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Why Compare Car Insurance Rates in Louisiana:

  • On average, people who compare rates save about $970 a year on car insurance
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It is possible to file a claim for damages from a no-fault insurance system even if the other driver was to blame for the collision. Even though Louisiana isn't a no-fault state, the state's approach to car accident claims is based on who is to blame. Many uninsured drivers and car accident lawsuits in Louisiana contribute to high car insurance premiums. And Louisiana's average auto insurance rates are the highest in the country. If you just got your driver's license or recently moved to Louisiana, you might be curious about the state's auto insurance laws and how to get the cheap yet best car insurance in Louisiana.

Minimum Required Auto Insurance Coverage in Louisiana

All states require you to buy such insurance coverage before you can register your car. According to the Louisiana Insurance Department, all car owners must have at least the following:

Coverage Type Minimum Coverage Limit
Bodily injury liability coverage $15,000 per person

$30,000 per accident

Property damage liability coverage $25,000

It would be useful for you to learn about the types of car insurance coverage available.

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Cheapest Car Insurance in Louisiana for Minimum Required Coverage

Car insurance rates from Farm Bureau are the cheapest in the state of Louisiana. It costs just $550 a year for minimum coverage, which is 45% less expensive than the state average. Statefarm is the next in this list with $785 per year rates. However, rates vary greatly depending on the car insurance companies, your region, your driving record, and other things. Compare quotes from various insurance to ensure you get the best deal.

Louisiana Car Insurance Laws

To drive legally in the state of Louisiana, you must have a certain amount of car insurance. As an additional requirement, you must always be able to show proof of insurance while driving your vehicle. For those who lease or finance a car are required to carry full coverage, or physical damage coverage.

With the help of Way.com, you can obtain quotes from a wide range of top insurance providers and compare coverage options and prices to find the vehicle insurance policy that best suits your needs.

Louisiana Auto Insurance Requirements

Three different numbers are frequently used to divide up liability limits. Louisiana's numbers are 15/30/25 for bodily injury per person, bodily injury per accident, and property damage. Here is a breakdown of the various types of coverage that are available:

  • The maximum amount your insurer will pay for one person injured as a result of your negligence in a car accident is $15,000 for bodily injury coverage per person.
  • If more than one person is injured in an at-fault accident, your insurer will only pay up to $30,000 in bodily injury claims per accident.
  • The maximum amount an insurance company will pay for property damage caused in an accident is $25,000 per incident.

As a general rule, most insurance companies will allow you to raise your state-mandated minimums to a higher level than the state requires.

Louisiana car insurance PIP requirements

Louisiana does not require personal injury protection (PIP). Infact in Louisiana, PIP is completely unavailable. If you've been injured in a car accident in Louisiana, you may be eligible for medical payments insurance (sometimes referred to as Med Pay).

Proof of Auto Insurance in Louisiana

The Louisiana Office of Motor Vehicles (OMV) accepts the following as proof of insurance:

  • An insurance card issued by your auto insurance company.
  • A copy of your insurance policy.
  • A copy of your policy declaration page.

Average Cost of Auto Insurance Companies in Louisiana

There is a minimum liability policy in Louisiana that costs $1,324 per year, or $84 per month, on average. Refer the following table to get the numbers of the different insurance quotes.

COMPANY AVERAGE RATE
Louisiana Farm Bureau $1,324.43
USAA $1,423.88
AAA $1799.03
State Farm $2,051.57
Statewide Average $2,096.23
The General $2,454.17
Progressive $2,510.99
MetLife $2529.73
Allstate $2,812.34
  • It's legal to drive in Louisiana if you have a minimum liability policy, but you may not be adequately covered in the event of a major accident.
  • If you don't have comprehensive or collision insurance — two essential components of a comprehensive policy — damage to your own vehicle as a result of an accident you caused will not be compensated.

Cheapest Car Insurance Quotes for Louisiana Drivers

It's possible to save money on car insurance without having to compromise on coverage. Low-cost car insurance is available in Louisiana from a variety of providers. Using data on average annual rates, we located some of the most cost-effective auto insurance providers in the state of Louisiana. According to our in-house market research, these companies offer the best auto insurance in Louisiana.

