Why Compare Car Insurance Rates in Louisiana:
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.
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.
Car insurance rates from Farm Bureau are the cheapest in the state of Louisiana. It costs just $483 a year for minimum coverage. Statefarm is the next in this list with $502 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.
| Company | Annual Premium |
|---|---|
| Louisiana Farm Bureau | $483 |
| State Farm | $502 |
| Progressive | $607 |
| AAA | $796 |
| Allstate | $1,169 |
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.
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:
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 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).
The Louisiana Office of Motor Vehicles (OMV) accepts the following as proof of insurance:
There is a minimum liability policy in Louisiana that costs $1,020 per year, or $85 per month, on average. Refer the following table to get the numbers of the different insurance quotes.
| Company | Annual Premium |
|---|---|
| Louisiana Farm Bureau | $1,020 |
| State Farm | $1,213 |
| Progressive | $1,842 |
| AAA | $2,084 |
| Allstate | $3,453 |
Louisiana Rates for Teen Drivers
| Company | female | male |
|---|---|---|
| Allstate | $7512 | $8559 |
| State Farm | $3852 | $4759 |
| Progressive | $5449 | $5779 |
Louisiana Rates for Seniors
| Company | Annual Premium |
|---|---|
| Allstate | $3519 |
| State Farm | $1260 |
| Progressive | $2129 |
| Louisiana Farm Bureau | $1258 |
| AAA | $2311 |
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.
| Company | Annual Premium |
|---|---|
| Allstate | $4369 |
| State Farm | $2898 |
| Progressive | $3489 |
| Louisiana Farm Bureau | $1829 |
| AAA | $5310 |
The average annual premium for full coverage with Louisiana Farm Bureau is $1558, making it an excellent choice for young Louisiana drivers on a budget.
Louisiana Rates for Young Adults
| Company | Annual Premium |
|---|---|
| Allstate | $3845 |
| State Farm | $1539 |
| Progressive | $2405 |
| Louisiana Farm Bureau | $1558 |
| AAA | $2583 |
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 |
| USAA | $1,803 |
| State Farm | $2,211 |
| Average | $1,837 |
| Allstate | $3,196 |
| Progressive | $3,421 |
| MetLife | $5,094 |
| AAA | $5,709 |
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 |
| USAA | $2,083 |
| State Farm | $2,361 |
| Average | $2,040 |
| Allstate | $4,359 |
| Progressive | $4,529 |
| MetLife | $5,823 |
| AAA | $6846 |
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 |
| Average | $1,931 |
| USAA | $2,201 |
| State Farm | $2,211 |
| Allstate | $3,851 |
| Progressive | $3,877 |
| AAA | $6,094 |
| MetLife | $8,025 |
For married drivers, Farm Bureau offers the best rates. The net 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 |
| USAA | $1,455 |
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 |
| Progressive | $8,295 |
| USAA | $2,100 |
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.
| City | Annual 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 |
|---|---|
| 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 |
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.
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.
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.
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
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).
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.
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.)
For the first violation, you will be charged between $500 and $1000 if you do not have insurance.
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.
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.
For the first violation, you will be charged between $500 and $1000 if you do not have insurance.
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.
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.
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.
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