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Average cost of car insurance in Louisiana for 2024
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Powered by Coverage.com (NPN: 19966249)
Coverage.com, LLC is a licensed insurance producer (NPN: 19966249). Coverage.com services are only available in states where it is licensed. Coverage.com may not offer insurance coverage in all states or scenarios. All insurance products are governed by the terms in the applicable insurance policy, and all related decisions (such as approval for coverage, premiums, commissions and fees) and policy obligations are the sole responsibility of the underwriting insurer. The information on this site does not modify any insurance policy terms in any way.
How much is car insurance in Louisiana?
Louisiana drivers pay a relatively high average rate for their car insurance policies. Based on data sourced from Quadrant Information Services, Bankrate's insurance editorial team discovered that the average cost of a full coverage policy in the Bayou State is $3,744, while state-mandated minimum coverage averages $988 a year. This is higher than the national average rates, which are $2,458 for full and $678 for minimum coverage insurance. The Bankrate team took a close look at the reasons for these high rates and what you can do to keep your own policy affordable, and created this guide to help you find the best Louisiana car insurance for your situation.
Key takeaways
- On average, full coverage car insurance in Louisiana costs $312 per month.
- Minimum coverage car insurance in Louisiana costs an average of $82 per month.
- Drivers in New Orleans pay an average of $4,752 annually for full coverage, while drivers in Sulphur pay just $3,463, on average.
- An at-fault accident typically increases full coverage car insurance premiums in Louisiana by about 37 percent more.
- Of the vehicle models we analyzed, Ford F-150s were the cheapest to insure in Louisiana at an average of $3,645 per year for full coverage.
What would you like to do today?
Louisiana car insurance rates by city
Car insurance rates in Louisiana can be higher or lower than average based on your city. Larger metropolitan areas like New Orleans may have more vehicles on the road (which makes accidents more likely) and may have higher costs of living (which makes claims more expensive). These factors typically equate to higher rates than one might find in less densely populated cities. Here are 10 of the biggest cities in Louisiana and the average annual car insurance rate in each:
Sorry, we don't have enough data yet on this city yet!
But these other cities in the state may give you some insight.
| City | Avg. monthly full coverage premium | Avg. annual full coverage premium | Avg. savings vs. state average |
|---|---|---|---|
| Metairie | $342 | $4,099 | +9% |
| Arabi | $419 | $5,027 | +29% |
| Garyville | $315 | $3,780 | +1% |
| Gretna | $405 | $4,862 | +26% |
| Pilottown | $331 | $3,971 | +6% |
| Violet | $411 | $4,934 | +27% |
| Bogalusa | $298 | $3,581 | -4% |
| Maurepas | $312 | $3,748 | +0% |
| Gramercy | $313 | $3,753 | +0% |
| Kenner | $355 | $4,256 | +13% |
| La Place | $335 | $4,025 | +7% |
| Braithwaite | $363 | $4,361 | +15% |