Cheap car insurance in Louisiana for young Louisiana drivers

The average annual premium for full coverage with Louisiana Farm Bureau is $2,872, making it an excellent choice for young Louisiana drivers on a budget. Compared to the state average, that's a hefty 57% less.

COMPANY 18-YEAR-OLD FEMALES 18-YEAR-OLD MALES
Allstate $5,575.32 $6,961.85
The General $7,420.29 $6,073.03
Louisiana Farm Bureau $2,872.44 $2,983.73
Progressive $16,427.62 $17,971.61
State Farm $5,190.02 $6,489.08
USAA $3,378.20 $3,511.57
Statewide Average $6,810.65 $7,331.81

Cheap car insurance for Louisiana drivers with a speeding ticket

With an annual premium of $1,498 on average, Louisiana Farm Bureau offers the most affordable full-coverage insurance for people with a previous speeding ticket. It is 14% more expensive than the rate for a driver with no previous traffic offenses.

COMPANY AVERAGE ANNUAL RATE
Louisiana Farm Bureau $1,498.36
USAA $1,803.73
State Farm $2,211.33
Average $1,837.81
The General $3,083.23
Allstate $3,196.67
Progressive $3,421.02
MetLife $5,094.08
AAA $5,709.13

Cheap auto insurance for Louisiana drivers after a car accident

For Louisiana drivers who have recently been involved in an at-fault accident, Louisiana Farm Bureau offers the lowest rates at $1,685 per year.

COMPANY AVERAGE ANNUAL RATE
Louisiana Farm Bureau $1,685.97
USAA $2,083.86
State Farm $2,361.10
Average $2,040.31
The General $3,400.81
Allstate $4,359.53
Progressive $4,529.48
MetLife $5,823.98
AAA $6846.44

Cheap car insurance quotes for Louisiana drivers with a DUI

With an average annual rate of $1,746, Louisiana Farm Bureau is the most affordable option for Louisiana drivers with a DUI.

COMPANY AVERAGE ANNUAL RATE
Louisiana Farm Bureau $1,746.81
Average $1,931.52
USAA $2,201.23
State Farm $2,211.33
Allstate $3,851.33
Progressive $3,877.76
The General $5,153.44
AAA $6,094.86
MetLife $8,025.74

Cheap car insurance for married Louisiana drivers

For married drivers, Farm Bureau offers the best rates. The next best option is State Farm with rate more expensive than the average discount for the state.

COMPANY Annual rate
Louisiana Farm Bureau $1,350
State Farm $1,990
Safeway $2,480
Progressive $2,960
The General $10,525
USAA $1,455

Cheap full coverage car insurance quotes for young drivers with an accident history

Farm Bureau has the lowest rates for young drivers with a recent at-fault accident on their record, with an average of $1,890 per year for minimum coverage.

COMPANY Annual rate
Louisiana Farm Bureau $1,890
State Farm $3,290
Safeway $4,995
The General $5,405
Progressive $8,295
USAA $2,100

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Compare Car Insurance Rates In Top Cities

The average full coverage policy in Louisiana costs $2160 a year, making it the most expensive state in the country for car insurance. Even though these averages can give you a good idea of how costs may vary, your car insurance rates are likely to be unique. Insuring a vehicle is affected by a number of factors, including the location in which it is kept.

