Average cost of car insurance in Louisiana for 2025

How much is car insurance in Louisiana? 

Car insurance premiums in Louisiana are much higher than the U.S. national average. According to data from Quadrant Information Services, the average cost of a full coverage policy in the Bayou State is $4,009, while the average minimum coverage premium is $1,032 a year. To compare, the U.S. national averages are $2,670 for full and $773 for minimum coverage insurance.

While car insurance premiums are personalized for each driver, it can be helpful to see average rates if you're shopping for auto insurance in Louisiana. Bankrate’s editorial team evaluated rate data to find average premiums in Louisiana by city, age, driving record and other important factors.

Key takeaways

• On average, full coverage car insurance in Louisiana costs $334 per month.
• Minimum coverage car insurance in Louisiana costs an average of $86 per month.
• Drivers in New Orleans pay an average of $5,761 annually for full coverage, while drivers in Sulphur pay just $3,702, on average.
• An at-fault accident typically increases full coverage car insurance premiums in Louisiana by about 36 percent more.
• Of the vehicle models we analyzed, Ford F-150s were the cheapest to insure in Louisiana at an average of $3,942 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 tend to have higher premiums on average. One significant reason is that driving in dense traffic increases the likelihood of an accident. Other factors, such as the costs for vehicle repairs, parts and medical expenses can also impact how much drivers in a given city pay for coverage.

Average car insurance costs by age and gender in Louisiana

Car insurance premiums in Louisiana vary based on age. In general, young drivers pay some of the most expensive premiums, even when they’re insured on a parent’s policy. Data shows that young drivers are more likely to be involved in accidents than more experienced drivers.

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.

Cost considerations for young drivers in Louisiana

Teens in Louisiana are often considered to be high-risk drivers, which affects rates. 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 $11,274 per year on average for full coverage. However, rates typically decrease as drivers get older and gain more experience.

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 70 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.

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 in a poor credit tier in Louisiana typically pay 74 percent more than the state average for full coverage and 113 percent more than drivers in an excellent credit tier.

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.

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.

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

To determine minimum coverage limits, Bankrate used minimum coverage that meets each state’s requirements. These are sample rates and should only be used for comparative purposes. Your quotes will differ.