| Luling | $300 | $3,595 | -4% |
| Mount Airy | $318 | $3,815 | +2% |
| New Orleans | $396 | $4,752 | +24% |
| Robert | $308 | $3,692 | -1% |
| Robeline | $248 | $2,972 | -23% |
| Simpson | $238 | $2,862 | -27% |
| Bush | $277 | $3,329 | -12% |
| Baton Rouge | $333 | $3,998 | +7% |
| Dubberly | $238 | $2,856 | -27% |
| Gloster | $249 | $2,991 | -22% |
| Homer | $251 | $3,007 | -22% |
| Minden | $239 | $2,868 | -26% |
| Chalmette | $417 | $5,008 | +29% |
| Marrero | $403 | $4,835 | +25% |
| Covington | $280 | $3,359 | -11% |
| Franklinton | $297 | $3,563 | -5% |
| Kentwood | $302 | $3,628 | -3% |
| Lacombe | $287 | $3,438 | -9% |
| Plain Dealing | $236 | $2,832 | -28% |
| Saline | $261 | $3,129 | -18% |
| Shongaloo | $239 | $2,864 | -27% |
| Shreveport | $264 | $3,168 | -17% |
| Bonita | $259 | $3,113 | -18% |
| Collinston | $260 | $3,124 | -18% |
| Belle Chasse | $368 | $4,418 | +17% |
| Destrehan | $305 | $3,658 | -2% |
| Harvey | $409 | $4,905 | +27% |
| Norco | $314 | $3,773 | +1% |
| Reserve | $326 | $3,910 | +4% |
| Angie | $297 | $3,565 | -5% |
| Fenton | $280 | $3,361 | -11% |
| Hackberry | $289 | $3,466 | -8% |
| Ragley | $277 | $3,320 | -12% |
| Denham Springs | $322 | $3,861 | +3% |
| Baker | $327 | $3,929 | +5% |
| Darrow | $333 | $3,995 | +6% |
| Ethel | $315 | $3,785 | +1% |
| Holden | $313 | $3,759 | +0% |
| Lottie | $307 | $3,690 | -1% |
| Plaquemine | $323 | $3,875 | +3% |
| Bossier City | $243 | $2,920 | -25% |
| Calhoun | $276 | $3,315 | -12% |
| Jonesboro | $241 | $2,891 | -26% |
| Angola | $309 | $3,706 | -1% |
| Gonzales | $326 | $3,917 | +5% |
| Jackson | $325 | $3,903 | +4% |
| Prairieville | $325 | $3,903 | +4% |
| Walker | $317 | $3,810 | +2% |
| Husser | $302 | $3,626 | -3% |
| Saint Benedict | $308 | $3,698 | -1% |
| Oberlin | $277 | $3,320 | -12% |
| Reeves | $279 | $3,344 | -11% |
| Geismar | $332 | $3,982 | +6% |
| Paulina | $308 | $3,701 | -1% |
| Elizabeth | $278 | $3,333 | -12% |
| Longville | $269 | $3,226 | -15% |
| Vinton | $283 | $3,392 | -10% |
| Brusly | $317 | $3,800 | +1% |
| Clinton | $316 | $3,796 | +1% |
| Morganza | $306 | $3,675 | -2% |
| Sunshine | $327 | $3,919 | +5% |
| Barataria | $364 | $4,363 | +15% |
| Paradis | $293 | $3,511 | -6% |
| Venice | $346 | $4,156 | +10% |
| Kinder | $275 | $3,295 | -13% |
| Sulphur | $289 | $3,463 | -8% |
| Convent | $319 | $3,831 | +2% |
| Dequincy | $276 | $3,311 | -12% |
| Pitkin | $261 | $3,130 | -18% |
| Singer | $265 | $3,177 | -16% |
| Starks | $281 | $3,375 | -10% |
| French Settlement | $323 | $3,880 | +4% |
| Saint Francisville | $310 | $3,724 | -1% |
| Ventress | $308 | $3,694 | -1% |
| Thibodaux | $270 | $3,246 | -14% |
| Bourg | $278 | $3,335 | -12% |
| Golden Meadow | $289 | $3,464 | -8% |
| Mathews | $279 | $3,348 | -11% |
| Napoleonville | $292 | $3,508 | -6% |
| Center Point | $306 | $3,670 | -2% |
| Jena | $250 | $2,994 | -22% |
| Jonesville | $264 | $3,166 | -17% |
| Melville | $304 | $3,644 | -3% |
| Vidalia | $261 | $3,128 | -18% |
| Aimwell | $258 | $3,097 | -19% |
| Colfax | $266 | $3,196 | -16% |
| Dodson | $251 | $3,011 | -22% |
| Joyce | $297 | $3,560 | -5% |
| Alexandria | $311 | $3,732 | -0% |
| Deville | $289 | $3,472 | -8% |
| Lebeau | $295 | $3,540 | -6% |