CityAnnual Rate
Abbeville$3,665
Abita Springs$3,641
Acme$3,881
Addis$4,445
Aimwell$3,437
Akers$3,845
Albany$3,881
Alexandria$3,953
Ama$4,253
Amelia$3,221
Amite City$3,689
Anacoco$2,885
Angie$3,665
Angola$3,773
Arabi$5,477
Arcadia$3,065
Archibald$3,929
Arnaudville$3,569
Ashland$3,149
Athens$3,161
Atlanta$3,197
Avery Island$3,785
Avondale$5,117
Baker$4,301
Baldwin$3,581
Ball$3,605
Banks Springs$3,569
Barataria$4,409
Barksdale AFB$3,233
Basile$3,581
Baskin$3,353
Bastrop$3,545
Batchelor$3,845
Baton Rouge$4,565
Bawcomville$3,713
Bayou Blue$3,185
Bayou Cane$3,125
Bayou Country Club$3,077
Bayou Gauche$3,377
Bayou Goula$4,241
Bayou L'Ourse$3,281
Bayou Vista$3,209
Belcher$3,305
Bell City$3,641
Belle Chasse$4,541
Belle Rose$3,809
Belmont$3,125
Bentley$3,353
Benton$3,113
Bernice$3,185
Berwick$3,209
Bethany$3,305
Bienville$3,101
Blanchard$3,497
Bogalusa$3,677
Bonita$3,473
Boothville$3,977
Bordelonville$4,349
Bossier City$3,233
Bourg$3,173
Boutte$3,833
Boyce$3,737
Braithwaite$4,181
Branch$3,401
Breaux Bridge$3,629
Bridge City$5,105
Brittany$4,337
Broussard$3,653
Brownfields$4,841
Brownsville$3,713
Brusly$4,421
Bunkie$4,073
Buras$3,977
Burnside$4,445
Bush$3,677
Cade$3,557
Calhoun$3,689
Calvin$3,161
Cameron$3,713
Campti$3,209
Cankton$3,581
Carencro$3,653
Carlyss$3,581
Carville$4,193
Castor$3,089
Catahoula$3,581
Cecilia$3,629
Center Point$3,773
Centerville$3,965
Central$4,277
Chackbay$3,065
Chalmette$5,369
Charenton$3,569
Chase$3,329
Chataignier$3,737
Chatham$3,353
Chauvin$3,749
Cheneyville$3,833
Choudrant$3,209
Church Point$3,413
Claiborne$3,593
Clarence$3,221
Clarks$3,329
Clayton$3,473
Clinton$4,061
Cloutierville$3,449
Colfax$3,509
Collinston$3,473
Columbia$3,569
Convent$3,965
Converse$3,053
Cotton Valley$3,113
Cottonport$4,061
Coushatta$3,269
Covington$3,653
Creole$3,677
Crowley$3,425
Crowville$3,869
Cullen$3,125
Cut Off$3,233
Darrow$4,145
Delcambre$3,389
Delhi$3,281
Delta$3,245
Denham Springs$4,097
Dequincy$3,281
Deridder$3,077
Des Allemands$3,377
Destrehan$3,893
Deville$3,533
Dodson$3,281
Donaldsonville$4,073
Donner$3,317
Downsville$3,485
Doyline$3,077
Dry Creek$3,293
Dry Prong$3,377
Dubach$3,173
Dubberly$3,077
Dulac$3,701
Duplessis$4,049
Dupont$4,373
Duson$3,593
Eastwood$3,125
Echo$4,241
Eden Isle$3,857
Edgard$4,025
Effie$4,085
Egan$3,413
Elizabeth$3,413
Elm Grove$3,269
Elmer$3,545
Elmwood$4,613
Elton$3,497
Empire$3,977
Enterprise$3,401
Epps$3,305
Erath$3,401
Eros$3,629
Erwinville$4,313
Estelle$5,189
Estherwood$3,449
Ethel$3,953
Eunice$3,557
Evangeline$3,401
Evans$3,077
Evergreen$4,049
Fairbanks$3,737
Farmerville$3,281
Fenton$3,365
Ferriday$3,449
Fisher$3,065
Flatwoods$3,629
Flora$3,713
Florien$3,029
Fluker$3,761
Folsom$3,773
Fordoche$3,737
Forest$3,857
Forest Hill$3,497
Fort Jesup$3,197
Fort Necessity$3,365
Fort Polk$2,885
Fort Polk North$2,873
Fort Polk South$2,885
