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The Cheapest Car Insurance for Louisiana Drivers
The Cheapest Car Insurance for Louisiana Drivers
Compare 50+ top insurance companies including Progressive, Travelers, AAA, Nationwide (and more!) to find the best and cheapest car insurance in Louisiana.
Find Insurance Savings
No long forms
No spam or unwanted calls
Quotes from top insurance companies
R.E. Fulton
Expert Insurance Writer and Editor
Reviewed by Josh Damico, Head of Insurance Operations
Edited by Lina Zhang, Lisenced Insurance Agent
What's on this page?
- How to find the cheapest car insurance quotes in Louisiana
- Cheapest car insurance companies in Louisiana
- Louisiana Car Insurance Coverage Requirements
- Louisiana Car Insurance Rating Factors
- How Do Different Factors Impact Your Car Insurance Costs in Louisiana?
- Car Insurance for High-Risk Louisiana Drivers
- Car Insurance for Louisiana Drivers With DUI
- Car Insurance for Louisiana Drivers With a Coverage Lapse
- Car Insurance for Louisiana Drivers With a Low Credit Score
- Louisiana Car Insurance Cost by Age
- Louisiana Car Insurance by Car
- Louisiana Insurance Cost by Zip Code
- How to lower the cost of car insurance in Louisiana
- FAQs
- Methodology
- Meet our Experts
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How to find the cheapest car insurance quotes in Louisiana
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dynamic text examples for state page
Louisiana: How much is car insurance in Lousiana: $3,354
Massachusetts: what is the average cost of car insurance in Massachusetts: $3,187
Missouri: what is the average cost of car insurance in Missouri (this question is showing up on the FAQ on webpage, but not showing up in the FAQs for payload): $2,547
New Mexico: what is the average cost of car insurance in New Mexico: $2,169
North Dakota: how much is car insurance in North Dakota?: $2,500
Ohio: how much does car insurance cost per month in Ohio? $183
South Carolina: what is the average cost of car insurance in South Carolina? $3,306
South Dakota: what is the average cost of car insurance in South Dakota: $2,467
Shopping for car insurance
in Louisiana can feel like navigating a treacherous swamp of high prices, shady companies, and tricky terminology. To make matters worse, there’s no single company that offers the cheapest car insurance coverage for all Louisiana drivers—which means comparing quotes
is a can’t-miss step in the process. Working with an independent insurance broker like
Jerry
is the quickest way to reach your savings goals. For years, Jerry’s helped thousands of Louisiana drivers find the lowest rates from some of the best insurance companies in the state. | Date | Insurance Company | Premium (monthly) | Customer | Car | Insurance Coverage |
|---|---|---|---|---|---|
January 26, 2025 | Safeco | $78 | Thomas, 70 | Honda Pilot Touring | • 50,000/100,000 Liability • Comp / Collision |
January 23, 2025 | Allstate | $166 | Bryan, 24 | Toyota Camry | • 50,000/100,000 Liability • Comp / Collision |
January 17, 2025 | Mercury | $194 | Christina, 54 | RAM 1500 Laramie | • 100,000/300,000 Liability • Comp / Collision |
January 12, 2025 | Clearcover | $106 | Fanny, 66 | Hyundai Elantra SE | • State Minimum Liability |
January 12, 2025 | Nationwide | $94 | Kate, 39 | Mazda CX-9 Touring | • 30,000/60,000 Liability |
Last Updated Jan 26, 2025Cheapest car insurance companies in Louisiana
To narrow down the best car insurance options for Louisiana drivers, Jerry conducted the largest insurance shopping survey in the nation. We asked over 15,000 policyholders from across the country to rate their insurance providers on cost, customer service, ease of shopping and renewal, and claims handling.