| Pineville | $308 | $3,696 | -1% |
| Saint Joseph | $259 | $3,103 | -19% |
| Cloutierville | $263 | $3,153 | -17% |
| Enterprise | $255 | $3,058 | -20% |
| Monroe | $287 | $3,448 | -8% |
| Chatham | $250 | $2,998 | -22% |
| Start | $266 | $3,198 | -16% |
| Weyanoke | $313 | $3,757 | +0% |
| Baskin | $253 | $3,033 | -21% |
| Bastrop | $260 | $3,124 | -18% |
| Choudrant | $245 | $2,936 | -24% |
| Fairbanks | $281 | $3,372 | -10% |
| Effie | $319 | $3,832 | +2% |
| Simmesport | $331 | $3,973 | +6% |
| Longleaf | $289 | $3,471 | -8% |
| Many | $240 | $2,879 | -26% |
| Natchitoches | $252 | $3,025 | -21% |
| Greensburg | $305 | $3,664 | -2% |
| Pine Grove | $307 | $3,689 | -1% |
| Meraux | $406 | $4,872 | +26% |
| Saint Bernard | $398 | $4,776 | +24% |
| Slidell | $300 | $3,597 | -4% |
| Archibald | $290 | $3,483 | -7% |
| Delhi | $253 | $3,039 | -21% |
| Delta | $248 | $2,971 | -23% |
| Dubach | $240 | $2,880 | -26% |
| Lillie | $255 | $3,059 | -20% |
| Oak Ridge | $258 | $3,097 | -19% |
| Ruston | $235 | $2,822 | -28% |
| Simsboro | $237 | $2,840 | -27% |
| Sondheimer | $253 | $3,036 | -21% |
| West Monroe | $275 | $3,303 | -13% |
| Belcher | $248 | $2,979 | -23% |
| Gilliam | $246 | $2,946 | -24% |
| Greenwood | $254 | $3,046 | -21% |
| Haynesville | $250 | $3,005 | -22% |
| Bunkie | $319 | $3,824 | +2% |
| Arcadia | $245 | $2,937 | -24% |
| Benton | $239 | $2,870 | -26% |
| Frierson | $239 | $2,869 | -26% |
| Gibsland | $248 | $2,979 | -23% |
| Hosston | $247 | $2,969 | -23% |
| Jamestown | $251 | $3,018 | -21% |
| Abbeville | $279 | $3,352 | -11% |
| Delcambre | $277 | $3,326 | -12% |
| New Iberia | $286 | $3,429 | -9% |
| Opelousas | $297 | $3,569 | -5% |
| Lake Charles | $307 | $3,683 | -2% |
| Lafitte | $369 | $4,434 | +17% |
| Lutcher | $309 | $3,709 | -1% |
| Westwego | $389 | $4,665 | +22% |
| Pearl River | $286 | $3,435 | -9% |
| Ashland | $248 | $2,975 | -23% |
| Logansport | $246 | $2,947 | -24% |
| Elm Grove | $245 | $2,937 | -24% |
| Stonewall | $248 | $2,970 | -23% |
| Summerfield | $250 | $3,004 | -22% |
| Varnado | $320 | $3,845 | +3% |
| Carencro | $301 | $3,609 | -4% |
| Jennings | $273 | $3,277 | -13% |
| Port Barre | $301 | $3,611 | -4% |
| Creole | $293 | $3,521 | -6% |
| Acme | $272 | $3,266 | -14% |
| Harrisonburg | $258 | $3,093 | -19% |
| Trout | $249 | $2,984 | -23% |
| Hornbeck | $251 | $3,008 | -22% |
| Leesville | $254 | $3,045 | -21% |
| Des Allemands | $286 | $3,435 | -9% |
| Heflin | $240 | $2,875 | -26% |
| Lisbon | $253 | $3,041 | -21% |
| Forest | $289 | $3,468 | -8% |
| Keithville | $252 | $3,021 | -21% |
| Mansfield | $239 | $2,867 | -27% |
| Barksdale Afb | $236 | $2,836 | -28% |
| Castor | $252 | $3,027 | -21% |
| Keatchie | $247 | $2,967 | -23% |
| Mooringsport | $249 | $2,987 | -22% |
| Sibley | $239 | $2,866 | -27% |
| Bethany | $251 | $3,010 | -22% |
| Bienville | $254 | $3,046 | -21% |
| Coushatta | $254 | $3,052 | -20% |
| Ida | $246 | $2,951 | -24% |
| Longstreet | $244 | $2,931 | -24% |
| Pleasant Hill | $247 | $2,962 | -23% |
| Taylor | $279 | $3,346 | -11% |
| Jigger | $280 | $3,359 | -11% |
| Mangham | $259 | $3,104 | -19% |
| Marion | $262 | $3,141 | -18% |
| Oak Grove | $253 | $3,033 | -21% |
| Cotton Valley | $241 | $2,887 | -26% |