Franklin$3,437
Franklinton$3,665
French Settlement$4,049
Frierson$3,341
Galliano$3,389
Garden City$3,965
Gardere$4,265
Gardner$3,701
Garyville$4,037
Geismar$4,229
Georgetown$3,245
Gheens$3,161
Gibsland$3,125
Gibson$3,341
Gilbert$3,437
Gilliam$3,221
Glenmora$3,449
Gloster$3,305
Glynn$3,953
Golden Meadow$3,725
Goldonna$3,413
Gonzales$4,061
Gorum$4,037
Grambling$3,173
Gramercy$3,833
Grand Cane$3,161
Grand Chenier$3,617
Grand Coteau$3,605
Grand Isle$4,109
Grand Point$3,893
Grant$3,317
Gray$3,269
Grayson$3,341
Greensburg$3,833
Greenwell Springs$4,301
Greenwood$3,401
Gretna$5,333
Grosse Tete$3,845
Gueydan$3,485
Hackberry$3,641
Hahnville$3,977
Hall Summit$3,293
Hamburg$4,049
Hammond$3,833
Harahan$4,385
Harrisonburg$3,413
Harvey$5,405
Haughton$3,137
Hayes$3,617
Haynesville$3,113
Heflin$3,041
Hessmer$4,121
Hester$3,893
Hineston$3,521
Hodge$3,089
Holden$3,893
Homer$3,101
Hornbeck$2,861
Hosston$3,293
Houma$3,149
Husser$3,665
Ida$3,233
Independence$3,689
Innis$3,881
Inniswold$4,313
Iota$3,437
Iowa$3,497
Jackson$3,989
Jamestown$3,089
Jarreau$4,061
Jeanerette$3,641
Jefferson$4,865
Jena$3,317
Jennings$3,449
Jigger$3,881
Jones$3,401
Jonesboro$3,089
Jonesville$3,533
Joyce$3,725
Kaplan$3,497
Keatchie$3,281
Keithville$3,329
Kelly$3,341
Kenner$4,733
Kentwood$3,689
Kilbourne$3,305
Killian$3,881
Kinder$3,281
Kraemer$3,089
Krotz Springs$3,833
Kurthwood$2,897
La Place$4,229
Labadieville$3,257
Lacassine$3,521
Lacombe$3,713
Lafayette$3,713
Lafitte$4,505
Lafourche Crossing$3,089
Lake Arthur$3,365
Lake Charles$3,929
Lake Providence$3,377
Lakeland$3,677
Lakeshore$3,761
Lakeview$3,509
Laplace$4,241
Larose$3,209
Lawtell$3,581
Lebeau$3,905
Leblanc$3,365
Lecompte$3,773
Leesville$2,885
Lena$3,581
Leonville$3,593
Lettsworth$3,917
Libuse$3,809
Lillie$3,209
Lisbon$3,113
Livingston$3,905
Livonia$3,737
Lockport$3,173
Lockport Heights$3,173
Logansport$3,269
Longleaf$3,617
Longstreet$3,221
Longville$3,209
Loranger$3,701
Loreauville$3,413
Lottie$3,893
Luling$3,833
Lutcher$3,869
Lydia$3,785
Madisonville$3,641
Mamou$3,665
Mandeville$3,569
Mangham$3,413
Mansfield$3,089
Mansura$4,181
Many$3,029
Maringouin$3,833
Marion$3,257
Marksville$4,217
Marrero$5,213
Marthaville$3,125
Martin$3,269
Mathews$3,209
Maurepas$3,941
Maurice$3,389
Melrose$3,221
Melville$3,869
Mer Rouge$3,449
Meraux$5,321
Mermentau$3,413
Merrydale$4,961
Merryville$3,089
Metairie$4,625
Midway$3,305
Milton$3,713
Minden$3,101
Minorca$3,569
Mittie$3,353
Monroe$3,833
Montegut$3,305
Monterey$3,653
Montgomery$3,341
Monticello$4,841
Montz$4,289
Mooringsport$3,305
Mora$3,665
Moreauville$4,133
Morgan City$3,221
Morganza$3,761
Morrow$3,749
Morse$3,413
Moss Bluff$3,701
Mount Airy$4,073
Mount Hermon$3,665
Napoleonville$3,677
Natalbany$3,749
Natchez$3,209
Natchitoches$3,197
Negreet$3,641
New Iberia$3,689
New Llano$2,885
New Orleans$5,813
New Roads$3,929
