducted using six different auto insurance marketplaces to determine the average cost of auto insurance in each state. The data we analyzed included coverage premiums from up to 10 different insurance providers. We looked at rates by city, driver profile, and credit score, as well as factored in the impact of driving violations. This data is for comparative purposes only. Your actual quote may be different.
Car insurance in Louisiana is extremely expensive. The average annual cost of full coverage insurance in the state is about $1,057 more than the national average.
The average cost of car insurance in Louisiana is $215.50 per month for full coverage policies and $90.75 per month for state-minimum liability coverage.
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2023-06-05T20:18:22Z dg43tfdfdgfd