| Goldonna | $258 | $3,091 | -19% |
| Hall Summit | $254 | $3,046 | -21% |
| Powhatan | $284 | $3,406 | -9% |
| Rodessa | $247 | $2,968 | -23% |
| Saint Rose | $319 | $3,825 | +2% |
| Vacherie | $298 | $3,578 | -5% |
| Madisonville | $277 | $3,328 | -12% |
| Lafayette | $300 | $3,605 | -4% |
| Loreauville | $281 | $3,376 | -10% |
| Pine Prairie | $297 | $3,568 | -5% |
| Mandeville | $278 | $3,332 | -12% |
| Branch | $277 | $3,322 | -12% |
| Church Point | $287 | $3,447 | -8% |
| Evangeline | $271 | $3,252 | -14% |
| Gueydan | $280 | $3,360 | -11% |
| Maurice | $279 | $3,346 | -11% |
| Turkey Creek | $296 | $3,558 | -5% |
| Welsh | $269 | $3,232 | -15% |
| Clarks | $253 | $3,030 | -21% |
| Florien | $240 | $2,879 | -26% |
| Bernice | $255 | $3,062 | -20% |
| Crowville | $280 | $3,356 | -11% |
| Eros | $258 | $3,101 | -19% |
| Lake Providence | $258 | $3,094 | -19% |
| Pioneer | $252 | $3,024 | -21% |
| Sterlington | $274 | $3,283 | -13% |
| Iowa | $290 | $3,484 | -7% |
| Merryville | $267 | $3,203 | -16% |
| Westlake | $297 | $3,563 | -5% |
| Albany | $312 | $3,747 | +0% |
| Batchelor | $310 | $3,717 | -1% |
| Fordoche | $305 | $3,660 | -2% |
| Jarreau | $305 | $3,666 | -2% |
| Krotz Springs | $297 | $3,558 | -5% |
| Lakeland | $305 | $3,656 | -2% |
| Lettsworth | $320 | $3,844 | +3% |
| Livonia | $303 | $3,631 | -3% |
| Wilson | $318 | $3,817 | +2% |
| Fort Necessity | $252 | $3,028 | -21% |
| Jones | $255 | $3,064 | -20% |
| Rayville | $260 | $3,122 | -18% |
| Dupont | $342 | $4,100 | +9% |
| Marksville | $328 | $3,933 | +5% |
| Rhinehart | $293 | $3,518 | -6% |
| Saint Landry | $309 | $3,706 | -1% |
| Waterproof | $258 | $3,099 | -19% |
| Kurthwood | $239 | $2,866 | -27% |
| Duplessis | $340 | $4,080 | +9% |
| Grosse Tete | $312 | $3,746 | +0% |
| Livingston | $313 | $3,756 | +0% |
| Rougon | $308 | $3,695 | -1% |
| Sorrento | $327 | $3,926 | +5% |
| Grayson | $256 | $3,075 | -20% |
| Pelican | $243 | $2,919 | -25% |
| Oakdale | $286 | $3,428 | -9% |
| Winnfield | $250 | $2,999 | -22% |
| Hayes | $289 | $3,471 | -8% |
| Lacassine | $281 | $3,368 | -11% |
| Rosepine | $246 | $2,947 | -24% |
| Sugartown | $266 | $3,191 | -16% |
| Addis | $318 | $3,821 | +2% |
| Brittany | $345 | $4,138 | +10% |
| Slaughter | $319 | $3,830 | +2% |
| Erath | $278 | $3,332 | -12% |
| Franklin | $273 | $3,278 | -13% |
| Leblanc | $278 | $3,335 | -12% |
| Glynn | $307 | $3,680 | -2% |
| Burnside | $344 | $4,129 | +10% |
| Greenwell Springs | $324 | $3,894 | +4% |
| Wakefield | $312 | $3,739 | -0% |
| Evergreen | $320 | $3,834 | +2% |
| Ruby | $318 | $3,816 | +2% |
| Wildsville | $259 | $3,109 | -19% |
| Bentley | $263 | $3,158 | -17% |
| Calvin | $257 | $3,088 | -19% |
| Campti | $256 | $3,069 | -20% |
| Forest Hill | $285 | $3,425 | -9% |
| Bordelonville | $335 | $4,017 | +7% |
| Chase | $257 | $3,089 | -19% |
| Hamburg | $313 | $3,751 | +0% |
| Libuse | $298 | $3,576 | -5% |
| Wisner | $253 | $3,042 | -21% |
| Dry Prong | $265 | $3,177 | -16% |
| Flatwoods | $286 | $3,434 | -9% |
| Flora | $289 | $3,464 | -8% |
| Gardner | $292 | $3,502 | -7% |
| Lena | $283 | $3,401 | -10% |
| Montgomery | $257 | $3,081 | -19% |
| Mora | $279 | $3,344 | -11% |
| Olla | $251 | $3,008 | -22% |
| Sieper | $287 | $3,449 | -8% |