New Sarpy$3,893
Newellton$3,317
Noble$3,029
Norco$4,061
North Hodge$3,077
North Vacherie$3,689
Norwood$3,977
Oak Grove$3,317
Oak Hills Place$4,277
Oak Ridge$3,425
Oakdale$3,461
Oberlin$3,377
Oil City$3,233
Old Jefferson$4,253
Olla$3,377
Opelousas$3,605
Oscar$3,857
Ossun$3,617
Otis$3,581
Paincourtville$3,701
Palmetto$3,893
Paradis$3,533
Patterson$3,185
Paulina$3,893
Pearl River$3,737
Pelican$3,185
Perry$3,665
Pierre Part$3,605
Pilottown$3,965
Pine Grove$3,989
Pine Prairie$3,689
Pineville$3,845
Pioneer$3,353
Pitkin$3,209
Plain Dealing$3,125
Plaquemine$4,289
Plattenville$3,749
Plaucheville$4,073
Pleasant Hill$3,005
Point Place$3,221
Pointe A La Hache$4,097
Pollock$3,449
Ponchatoula$3,773
Port Allen$4,493
Port Barre$3,665
Port Sulphur$3,977
Powhatan$3,737
Poydras$4,601
Prairieville$4,109
Presquille$3,161
Pride$3,977
Prien$3,953
Princeton$3,017
Provencal$3,125
Quitman$3,089
Raceland$3,257
Ragley$3,353
Rayne$3,473
Rayville$3,401
Red Chute$3,125
Reddell$3,689
Reeves$3,341
Reserve$4,085
Rhinehart$3,881
Richmond$3,221
Richwood$4,097
Ringgold$3,089
River Ridge$4,433
Roanoke$3,353
Robeline$3,221
Robert$3,929
Rodessa$3,281
Rosedale$3,857
Roseland$3,701
Rosepine$3,041
Rougon$4,085
Ruby$4,061
Ruston$3,137
Saline$3,089
Sarepta$3,065
Schriever$3,197
Scott$3,629
Shenandoah$4,253
Shongaloo$3,125
Shreveport$3,617
Sibley$3,065
Sicily Island$3,437
Sieper$3,677
Sikes$3,317
Simmesport$4,145
Simpson$2,885
Simsboro$3,113
Singer$3,149
Slagle$3,449
Slaughter$4,013
Slidell$3,905
Sondheimer$3,365
Sorrel$3,629
Sorrento$4,073
South Vacherie$3,689
Spearsville$3,197
Spokane$3,437
Springfield$3,869
Springhill$3,125
St. Amant$4,061
St. Benedict$4,049
St. Bernard$4,649
St. Francisville$3,773
St. Gabriel$4,265
St. James$3,905
St. Joseph$3,377
St. Landry$3,797
St. Martinville$3,605
St. Maurice$3,641
St. Rose$4,289
Stanley$3,257
Starks$3,449
Start$3,401
Sterlington$3,605
Stonewall$3,281
Sugartown$3,209
Sulphur$3,617
Summerfield$3,113
Sun$3,653
Sunset$3,617
Sunshine$4,277
Supreme$3,665
Swartz$3,749
Talisheek$3,653
Tallulah$3,221
Tangipahoa$3,677
Taylor$3,713
Terrytown$5,345
Theriot$3,269
Thibodaux$3,053
Tickfaw$3,761
Timberlane$5,321
Tioga$4,085
Transylvania$3,389
Triumph$3,977
Trout$3,305
Tullos$3,197
Tunica$3,893
Turkey Creek$3,677
Uncle Sam$4,337
Union$3,965
Urania$3,257
Vacherie$3,689
Varnado$4,133
Venice$3,953
Ventress$3,833
Vidalia$3,569
Village St. George$4,265
Ville Platte$3,701
Vinton$3,509
Violet$5,345
Vivian$3,233
Waggaman$5,105
Wakefield$3,797
Walker$4,001
Washington$3,761
Waterproof$3,437
Watson$4,337
Welcome$3,905
Welsh$3,305
West Monroe$3,665
Westlake$3,641
Westminster$4,265
Westwego$5,093
Weyanoke$3,797
White Castle$4,217
Wildsville$3,485
Wilson$3,977
Winnfield$3,173
Winnsboro$3,341
Wisner$3,401
Woodmere$5,453
Woodworth$3,797
Youngsville$3,641
Zachary$4,181
Zwolle$3,029