While State Farm, Progressive, and Allstate hold the largest market share in Louisiana according to the Louisiana Department of Insurance, actual drivers in our survey gave the highest rates to slightly smaller companies like
Nationwide
, National General
, Louisiana Farm Bureau, and Southern Farm Bureau. Out of the big-name players, only Allstate
came through with a perfect five-star rating in every category. Here’s what the survey respondents had to say about the best car insurance companies in Louisiana:
| Insurance company | Date | City | Cost rating (out of 5) | What our customer said: |
|---|---|---|---|---|
| Anchor General | January 28, 2025 | Ruston, LA | 5 | "Easy to set up new coverage. If I have any questions I know I can easy ask and the help line is always nice. " -Hunter |
| Progressive | January 24, 2025 | Minden, LA | 5 | "Great prices and progressive made my switch very easy with no hassle!" -Frederick |
| AAA | January 20, 2025 | New Orleans, LA | 4 | "I am overall mostly happy with Stare Farm for homeowners and car insurance. However, I know it’s time to start shoppi...(read more)" -Olivia |
| Progressive | January 16, 2025 | Baton Rouge, LA | 5 | "They r a great insurance providers they have low prices but I would definitely recommend Clearcover to my friends and...(read more)" -Elnora |
| Nationwide | January 16, 2025 | Livingston, LA | 3 | "Never had enquiry with them " -Rose |
Last Updated Jan 28, 2025
How'd we get these scores?
Jerry's experts conducted one of the largest car insurance surveys in the United States. We surveyed 15,000 policyholders, in all 50 states, over the span of 18 months. These policyholders hold insurance policies with 87 different insurance companies. We surveyed policyholders to gauge their satisfaction with their insurance carriers in: policy cost, customer service, buying and renewal experience, as well as claim experience. These scores were all reported by real customers of the insurance companies.
How'd we get these scores?
Jerry's experts conducted one of the largest car insurance surveys in the United States. We surveyed 15,000 policyholders, in all 50 states, over the span of 18 months. These policyholders hold insurance policies with 87 different insurance companies. We surveyed policyholders to gauge their satisfaction with their insurance carriers in: policy cost, customer service, buying and renewal experience, as well as claim experience. These scores were all reported by real customers of the insurance companies.
As you can see, there are a lot of variables to consider when picking an insurance company—which is why Jerry exists to simplify the process. Jerry is a
trusted insurance broker
with a user-friendly app and a customer service team of 100+ licensed insurance agents to help you find the cheapest rates at the best companies. Here’s how it works: download the app and create a driver profile (we’ll ask questions about your driving habits, vehicle, and insurance history). Once you request
car insurance quotes
, you’ll have less than a minute to wait before receiving a batch of real-time quotes from Louisiana’s best insurance companies. You can switch to a new policy right in the app!Minimum car insurance requirements for liability and full coverage in Louisiana
Louisiana’s car insurance laws
require all drivers to buy liability insurance. Full coverage car insurance, which includes collision and comprehensive insurance in addition to state-mandated liability coverage, is technically optional under Louisiana law—but most drivers choose to buy it. Cheapest minimum liability coverage in Louisiana
In Louisiana, every driver must maintain 15/30/25 liability limits. That means that every insurance policy includes at least the following:
- $30,000 of bodily injury liability coverage per accident
These two types of coverage ensure that your insurance company will pay for other drivers’ medical and vehicle repair expenses if you’re at fault in an accident.
National General
Sally (52 years old)
$126
per month
Bristol West
Alfred (30 years old)
$158
per month
Do you need more than the minimum liability insurance coverage in Louisiana?
Think of Louisiana’s minimum liability coverage as the start—not the end—of your insurance shopping process.
While buying state minimum coverage will keep you in compliance with the law, it won’t do much to protect your wallet in the event of a crash.
Remember, liability insurance covers damages and medical bills that you’re responsible for. The average hospital stay following a car accident costs close to $60,000, while the average car on the road is worth about $48,000.
A single serious accident could saddle you with liability costs well over $100,000—well beyond the liability limits of a minimum coverage policy! And because
Louisiana's car accident laws
allow drivers to file personal injury lawsuits for up to a year after an accident, your liability will extend long past the actual incident. The bottom line: Aim for at least 50/100/50 liability limits on your policy. If you have young drivers on your policy or want to secure the highest level of coverage, go with 100/300/100.
"Jerry is the new benchmark in app usefulness. Period. It is SO EASY and the results are SO GOOD, and they specifically point out that no one is going to start calling and emailing me all the time. I gave very little info, it pulled up all my existing insurance info, and showed me how to get the same insurance for less, lesser coverage for huge savings, or better coverage for about the same I currently pay. I am personally saving around $1,400/year with my new insurance, and the entire process (including follow ups to sign the docs from the insurance companies) took less than an hour. If you make over $1,400/hour, this may not be worth your time. Otherwise, get the app and use it now!"
Sean S.