| Baldwin | $275 | $3,304 | -12% |
| Lake Arthur | $271 | $3,258 | -14% |
| Spearsville | $255 | $3,062 | -20% |
| Springfield | $310 | $3,724 | -1% |
| Tangipahoa | $302 | $3,622 | -3% |
| Centerville | $301 | $3,614 | -4% |
| Crowley | $276 | $3,309 | -12% |
| Duson | $299 | $3,590 | -4% |
| Kaplan | $271 | $3,254 | -14% |
| Rayne | $277 | $3,323 | -12% |
| Scott | $299 | $3,586 | -4% |
| Basile | $285 | $3,417 | -9% |
| Egan | $272 | $3,267 | -14% |
| Elton | $275 | $3,304 | -12% |
| Eunice | $290 | $3,476 | -7% |
| Reddell | $295 | $3,541 | -6% |
| Roanoke | $271 | $3,253 | -14% |
| Youngsville | $300 | $3,603 | -4% |
| Melrose | $256 | $3,074 | -20% |
| Deridder | $253 | $3,041 | -21% |
| Evans | $258 | $3,100 | -19% |
| Mittie | $278 | $3,333 | -12% |
| Avery Island | $289 | $3,463 | -8% |
| Washington | $294 | $3,529 | -6% |
| Sun | $283 | $3,402 | -10% |
| Talisheek | $277 | $3,323 | -12% |
| Tickfaw | $306 | $3,669 | -2% |
| Charenton | $276 | $3,311 | -12% |
| Ville Platte | $300 | $3,599 | -4% |
| Ama | $308 | $3,701 | -1% |
| Akers | $306 | $3,667 | -2% |
| Folsom | $292 | $3,508 | -7% |
| Mount Hermon | $302 | $3,619 | -3% |
| Ponchatoula | $303 | $3,633 | -3% |
| Fluker | $304 | $3,653 | -2% |
| Otis | $288 | $3,453 | -8% |
| Provencal | $247 | $2,970 | -23% |
| Boutte | $299 | $3,593 | -4% |
| Pointe A La Hache | $344 | $4,133 | +10% |
| Port Sulphur | $352 | $4,219 | +12% |
| Saint James | $316 | $3,789 | +1% |
| Amite | $299 | $3,587 | -4% |
| Independence | $304 | $3,648 | -3% |
| Loranger | $304 | $3,647 | -3% |
| Roseland | $299 | $3,586 | -4% |
| Clayton | $258 | $3,095 | -19% |
| Echo | $328 | $3,936 | +5% |
| Boyce | $295 | $3,536 | -6% |
| Elmer | $285 | $3,423 | -9% |
| Hineston | $279 | $3,349 | -11% |
| Natchez | $256 | $3,072 | -20% |
| Fort Polk | $254 | $3,042 | -21% |
| Grand Cane | $242 | $2,910 | -25% |
| Oil City | $245 | $2,941 | -24% |
| Princeton | $238 | $2,860 | -27% |
| Ringgold | $251 | $3,007 | -22% |
| Vivian | $245 | $2,946 | -24% |
| Arnaudville | $293 | $3,515 | -6% |
| Morgan City | $271 | $3,251 | -14% |
| Donner | $280 | $3,362 | -11% |
| Dulac | $291 | $3,492 | -7% |
| Galliano | $291 | $3,488 | -7% |
| Larose | $279 | $3,344 | -11% |
| Lockport | $275 | $3,296 | -13% |
| Gheens | $275 | $3,297 | -13% |
| Labadieville | $286 | $3,428 | -9% |
| Perry | $277 | $3,324 | -12% |
| Winnsboro | $252 | $3,029 | -21% |
| Gilbert | $254 | $3,042 | -21% |
| Monterey | $268 | $3,210 | -15% |
| Moreauville | $331 | $3,967 | +6% |
| Newellton | $255 | $3,057 | -20% |
| Ball | $290 | $3,480 | -7% |
| Clarence | $255 | $3,064 | -20% |
| Fisher | $243 | $2,912 | -25% |
| Glenmora | $281 | $3,368 | -11% |
| Chauvin | $289 | $3,473 | -8% |
| Donaldsonville | $323 | $3,873 | +3% |
| Pierre Part | $297 | $3,558 | -5% |
| Grand Isle | $313 | $3,760 | +0% |
| Gray | $281 | $3,371 | -10% |
| Berwick | $264 | $3,163 | -17% |
| Gibson | $283 | $3,399 | -10% |
| Patterson | $263 | $3,150 | -17% |
| Sikes | $251 | $3,016 | -22% |
| Slagle | $270 | $3,239 | -14% |
| Tioga | $310 | $3,725 | -0% |
| Urania | $249 | $2,991 | -22% |
| Dry Creek | $267 | $3,198 | -16% |
| Grand Chenier | $287 | $3,446 | -8% |
| Grant | $279 | $3,347 | -11% |
| Carville | $323 | $3,875 | +3% |