Cheap auto insurance in Louisiana with bad credit

COMPANY Avg. Annual Premium
The General $2,877
USAA $3,114
Southern Farm Bureau $3,730
Allstate $5,452
Safe Auto $5,490
Progressive $7,020
State Farm $11,238

Louisiana auto insurance rate by violation

Accident/Violation Avg. Annual Premium % Rate Increase $ Rate Increase
One Med/PIP claim $2,712 1% $10
None $2,712 1% $10
Not-at-fault accident $2,732 2% $21
Two Med/PIP claims $2,756 3% $55
One comp claim $2,756 3% $55
Two comp claims $2,900 8% $198
Failure to wear a seat belt $3,143 17% $442
Failure to show documents $3,204 19% $503
Driving without lights $3,248 21% $547
Child safety restraint $3,248 21% $547
Driving with expired registration $3,388 26% $686
Speeding 16 - 20 MPH over limit $3,429 28% $728
Driving too slowly $3,429 28% $728
Speeding in school zone $3,429 28% $728
Speeding 6 - 10 MPH over limit $3,429 28% $728
Speeding 11 - 15 MPH over limit $3,429 28% $728
Wrong way/wrong lane $3,455 29% $753
Texting while driving $3,455 29% $753
Cell phone violation $3,455 29% $753
Following too closely $3,481 29% $780
Failure to yield $3,481 29% $780
Failure to stop at a red light $3,481 29% $780
Improper passing $3,481 29% $780
Illegal turn $3,481 29% $780
Passing school bus $3,510 31% $808
Operating a vehicle without permission $3,527 31% $825
At-fault accident - less than $1000 $3,579 33% $878
Open container $3,609 34% $908
In 65 MPH zone $3,740 39% $1,038
Speeding 21 - 25 MPH over limit $3,832 42% $1,131
At-fault accident - $1000-$2000 $3,971 48% $1,270
At-fault accident - greater than $2000 $3,971 48% $1,270
Reckless driving $4,853 80% $2,151
Refusal to submit to a chemical test $4,875 81% $2,173
DUI $5,132 91% $2,431
Driving with a suspended license $5,193 93% $2,492
Racing $5,204 93% $2,503
Leaving scene of an accident/hit and run $5,230 94% $2,529

Car insurance price trends in Louisiana

Year Avg. Annual Premium — Louisiana Yearly Change — Louisiana Avg. Annual Premium — US Yearly Change — US
2021 $3,275 $971 $1,539 $56
2020 $2,314 $52 $1,493 -$51
2019 $2,272 -$96 $1,554 $33
2018 $2,378 $582 $1,531 $94
2017 $1,806 $244 $1,447 $79
2016 $1,572 -$313 $1,378 $98
2015 $1,895 $226 $1,290 $61
2014 $1,679 $165 $1,239 $44
2013 $1,524 -$53 $1,205 -$70
2012 $1,587 $333 $1,286 $92

How to Find The Best Car Insurance in Louisiana

To get the best car insurance in Louisiana, you'll have to consider your personal preferences and requirements. Be aware of state and lender requirements, which can be helpful. Individual preferences such as whether or not you'll need roadside assistance should also be considered. Compare online quotes and discounts for car insurance from the best providers, as well.