Cheapest full coverage Louisiana auto insurance quotes
Another major drawback of a liability-only insurance policy: it won’t protect your vehicle. Only drivers with
full-coverage car insurance
can submit insurance claims for physical damage to their own cars. Full coverage isn’t a technical term, but it usually refers to policies that include
collision coverage
and comprehensive coverage
on top of basic liability. - Collision insurance pays for damage to your vehicle caused by any kind of crash, from a seven-car pileup to a single-car rollover or a collision with a telephone pole. Collision coverage can even pay if your car’s damaged in an encounter with a gnarly pothole—and since 23.3% of Louisiana’s roads are in poor condition, it’s a worthwhile investment for most drivers.
- Comprehensive insurance pays for damage caused by something other than a collision. This typically includes vandalism, theft, and severe weather—check your policy details to be sure of what your plan covers! Comprehensive coverage can also come into play if your car is stolen—good news for drivers inNew Orleans, where auto theft is at the highest rate it’s been in over a decade.
Full coverage insurance isn’t required by law, but it is required by lenders. If you
lease or buy a car
, you’ll need to carry collision and comprehensive insurance until your lease is up or your loan’s paid off. While full coverage costs more than basic liability, Jerry can help you balance your coverage needs with your budget!
| Insurance Coverage | Insurance Company | Premium (monthly) | Customer | Car |
|---|---|---|---|---|
• 50,000/100,000 Liability • Comp / Collision | Progressive | $270 | Elizabeth, 27 Greensburg, LA | Honda Accord Sport SE |
• 50,000/100,000 Liability • Comp / Collision | Safeco | $78 | Thomas, 70 | Honda Pilot Touring |
• 100,000/300,000 Liability • Comp / Collision | Allstate | $293 | Ray, 35 | Chevrolet Camaro LS |
• 30,000/60,000 Liability • Comp / Collision | Nationwide | $173 | Clarence, 39 | Mazda CX-9 Touring |
• State Minimum Liability • Comp / Collision | Clearcover | $189 | Nancy, 36 | Toyota Corolla LE |
Last Updated Jan 27, 2025Average rates for minimum liability coverage and full coverage car insurance in Louisiana
A full coverage car insurance policy costs Louisiana drivers an average of $6,366 per year or $531 per month. For drivers who stick to the state requirements with only minimum liability, car insurance costs $2,247 per year or $187 per month, on average.
| Insurance coverage | Average insurance cost (monthly) | Average insurance cost (yearly) |
|---|---|---|
State minimum coverage | $178 | $2,136 |
Full coverage | $199 | $2,389 |
But
car insurance averages
only tell part of the story—and they’re not always a good guide to finding your best insurance rate. Every driver is different, and everything from your age and gender to your credit score, driving record, insurance history, and vehicle type could put your rates above or below the state average. Louisiana car insurance: Additional coverages
Car insurance doesn’t end with liability, collision, and comprehensive coverage. Many drivers purchase additional coverage, such as:
- Gap insurance, which covers the difference between your outstanding loan balance and your insurance payout if your financed car is totaled.
- MedPay, which helps to offset medical bills and rehabilitation costs for you or your passengers after an accident.
- Non-owner car insurance, which provides you with liability coverage while driving cars you don’t own.
- Personal injury protection (PIP), which pays for medical care, rehabilitation, lost wages, and funeral benefits for you and your passengers after an accident.
- Rental reimbursement coverage, which covers part or all of the cost of a rental car if your primary vehicle is being repaired after a covered claim.
- Towing and labor coverage, also known asroadside assistance, which offers services like towing, battery jumps, and lockout help.
- Uninsured/underinsured motorist coverage, which pays for medical treatments and repairs if you’re hit by an uninsured or underinsured motorist.
While none of these optional coverages are required by law, most drivers choose to add one or more to their policy for added protection—and many add-ons won’t significantly increase your premium.
How Do Different Factors Impact Your Car Insurance Costs in Louisiana?
How Do Different Factors Impact Your Car Insurance Costs in Louisiana?
Allowed (with applicable limitations): Gender, age, driving experience, credit history, education, occupation, employment status, marital status, zip code, insurance history
Prohibited (or effectively prohibited): Louisiana currently does not disallow any common insurance rating factors when calculating insurance premiums.