| Athens | $250 | $3,006 | -22% |
| Doyline | $241 | $2,897 | -25% |
| Haughton | $240 | $2,878 | -26% |
| Sarepta | $235 | $2,822 | -28% |
| Springhill | $237 | $2,845 | -27% |
| Erwinville | $317 | $3,802 | +2% |
| New Roads | $306 | $3,668 | -2% |
| Norwood | $308 | $3,700 | -1% |
| Pride | $316 | $3,796 | +1% |
| Watson | $337 | $4,044 | +8% |
| Epps | $253 | $3,037 | -21% |
| Mer Rouge | $258 | $3,099 | -19% |
| Tallulah | $246 | $2,954 | -24% |
| Abita Springs | $281 | $3,369 | -11% |
| Hessmer | $327 | $3,924 | +5% |
| Mansura | $331 | $3,968 | +6% |
| Morrow | $303 | $3,636 | -3% |
| Anacoco | $254 | $3,044 | -21% |
| Atlanta | $251 | $3,013 | -22% |
| Columbia | $267 | $3,202 | -16% |
| Georgetown | $251 | $3,011 | -22% |
| Kelly | $253 | $3,034 | -21% |
| Belle Rose | $312 | $3,745 | +0% |
| Schriever | $279 | $3,354 | -11% |
| Houma | $279 | $3,353 | -11% |
| Plattenville | $303 | $3,637 | -3% |
| Hammond | $308 | $3,693 | -1% |
| Raceland | $272 | $3,261 | -14% |
| Ferriday | $259 | $3,109 | -19% |
| Lecompte | $298 | $3,570 | -5% |
| Plaucheville | $326 | $3,917 | +5% |
| Sicily Island | $258 | $3,096 | -19% |
| Converse | $244 | $2,928 | -24% |
| Gorum | $299 | $3,593 | -4% |
| Marthaville | $251 | $3,009 | -22% |
| Cut Off | $280 | $3,354 | -11% |
| Montegut | $283 | $3,390 | -10% |
| Downsville | $256 | $3,074 | -20% |
| Hodge | $240 | $2,884 | -26% |
| Quitman | $240 | $2,877 | -26% |
| Transylvania | $256 | $3,071 | -20% |
| Broussard | $290 | $3,476 | -7% |
| Chataignier | $299 | $3,594 | -4% |
| Estherwood | $274 | $3,287 | -13% |
| Garden City | $300 | $3,602 | -4% |
| Iota | $276 | $3,310 | -12% |
| Jeanerette | $278 | $3,338 | -11% |
| Mamou | $291 | $3,497 | -7% |
| Mermentau | $268 | $3,220 | -15% |
| Morse | $273 | $3,279 | -13% |
| Sunset | $296 | $3,554 | -5% |
| Bell City | $292 | $3,499 | -7% |
| Cameron | $291 | $3,492 | -7% |
| Noble | $242 | $2,899 | -25% |
| Woodworth | $298 | $3,577 | -5% |
| Zwolle | $240 | $2,875 | -26% |
| Innis | $309 | $3,712 | -1% |
| Maringouin | $312 | $3,743 | -0% |
| Oscar | $308 | $3,697 | -1% |
| Port Allen | $327 | $3,923 | +5% |
| Rosedale | $313 | $3,761 | +0% |
| Saint Amant | $323 | $3,873 | +3% |
| Saint Gabriel | $328 | $3,939 | +5% |
| Tunica | $318 | $3,811 | +2% |
| White Castle | $325 | $3,900 | +4% |
| Zachary | $322 | $3,867 | +3% |
| Uncle Sam | $342 | $4,101 | +9% |
| New Llano | $250 | $3,004 | -22% |
| Pollock | $262 | $3,138 | -18% |
| Buras | $348 | $4,174 | +11% |
| Edgard | $319 | $3,831 | +2% |
| Hahnville | $310 | $3,722 | -1% |
| Negreet | $290 | $3,474 | -7% |
| Tullos | $247 | $2,965 | -23% |
| Grambling | $241 | $2,897 | -26% |
| Saint Maurice | $283 | $3,390 | -10% |
| Cheneyville | $303 | $3,639 | -3% |
| Cottonport | $326 | $3,914 | +4% |
| Palmetto | $299 | $3,588 | -4% |
| Belmont | $244 | $2,924 | -25% |
| Theriot | $286 | $3,429 | -9% |
| Kilbourne | $0 | $0 | -200% |
Average car insurance costs by age and gender in Louisiana
Louisiana car insurance rates vary by age, as is the case in other states. Younger drivers pay some of the highest premiums, even when added to their parents’ policies, due to their inexperience and increased likelihood of being involved in an accident.