The "Consumer's Guide to Auto Insurance" published by the Louisiana Department of Insurance can help you learn more about the state's specific requirements. Your choice of auto insurance policy can be influenced by several different personal factors. If you still feel lost, get in touch with your insurance agent.

Reasons Why Auto Insurance Costs More in Louisiana

Louisiana has a higher rate of accident-related lawsuits than most states, which contributes to the high cost of car insurance in the state. As a result, insurance companies in Louisiana are more likely than those in other states to make large settlements in personal injury cases.

Things to Know About Car Insurance When Moving to Louisiana

  • Because of Louisiana's "No Pay, No Play" law, people who are injured in car accidents may be held liable for their losses. If you don't have insurance, you may not be able to get the compensation you deserve for your injuries.
  • There is a $15,000 bodily injury and $25,000 property damage limit on uninsured and underinsured drivers, even if the other driver is at fault.
  • It's common in Louisiana for car insurance to be bundled with a vehicle.

How to Get Discounts on Car Insurance in Louisiana

There are a variety of auto insurance discounts available in Louisiana, but they will vary from agency to agency. If you're changing insurance providers, see if they have a transition discount. You could be able to save money by moving. You can find out more from our car insurance discounts guide.

Auto Insurance Data Methodology

The auto insurance rates published in this guide are based on the results of research completed by Way.com’s data team. Using a mix of public and internal data, we analyzed millions of rate averages across U.S. ZIP codes.

Quotes are typically based on a full coverage policy average unless otherwise noted within the content.

These rates were publicly sourced from insurer filings and should be used for comparative purposes only — your own quotes will differ. Given this, it’s important to go through our insurance steps form to find how much you can save with way.com

Frequently Asked Questions

Who has the cheapest car insurance in Louisiana?

We compared the best car insurance companies in Louisiana and discovered that Louisiana Farm Bureau offers the best prices for both a minimum coverage package ($434 per year) and maximum coverage ($1733).

What is the average cost of auto insurance in Louisiana?

The average cost of auto insurance in Louisiana is $2225 a year, 55.9 percent higher than the national average. However, variables other than state lines influence auto insurance premiums.

Why is car insurance so expensive in Louisiana?

Because of various factors, including a high rate of uninsured drivers and a high rate of auto lawsuits, Louisiana remains one of the most costly states for automobile insurance. (Because cities have a higher number of drivers, more injuries are registered, resulting in higher premiums.)

How much is a ticket for no insurance in Louisiana?

For the first violation, you will be charged between $500 and $1000 if you do not have insurance.

What is the minimum auto insurance coverage in Louisiana?

Each vehicle in Louisiana is allowed to have liability limits of 15/30/25. These limits allow for payments of $15000 for bodily injury to a single person, $30000 for bodily injury to multiple people in a single accident, and $25000 for harm to someone else's car or other property.

What is full coverage auto insurance in Louisiana?

In Louisiana, full coverage insurance is typically characterized as a policy that offers more than the state's minimum liability coverage of $15000 in bodily injury coverage per person, up to $30000 per accident, and $25,000 in property damage coverage.

What happens if you get pulled over without insurance in Louisiana?

For the first violation, you will be charged between $500 and $1000 if you do not have insurance.

Does insurance follow the car or the driver in Louisiana?

In Louisiana, auto insurance typically follows the vehicle. In Louisiana, the following forms of auto insurance are available: bodily injury liability, personal injury liability, accident, and comprehensive. In Louisiana, you must bear personal injury and property damage liability insurance.

Is Louisiana a no-fault state for auto insurance?

No, Louisiana does not have a no-fault system. Louisiana is a tort (or at-fault) jurisdiction. That is the driver who causes an accident uses their insurance to cover the other driver's collision-related expenses.

Do I need uninsured motorist coverage in Louisiana?

Uninsured or underinsured motorist ("UM") policy covers you if you are involved in an accident with someone who does not have insurance or does not have adequate insurance to cover the losses. Under Louisiana law, the insurance provider must include UM compensation for bodily injury liability limits to all drivers.

Learn more by city and state for car insurance



Learn more by city and state for car insurance




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