Learn more about the car insurance rating factors in Louisiana:
How to find cheap Louisiana car insurance if you’re a high-risk driver
The occasional speeding ticket might add a surcharge to your insurance policy, but drivers with multiple violations are at risk of earning the “high-risk” label from their insurance company.
Here’s how to navigate car insurance shopping if your Louisiana driving record is less than perfect.
Cheapest car insurance for Louisiana drivers with a speeding ticket
Louisiana speeding tickets
come in four categories: - 1 – 9 mph over the speed limit: $115 – $285 in fines
- 10 – 14 mph over the speed limit: $215 – $385 in fines
- 15 – 20 mph over the speed limit: $240 – $410 in fines
- 21+ mph over the speed limit: Over $240 in fines and possible license suspension
Drive fast enough—or with enough careless lane changes and disruptive actions—and you risk
Louisiana's reckless driving charge
, which carries base penalties of up to $200 in fines and up to 90 days in jail. Any type of speeding ticket can raise your insurance rates, typically by an average of 39%. That higher charge will usually stay on your policy for three to five years—but that doesn’t mean you can’t find savings in the meantime.
| Speeding Type | Insurance Company | Premium (monthly) | Customer | Insurance Coverage |
|---|---|---|---|---|
Speeding 6-10 | Allstate | $188 | Hester, 31 | • State Minimum Liability |
Speeding 11-15 | Bristol West | $346 | Amy, 25 | • State Minimum Liability |
Last Updated Jan 30, 2025Over 4,000,000 customers and counting
We love saving our customers money. Turns out, they love it too! Here's what they have to say about their switch with Jerry:
Very nice and reasonable
Jarmen
Easy and fast!
Kevin
Kemper has been great to me
Daina
Allstate takes care of their customers and makes them pay proper
Samuel
How to find cheap Louisiana auto insurance after a DUI
Under
Louisiana’s DUI laws
, just one instance of driving under the influence could rack up thousands of dollars in fines, legal costs, and increased insurance premiums. The average rate increase after a DUI in Louisiana is 64%, but you can expect even higher increases if you’re convicted multiple times. Drivers with DUIs tend to pay a lot more for car insurance—but you don’t have to resign yourself to unbearable premiums. Some insurers, like Progressive, give a DUI far less weight when calculating premiums, and Jerry can help you find the best rates based on your record.
Rena (46 years old)
DUI
Coverage50,000 per person
100,000 per accident bodily injury
Comp / Collision
$180
per month
Effie (56 years old)
$107
per month
Bristol West
Hunter (43 years old)
$250
per month
National General
Gregory (32 years old)
DUI
Coverage50,000 per person
100,000 per accident bodily injury
Comp / Collision
$188
per month
Bristol West
Phoebe (32 years old)
DUI
Coverage100,000 per person
300,000 per accident bodily injury
Comp / Collision
$331
per month
Clearcover
Hester (32 years old)
$122
per month
Louisiana SR-22 insurance
A DUI is just one way to get an
SR-22 filing requirement in Louisiana
. This document, which acts as a certificate of financial responsibility proving that an individual carries car insurance, is required for high-risk drivers with a serious history of violations. If your driving privileges were suspended after a violation, filing an SR-22 is a key step in the Louisiana license reinstatement process
. If you no longer have a car, you’ll still need to file an SR-22 to get your license back. In that situation, you’ll need to purchase
non-owner SR-22 insurance
. An SR-22 isn’t the end of the world, but not all insurance providers work with them—and those who do may give you a sky-high rate. Jerry can help drivers with SR-22 requirements navigate the market and find providers who are willing to give fair rates to drivers working to improve their records.
How to find cheap car insurance in Louisiana after an at-fault accident
Your rates will also go up after an at-fault accident—but not all companies will raise them by the same amount. GEICO has the highest average rate increase after an accident at a whopping 64%, while State Farm and Travelers policyholders tend to see lower rate spikes.
But don’t worry. As usual, you can keep your rates low by comparing quotes from different providers and switching to a policy that fits your new profile.
| Accident Type | Insurance Company | Premium (monthly) | Customer | Insurance Coverage |
|---|---|---|---|---|
At Fault With Injury | Progressive | $366 | Lettie, 23 | • 50,000/100,000 Liability |
At Fault With No Injury | Allstate | $308 | Lydia, 46 | • State Minimum Liability • Comp / Collision |
Not At Fault | Bristol West | $151 | Virgie, 35 | • 50,000/100,000 Liability |
At Fault With No Injury | Clearcover | $106 | Benjamin, 65 | • State Minimum Liability |
At Fault With Injury | National General | $301 | Lucille, 30 | • 100,000/300,000 Liability • Comp / Collision |
Last Updated Jan 27, 2025FAQs
Is Louisiana a no-fault state?