Males tend to pay higher rates than females, as well. This is because men are statistically more likely to engage in risky driving behavior than women. Rates can creep up again for seniors, as well — although they generally aren’t as high as teen rates so long as the driver has a clean driving record.
|
|
|
|
|---|---|---|
|
Age 16*
|
Average annual full coverage premium in LA
$8,806
|
Average minimum coverage premium in LA
$2,907
|
|
Age 18
|
Average annual full coverage premium in LA
$11,048
|
Average minimum coverage premium in LA
$3,638
|
|
Age 20
|
Average annual full coverage premium in LA
$8,201
|
Average minimum coverage premium in LA
$2,508
|
|
Age 25
|
Average annual full coverage premium in LA
$4,644
|
Average minimum coverage premium in LA
$1,291
|
|
Age 30
|
Average annual full coverage premium in LA
$3,957
|
Average minimum coverage premium in LA
$1,042
|
|
Age 40
|
Average annual full coverage premium in LA
$3,742
|
Average minimum coverage premium in LA
$985
|
|
Age 50
|
Average annual full coverage premium in LA
$3,467
|
Average minimum coverage premium in LA
$918
|
|
Age 60
|
Average annual full coverage premium in LA
$3,422
|
Average minimum coverage premium in LA
$918
|
|
Age 70
|
Average annual full coverage premium in LA
$3,670
|
Average minimum coverage premium in LA
$1,044
|
|
|
|
|
|---|---|---|
|
Age 16*
|
Average annual full coverage premium in LA
$8,142
|
Average minimum coverage premium in LA
$2,781
|
|
Age 18
|
Average annual full coverage premium in LA
$10,381
|
Average minimum coverage premium in LA
$3,392
|
|
Age 20
|
Average annual full coverage premium in LA
$7,267
|
Average minimum coverage premium in LA
$2,288
|
|
Age 25
|
Average annual full coverage premium in LA
$4,406
|
Average minimum coverage premium in LA
$1,250
|
|
Age 30
|
Average annual full coverage premium in LA
$3,929
|
Average minimum coverage premium in LA
$1,044
|
|
Age 40
|
Average annual full coverage premium in LA
$3,746
|
Average minimum coverage premium in LA
$990
|
|
Age 50
|
Average annual full coverage premium in LA
$3,367
|
Average minimum coverage premium in LA
$924
|
|
Age 60
|
Average annual full coverage premium in LA
$3,414
|
Average minimum coverage premium in LA
$919
|
|
Age 70
|
Average annual full coverage premium in LA
$3,642
|
Average minimum coverage premium in LA
$1,047
|
Bankrate’s take: Not all states allow insurers to factor gender into rates, but in states where it’s allowed, it is often noted that male drivers are statistically more likely to be involved in traffic incidents or file claims. To compensate for this increased risk, insurers often charge male drivers more for coverage.
Cost considerations for young drivers in Louisiana
If you are a younger driver with your own policy, the average car insurance cost in Louisiana is even higher than if you were added to your parents’ policy. Eighteen-year-olds on their own policies pay a staggering $10,715 per year on average for full coverage. However, rates typically decrease as drivers get older and gain more experience.
|
|
|
|---|---|
|
Age 16*
|
Avg. annual premium for drivers in LA
$8,474
|
|
Age 17
|
Avg. annual premium for drivers in LA
$7,728
|
|
Age 18
|
Avg. annual premium for drivers in LA
$6,861
|
|
Age 19
|
Avg. annual premium for drivers in LA
$6,017
|
|
Age 20
|
Avg. annual premium for drivers in LA
$5,563
|
|
|
|
|---|---|
|
Age 18
|
Avg. annual premium for drivers in LA
$10,715
|
|
Age 19
|
Avg. annual premium for drivers in LA
$8,623
|
|
Age 20
|
Avg. annual premium for drivers in LA
$7,734
|
| Age | Avg. annual premium difference for drivers on their own policy |
|---|---|
| Age 18 | 56 percent more |
| Age 19 | 43 percent more |
| Age 20 | 39 percent more |
*18- and 20-year-old are renters on their own policies with no discounts applied
How does driving record impact the cost of car insurance in Louisiana?
