MoneySaverCodes

Car Insurance in Louisiana: 2026 Rates & Guide

Louisiana is one of the most expensive states for car insurance. The average driver pays $218/month ($2616/year). Here's how to find the best rate for your situation.

$218

Avg Monthly

$2616

Avg Annual

#2

Cost Rank (1=priciest)

$162

Cheapest Option/mo

Advertisement

Cheapest Car Insurance Companies in Louisiana (2026)

Rates below are estimates for a 35-year-old driver with a clean record, good credit, and a 2020 Honda Civic.

Top insurers in Louisiana — sorted by average monthly rate

#CompanyEst. MonthlyRating
1
★ BestFarm Bureau
$162/mo4.5
2
State Farm
$168/mo4.4Get Quote
3
GEICO
$178/mo4.2Get Quote
4
Progressive
$192/mo4Get Quote
5
Allstate
$212/mo3.8Get Quote

Rates are estimates for a 35-year-old with good credit and a clean record. Your rate will vary.

Contains affiliate links — we may earn a commission at no cost to you.

Ready to get a quote?

Rates above are estimates — your actual quote may be lower. Takes 2 minutes.

State FarmGEICOSee discount codes →

Louisiana Car Insurance Requirements

Minimum Coverage: 15/30/25

Louisiana is an at-fault state. The driver who causes an accident is financially responsible.

Louisiana Insurance Facts

Louisiana is consistently one of the most expensive states for car insurance due to high litigation rates and a plaintiff-friendly legal environment.
New Orleans and Baton Rouge drivers pay 30–50% more than rural Louisiana due to theft rates and accident frequency.
Hurricane and flood risk significantly increases comprehensive premiums across the state.

Advertisement

How to Get Cheaper Car Insurance in Louisiana

1

Compare at least 3–5 quotes

Rates vary by 40–60% between companies for the same driver profile.

2

Raise your deductible

Going from $500 to $1,000 deductible typically saves 10–15% on comprehensive/collision.

3

Bundle home + auto

Multi-policy discounts average 15–25% across major insurers.

4

Try usage-based insurance

Telematics programs like Progressive Snapshot can save up to 30% for safe drivers.

5

Ask about all discounts

Good student, military, professional association, and low-mileage discounts are often unclaimed.

6

Improve your credit score

In most states, a good credit score can lower premiums by 20–50%.

Car Insurance in Louisiana — FAQs

What is the average cost of car insurance in Louisiana?
The average car insurance cost in Louisiana is $218 per month ($2616 per year) for a driver with a clean record and good credit. Your actual rate will vary based on your age, vehicle, and driving history.
What is the minimum car insurance required in Louisiana?
Louisiana requires minimum liability coverage of 15/30/25 (bodily injury per person / bodily injury per accident / property damage). This is a tort (at-fault) state.
Which company has the cheapest car insurance in Louisiana?
Based on our research, Farm Bureau offers the lowest average rate in Louisiana at around $162/month. However, the cheapest insurer for you will depend on your specific profile — we always recommend getting at least 3 quotes.
Is Louisiana a no-fault car insurance state?
No, Louisiana is an at-fault (tort) state. The driver who caused the accident is responsible for covering the other party's damages through their liability insurance.
How can I lower my car insurance in Louisiana?
The most effective ways to lower your car insurance in Louisiana include: (1) comparing quotes from at least 3 insurers, (2) raising your deductible, (3) bundling with home or renters insurance, (4) asking about usage-based/telematics discounts, and (5) improving your credit score where allowed.

Advertisement

Explore Other States

Alabama$130Alaska$88Arizona$138Arkansas$126California$156Colorado$144Connecticut$162Delaware$178