No. No-fault states, like New York and Michigan, require all drivers to carry “no-fault” personal injury protection (PIP) insurance, which covers medical expenses for each driver regardless of fault. This simplifies the process of getting coverage for hospital bills after an accident—rather than going through a stranger’s liability insurance, you’ll get coverage directly through your own company!
Louisiana doesn’t require no-fault insurance, but you can still purchase it and reap the benefits.
What is full-coverage car insurance in Louisiana?
In Louisiana (as elsewhere), “full-coverage car insurance” typically refers to a policy that includes collision and comprehensive insurance on top of basic liability.
Can you get car insurance without a license in Louisiana?
No—Louisiana insurance companies require a
valid driver’s license
to buy a policy. But in some unique cases, such as an elderly driver whose license has expired, it’s possible to designate a licensed driver as the main driver on your policy to maintain your legal coverage requirements. What is the lowest form of car insurance?
Liability-only car insurance is the simplest (and cheapest) kind of policy you can buy. It’s also the most dangerous. Louisiana's 15/30/25 liability limits aren’t enough to cover most drivers’ liability obligations after an accident.
Cheapest auto insurance after other violations in Louisiana
Speeding tickets, accidents, and DUIs aren’t the only way to earn the “high-risk” designation from your insurance company. No matter what violations show up on your Louisiana driving record, Jerry can help you save.
| Violation | Insurance Company | Premium (monthly) | Customer | Car | Insurance Coverage |
|---|---|---|---|---|---|
Careless Driving | Progressive | $679 | Melvin, 31 | Nissan Maxima 3.5S | • No Coverage Liability • Comp / Collision |
Defective Equipment | Safeco | $307 | Addie, 36 | RAM 1500 SLT | • State Minimum Liability • Comp / Collision |
Driving on Sus. License | Bristol West | $508 | Clifford, 34 | Dodge Durango R/T | • 25,000/50,000 Liability • Comp / Collision |
DUI | Allstate | $175 | Bernard, 60 | Chevrolet Suburban C1500 | • State Minimum Liability |
Failure to Obey Signal | Clearcover | $118 | Anne, 31 | Honda Accord LX | • State Minimum Liability |
Illegal Turn | National General | $152 | Derrick, 31 | Honda Accord LX | • State Minimum Liability |
Improper Passing | Progressive | $679 | Essie, 31 | Nissan Maxima 3.5S | • No Coverage Liability • Comp / Collision |
Leaving scene of an Accident/Hit and Run | National General | $131 | Iva, 40 Hahnville, LA | Ford Expedition Eddie Bauer | • State Minimum Liability |
Open Container | Bristol West | $540 | Hannah, 24 | Chevrolet Cruze LS | • State Minimum Liability • Comp / Collision |
Speeding 16-20 | National General | $183 | Hettie, 25 | Chevrolet Cruze LT | • State Minimum Liability |
Speeding 6-10 | Allstate | $188 | Ophelia, 31 | Toyota Scion XD | • State Minimum Liability |
Suspension | Progressive | $137 | Gene, 71 Saint Bernard, LA | Toyota Corolla CE | • State Minimum Liability |
Wrong Way/Wrong Lane | Kemper | $168 | Olive, 28 | Toyota Camry LE | • 50,000/100,000 Liability |
Following too Closely | Clearcover | $122 | Herman, 42 | Honda Civic EX | • State Minimum Liability • Comp / Collision |
Last Updated Jan 26, 2025How to find cheap Louisiana car insurance based on your insurance history
Insurance companies don’t just look for a clean driving record when reviewing applicants—they also want to see a continuous coverage history with no breaks or gaps.
Whether you forgot to renew your policy, stopped paying your bill, or just spent a few years relying on public transportation,
any car insurance lapse
will lead to higher rates down the road. If you’re getting insurance for the first time in a long time (or ever), be prepared to pay a little more until you’ve laid down a strong history of on-time payments and continuous coverage
. That’s where Jerry offers an added benefit: in addition to helping you find the best fit for your profile, Jerry gives eligible drivers the option to turn on payment reminders in the app so you never miss a payment. You’ll also receive a renewal reminder and new quotes to compare when it’s almost time to re-up your coverage.