Drivers of any age who are cited for speeding or driving under the influence or who are responsible for an accident will likely face higher rates than drivers with a clean driving record. For example, in Louisiana, someone with a single speeding ticket pays approximately 22 percent more compared to the state’s average cost of insurance, and a DUI conviction could cost you 73 percent more for insurance than if you had no incidents on your record.
Considering that Louisiana auto insurance rates are already high, such increases could certainly put a strain on your budget. Depending on the infractions, these incidents could see you labeled a high-risk driver or mean you’ll need to file an SR-22, as well. It's also worth noting that not all insurers are willing to write policies for those with a DUI on their record, and if this is the case, you would need to switch to another insurer.
|
|
|
|
|---|---|---|
|
Clean driving record
|
Avg. annual premium* in LA
$3,744
|
Percentage increase from LA avg. annual premium*
0%
|
|
Avg. annual premium* in LA
$4,585
|
Percentage increase from LA avg. annual premium*
22%
|
|
|
Avg. annual premium* in LA
$5,126
|
Percentage increase from LA avg. annual premium*
37%
|
|
|
Avg. annual premium* in LA
$6,490
|
Percentage increase from LA avg. annual premium*
73%
|
Car insurance rates in Louisiana by credit score
It may surprise you to learn that your credit history can affect your car insurance premiums, but it’s true in most states — including Louisiana. Car insurance companies here are allowed to use your credit-based insurance score to calculate your premium.
Car insurance for drivers with poor credit tends to be more expensive because data shows that those with lower credit scores are more likely to file claims. Drivers with poor credit in Louisiana typically pay 74 percent more than the state average for full coverage and 115 percent more than drivers with excellent credit.
|
|
|
|
|---|---|---|
|
Avg. annual premium* in LA
$6,517
|
Percentage difference from LA avg. annual premium*
74%
|
|
|
Average
|
Avg. annual premium* in LA
$4,188
|
Percentage difference from LA avg. annual premium*
12%
|
|
Avg. annual premium* in LA
$3,744
|
Percentage difference from LA avg. annual premium*
0%
|
|
|
Excellent
|
Avg. annual premium* in LA
$3,030
|
Percentage difference from LA avg. annual premium*
-19%
|
Louisiana car insurance rates by vehicle type
Finally, we analyzed Louisiana car insurance rates by vehicle make and model. Vehicles that cost less to repair and replace generally have lower rates. Other aspects of a vehicle’s make and model can affect premiums, as well, including safety features and the statistical likelihood of an accident. This might explain why sports cars generally cost more to insure.
|
|
|
|---|---|
|
Avg. annual premium* in LA
$3,744
|
|
|
Avg. annual premium* in LA
$3,645
|
|
|
Avg. annual premium* in LA
$3,433
|
|
|
BMW 330i
|
Avg. annual premium* in LA
$4,357
|
|
Toyota Prius
|
Avg. annual premium* in LA
$3,852
|
Estimate your car insurance cost in Louisiana
If you're having trouble anticipating how much you might pay for auto coverage, Bankrate has created a convenient and easy-to-use tool for precisely that. While our calculator will not provide exact quotes, it can give you a good idea of what you might pay to help with budgeting. To use it, input the requested information and allow the tool to estimate your monthly premium in seconds.
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How to save on car insurance in Louisiana
Louisiana's average car insurance rates are relatively high compared to the national average. Fortunately, there may be ways to lower your personal costs for auto insurance. Consider taking these steps:
- Shop around: Car insurance companies offer different rates for the same coverage, so you might find a lower-priced policy with another company.
- Drive safely: Accidents and tickets are some of the biggest drivers of premium increases. Safe driving can help you keep your rates as low as possible.
- Bundle your policies: Buying car and home insurance together with the same company might lower your premium a significant amount.
- Sign up for telematics: Allowing your insurance company to track your driving by enrolling in a telematics program could result in savings.
- Keep up your grades: Younger drivers in high school or college could qualify for a good student discount if they maintain good grades.
Frequently asked questions
Methodology
Bankrate utilizes Quadrant Information Services to analyze November 2024 rates for all ZIP codes and carriers in all 50 states and Washington, D.C. Rates are weighted based on the population density in each geographic region. Quoted rates for our base profile are based on the following characteristics and coverage levels:
Bodily injury liability
$100,000 per person$300,000 per accident
Property damage liability
$50,000 per accidentPersonal injury protection
$100,000 per accidentUninsured motorist bodily injury
$100,000 per person$300,000 per accident
Collision deductible
$500Comprehensive deductible
$500Other profiles
These are sample rates and should only be used for comparative purposes.