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Average cost of car insurance in Louisiana for 2024

Updated Sep 11, 2024
Louisiana car insurance costs an average of $3,646 per year for full coverage and $944 per year for minimum coverage.
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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 $3,646, while state-mandated minimum coverage averages $944 a year. This is higher than the national average rates, which are $2,348 for full and $639 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 $304 per month.
  • Minimum coverage car insurance in Louisiana costs an average of $79 per month.
  • Drivers in New Orleans pay an average of $4,633 annually for full coverage, while drivers in Sulphur pay just $3,384, on average.
  • An at-fault accident typically increases full coverage car insurance premiums in Louisiana by about 38 percent more.
  • Of the vehicle models we analyzed, Ford F-150s were the cheapest to insure in Louisiana at an average of $3,514 per year for full coverage.

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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:

City Avg. monthly full coverage premium Avg. annual full coverage premium Avg. savings vs. state average

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Advertising disclosure
This advertisement is powered by Coverage.com, LLC, a licensed insurance producer (NPN: 19966249) and a corporate affiliate of Bankrate. The offers and links that appear on this advertisement are from companies that compensate Coverage.com in different ways. The compensation received and other factors, such as your location, may impact what offers and links appear, and how, where and in what order they appear. While we seek to provide a wide range of offers, we do not include every product or service that may be available. Our goal is to keep information accurate and timely, but some information may not be current. Your actual offer from an advertiser may be different from the offer on this advertisement. All offers are subject to additional terms and conditions.

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.

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
$8,600
Average minimum coverage premium in LA
$2,808
Age 18
Average annual full coverage premium in LA
$10,667
Average minimum coverage premium in LA
$3,470
Age 20
Average annual full coverage premium in LA
$7,769
Average minimum coverage premium in LA
$2,376
Age 25
Average annual full coverage premium in LA
$4,628
Average minimum coverage premium in LA
$1,278
Age 30
Average annual full coverage premium in LA
$3,875
Average minimum coverage premium in LA
$1,016
Age 40
Average annual full coverage premium in LA
$3,663
Average minimum coverage premium in LA
$962
Age 50
Average annual full coverage premium in LA
$3,399
Average minimum coverage premium in LA
$896
Age 60
Average annual full coverage premium in LA
$3,369
Average minimum coverage premium in LA
$897
Age 70
Average annual full coverage premium in LA
$3,611
Average minimum coverage premium in LA
$1,019
Age 40
Average annual full coverage premium in LA
$3,663
Average minimum coverage premium in LA
$962
Age 50
Average annual full coverage premium in LA
$3,399
Average minimum coverage premium in LA
$896
Age 60
Average annual full coverage premium in LA
$3,369
Average minimum coverage premium in LA
$897
Age 70
Average annual full coverage premium in LA
$3,611
Average minimum coverage premium in LA
$1,019
*16-year-old calculated on parents' policy with discounts applied; 18- and 20-year-old are renters on their own policies with no discounts applied
Age 16*
Average annual full coverage premium in LA
$7,952
Average minimum coverage premium in LA
$2,689
Age 18
Average annual full coverage premium in LA
$9,888
Average minimum coverage premium in LA
$3,204
Age 20
Average annual full coverage premium in LA
$6,862
Average minimum coverage premium in LA
$2,162
Age 25
Average annual full coverage premium in LA
$4,379
Average minimum coverage premium in LA
$1,237
Age 30
Average annual full coverage premium in LA
$3,836
Average minimum coverage premium in LA
$1,018
Age 40
Average annual full coverage premium in LA
$3,628
Average minimum coverage premium in LA
$926
Age 50
Average annual full coverage premium in LA
$3,341
Average minimum coverage premium in LA
$913
Age 60
Average annual full coverage premium in LA
$3,358
Average minimum coverage premium in LA
$897
Age 70
Average annual full coverage premium in LA
$3,580
Average minimum coverage premium in LA
$1,023
Age 40
Average annual full coverage premium in LA
$3,628
Average minimum coverage premium in LA
$926
Age 50
Average annual full coverage premium in LA
$3,341
Average minimum coverage premium in LA
$913
Age 60
Average annual full coverage premium in LA
$3,358
Average minimum coverage premium in LA
$897
Age 70
Average annual full coverage premium in LA
$3,580
Average minimum coverage premium in LA
$1,023
*16-year-old calculated on parents' policy with discounts applied; 18- and 20-year-old are renters on their own policies with no discounts applied
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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 $10,278 per year on average for full coverage. However, rates typically decrease as drivers get older and gain more experience.

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Age 16*
Avg. annual premium for drivers in LA
$8,276
Age 17
Avg. annual premium for drivers in LA
$7,549
Age 18
Avg. annual premium for drivers in LA
$6,707
Age 19
Avg. annual premium for drivers in LA
$5,857
Age 20
Avg. annual premium for drivers in LA
$5,416
*16-year-old calculated on parents' policy with discounts applied; 18- and 20-year-old are renters on their own policies with no discounts applied
Age 18
Avg. annual premium for drivers in LA
$10,278
Age 19
Avg. annual premium for drivers in LA
$8,172
Age 20
Avg. annual premium for drivers in LA
$7,316
*16-year-old calculated on parents' policy with discounts applied; 18- and 20-year-old are renters on their own policies with no discounts applied
Age Avg. annual premium difference for drivers on their own policy
Age 18 53 percent more
Age 19 40 percent more
Age 20 35 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 23 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.

Clean driving record
Avg. annual premium* in LA
$3,646
Percentage increase from LA avg. annual premium*
0%
Avg. annual premium* in LA
$4,481
Percentage increase from LA avg. annual premium*
23%
Avg. annual premium* in LA
$5,013
Percentage increase from LA avg. annual premium*
38%
Avg. annual premium* in LA
$6,208
Percentage increase from LA avg. annual premium*
70%
*The rates reflected are for full coverage policies.

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 77 percent more than the state average for full coverage and 117 percent more than drivers with excellent credit.

Avg. annual premium* in LA
$6,462
Percentage difference from LA avg. annual premium*
77%
Average
Avg. annual premium* in LA
$4,084
Percentage difference from LA avg. annual premium*
12%
Avg. annual premium* in LA
$3,646
Percentage difference from LA avg. annual premium*
0%
Excellent
Avg. annual premium* in LA
$2,974
Percentage difference from LA avg. annual premium*
-18%
*Rates reflect full coverage policies.

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
$3,646
Avg. annual premium* in LA
$3,514
Avg. annual premium* in LA
$3,280
BMW 330i
Avg. annual premium* in LA
$4,241
Toyota Prius
Avg. annual premium* in LA
$3,945
*Rates reflect full coverage policies.

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.

Calculate your monthly car insurance payment

Get a quick estimate to make sure you're not overpaying.

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Methodology

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

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46
years of industry expertise
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122
carriers reviewed
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34.5K
ZIP codes examined
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1.2M
quotes analyzed

Methodology

Bankrate utilizes Quadrant Information Services to analyze September 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:

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40 year old
Single male and female driver
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2022 Toyota Camry
Primary vehicle
Credit Good Icon
Good credit score
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Clean driving record
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Commutes 5 days

Bodily injury liability

$100,000 per person
$300,000 per accident

Property damage liability

$50,000 per accident

Personal injury protection

$100,000 per accident

Uninsured motorist bodily injury

$100,000 per person
$300,000 per accident

Collision deductible

$500

Comprehensive deductible

$500

Other profiles

These are sample rates and should only be used for comparative purposes.