Michael (20 years old)
Currently Insured
Coverage50,000 per person
100,000 per accident bodily injury
Comp / Collision
Robeline, LA$259
per month
Safeco
Loretta (33 years old)
Not Currently Insured
Coverage50,000 per person
100,000 per accident bodily injury
Comp / Collision
Honda Prelude$297
per month
Dale (38 years old)
Currently Insured
Coverage50,000 per person
100,000 per accident bodily injury
Comp / Collision
$178
per month
Bristol West
Nicholas (60 years old)
$283
per month
Gainsco
Sam (51 years old)
Currently Insured
Coverage30,000 per person
60,000 per accident bodily injury
Comp / Collision
$337
per month
National General
Kathryn (49 years old)
$103
per month
How to find cheap Louisiana car insurance with a low credit score
All major car insurance companies will run a soft credit check and use something called a
“credit-based insurance score”
when evaluating your application and setting your rates. Drivers with good credit (700 or above) pay less, on average, than drivers with poor credit. Bad credit doesn’t just suggest a history of unpaid bills; studies actually show that drivers with poor credit tend to file more insurance claims.
| Credit Range | Insurance Company | Premium (monthly) | Customer | Car | Insurance Coverage |
|---|---|---|---|---|---|
> 750 | Progressive | $68 | Ruby, 41 | Honda Civic LX | • 50,000/100,000 Liability |
660 - 750 | National General | $135 | Norman, 35 | Hyundai Santa FE Limited | • 100,000/300,000 Liability • Comp / Collision |
550 - 659 | Bristol West | $374 | John, 39 Gray, LA | Acura TL | • 50,000/100,000 Liability • Comp / Collision |
< 550 | Clearcover | $167 | Addie, 26 | Nissan Altima | • State Minimum Liability |
Last Updated Jan 26, 2025How to find cheap auto insurance in Louisiana for your age
Over the course of the average driver’s life, the cost of car insurance starts—and ends—high. Teen drivers between ages 16 and 19 pay the highest rates, but most drivers see their insurance costs go up again in their mid-70s.
The best car insurance companies in Louisiana for young drivers
Like all
new drivers
, teenagers pay more for car insurance than drivers with a proven record of safe driving. But for teens, the costs are even higher thanks to statistics that show a higher rate of accidents, crash fatalities, and violations among drivers aged 19 and below.Those increased rates are even higher for male drivers, who show a higher rate of unsafe behaviors like distracted driving and skipping the seatbelt.
The good news: young drivers can save by staying on a family policy, qualifying for
good student discounts
, and using usage-based insurance tools
—and by shopping with Jerry, of course! Clearcover
Mattie (24 years old)
Coverage50,000 per person
100,000 per accident bodily injury
Comp / Collision
$284
per month
National General
Lida (23 years old)
$271
per month
Kemper
Gussie (22 years old)
$510
per month
The best car insurance companies for senior drivers in Louisiana
Many seniors actually pay less for car insurance than middle-aged drivers. Between ages 55 and 75, you’ll likely see the lowest rates of your whole driving career thanks to decades of experience.
But around your mid-70s, your rates will start to go up because of increased rates of driver error and a much higher risk of accident fatalities. Even good drivers tend to see higher risks on the road when they reach this age.
Devin (66 years old)
$165
per month
Safeco
Bertie (70 years old)
Coverage50,000 per person
100,000 per accident bodily injury
Comp / Collision
$78
per month
Bristol West
Virgie (84 years old)
Coverage50,000 per person
100,000 per accident bodily injury
Comp / Collision
$248
per month
National General
Olga (66 years old)
Coverage50,000 per person
100,000 per accident bodily injury
Comp / Collision
$109
per month
Clearcover
Bertha (79 years old)
Coverage100,000 per person
300,000 per accident bodily injury
Comp / Collision
$307
per month
Over 4,000,000 customers and counting
We love saving our customers money. Turns out, they love it too! Here's what they have to say about their switch with Jerry:
They have very great service!
Krissy
Great car insurance
Danny
Very happy with National Generals service. Was skeptical at first but they are great!
Jessica
Service was good
Mandy
How to find car insurance discounts in Louisiana for your motor vehicle
We’ll keep it simple: the more your vehicle costs to repair, the more it costs to insure.
This means that you’ll pay a higher rate if you drive:
- A brand-new vehicle
- A luxury car
- A sports car
- A hybrid or electric vehicle
- Any vehicle with hard-to-source components
If you drive one of Louisiana’s most popular models, you’ll likely see more moderate insurance rates, thanks to the wide availability of parts and lower cost of repairs.
Matthew Boudreaux, Public Information Director at the Louisiana Department of Motor Vehicles, says that the humble
Honda Accord
is the most popular car in the Pelican State, followed by the Toyota Camry
and Nissan Altima
. But many Louisiana drivers prefer trucks like the Ford F-150
, Chevy Silverado
, or GMC Sierra 1500
. | Popular Car | Insurance Company | Premium (monthly) | Customer | Insurance Coverage |
|---|---|---|---|---|
| Toyota RAV4 LE | Progressive | $138 | Alma, 33 | • 50,000/100,000 Liability • Comp / Collision |
Last Updated Jan 30, 2025Is it cheaper to insure a new car or a used car?
In general, new cars cost more to insure than older models. That’s because new cars have a higher value and are more likely to come with brand-new tech that’s costly to repair or replace.
Safeco
Nathaniel (31 years old)
$169
per month
Bristol West
Lucas (32 years old)
2005 Chevrolet Silverado C1500
Coverage50,000 per person
100,000 per accident bodily injury
Comp / Collision
$269
per month
National General
Edith (23 years old)
$406
per month
Clearcover
Susie (55 years old)
Coverage100,000 per person
300,000 per accident bodily injury
Comp / Collision
$299
per month
State Auto
Ethel (47 years old)
$93
per month
How to find cheap car insurance in Louisiana in your city
Paying for car insurance is no cakewalk in
the Big Easy
. Major cities like New Orleans, Shreveport
, Baton Rouge
, and Lafayette
have some of the highest average car insurance rates in Louisiana. But in smaller towns and rural areas (think Tickfaw
or Fort Polk South
), rates tend to be lower. Take a look at the table below to see what you could be saving across the state of Louisiana:
| City | Customer | Insurance Company | Premium (monthly) | Car | Insurance coverage |
|---|---|---|---|---|---|
| Lake Charles, LA | Mae, 52 | Progressive | $138 | Nissan Murano LE | • State Minimum Liability |
| Baton Rouge, LA | Jayden, 35 | Allstate | $293 | Chevrolet Camaro LS | • 100,000/300,000 Liability • Comp / Collision |
| Metairie, LA | Rosie, 28 | Travelers | $155 | Toyota RAV4 XLE | • 100,000/300,000 Liability • Comp / Collision |
| Baton Rouge, LA | Joel, 39 | Nationwide | $94 | Mazda CX-9 Touring | • 30,000/60,000 Liability |
| Gonzales, LA | Alfred, 30 | Bristol West | $158 | Lincoln Town CAR Executive | • State Minimum Liability |
| Chalmette, LA | Ola, 26 | Gainsco | $257 | KIA Sorento EX | • 25,000/50,000 Liability |
| Kenner, LA | Ola, 62 | National General | $126 | Nissan Versa S | • State Minimum Liability |
| Baton Rouge, LA | Joseph, 26 | Bluefire | $254 | Infiniti G37 | • State Minimum Liability |
Last Updated Jan 29, 2025How to lower the cost of car insurance in Louisiana
We’ve broken down all the biggest factors that go into determining your car insurance rates in Louisiana. Now it’s time to put the reins back in your hands and work on lowering that cost.
- Comparison shopping: It might not be glamorous, but comparing quotes is the #1 way to save money on car insurance—and Jerry makes it simple.
- Bundling insurance products: If you own a home,a home and auto insurance bundlecould save you an average of 15% or more on both policies.
- Looking forcar insurance discounts: Bundling isn’t the only way to save. Check with your insurer for discounts based on payment habits, memberships, and more. Military members in Louisiana are entitled to a 25% discount from any car insurance company!
- Increasing your deductible: In a pinch, raising your full coverage deductible could shave a small amount off of your usual costs.
- Changing your payment methods: If you can pay your annual premium in full, most auto insurance companies will give you a discount.
- Taking a defensive driving course: Check with your insurance company to see if you’re eligible for a discount if you enroll in and complete an approved defensive driving course.
Why is car insurance so expensive in Louisiana?
Auto insurance rates are on the rise everywhere—but Louisiana is one of the most expensive states in the country for car insurance. Here’s why:
- Higher motor vehicle fatality rates: In 2021, the Department of Transportation reported 887 fatal crashes in Louisiana resulting in 972 deaths. That’s 21 deaths per 100,000 residents—over twice the national average.
- More drivers per capita: Louisiana has a higher-than-average number of licensed drivers, leading to a higher risk of accidents.
- More expensive medical care: According to a 2022 report from Forbes Advisor, Louisiana has the second-highest healthcare costs of any state. Steep medical bills lead to higher liability insurance costs.
- Uninsured drivers: As of 2019, 11.7% of Louisiana drivers didn’t carry car insurance, raising the cost of coverage for everyone else.
FAQs
What is Louisiana’s minimum auto insurance?
Louisiana’s minimum auto insurance is $15,000/$30,000/$25,000 of liability insurance, as required by state law.
Does insurance follow the car or the driver in Louisiana?
Car insurance typically
follows the car, not the driver
, in Louisiana. Personal injury protection or medical payments coverage follow the driver, but most other standard coverage—including liability, collision, and comprehensive coverage—follow the insured vehicle. Who has the cheapest car insurance in Louisiana?
No one insurance company offers the cheapest rates for every driver. Premiums vary based on driver profile, driving record, vehicle, and more—so the cheapest car insurance company for one person might be very expensive for another.
How much is car insurance in Louisiana?
Car insurance costs slightly more than the national average auto insurance rate in Louisiana. In 2023, Jerry’s research found that Louisiana drivers were paying $2,247 per year for a minimum coverage policy and $6,366 per year for a full-coverage policy. For comparison, the national average insurance cost was $1,672 per year for a full-coverage policy.
Methodology
The Insurance Research Team analyzes insurance products and services to drive insights and help consumers make informed purchase decisions.
Insurance research: We analyzed over 25 million car insurance quotes; conducted the largest insurance shopping survey (over 15,000 customers surveyed and 85 carriers reviewed in the past 18 months).
We surveyed insurance policyholders for their experience with their insurers in the following areas: (1) insurance cost (2) customer service (3) insurance buying experience (4) insurance renewal experience (5) claim experience. In addition, we asked people what they like about their insurers and what areas in which their insurers could improve. The driver characteristics used in calculating average rates for auto insurance include: single driver, single car, currently insured, clean driving record.
For the quotes and sold policies included in this article, please note that personal information has been hidden. Not all customers find savings.
Team: The team consists of licensed insurance agents, insurance industry veterans, and data scientists.
Meet our Experts
R.E. Fulton
Expert Insurance Writer and Editor
R.E. Fulton is an expert insurance writer specializing in car ownership topics from car shopping and loan advice to insurance and repair guides. R.E.’s mission is to create unique and accessible content that helps readers to become more successful and independent car owners. R.E. has written and edited over 900 high-performing articles for Jerry, with an average of 1 million+ views.
As a senior writer on Jerry’s editorial team, R.E. draws on over 10 years of experience as a professional writer and digital publishing specialist. Prior to joining Jerry’s editorial team in 2021, R.E. worked as a writing coach at Columbia University, the Rochester Institute of Technology (RIT), and the University of Rochester. They serve as a managing editor for peer-reviewed history publication Nursing Clio, where their work has appeared regularly since 2015.
Lina Zhang
Licensed Insurance Agent
15 Years Working in Insurance
Lina Zhang is Vice President of Operations at Jerry. She helped to found Jerry in order to take the confusion and mystery expenses out of car ownership and help drivers achieve financial success. Leading a global team responsible for operations, talent acquisition, legal, and content, Lina has been a key contributor to Jerry’s rapid growth.
Prior to Jerry, Lina and her Jerry co-founders, Art Agrawal and Musawir Shah, created YourMechanic, the largest on-demand car repair services provider. In one year, Lina built and scaled YourMechanic operations from just five markets to more than 50. Before founding YourMechanic, Lina served as an intellectual property attorney at Morrison & Foerster LLP and a postdoctoral biomedical researcher at Stanford University.
Lina is a member of the State Bar of California, and a licensed property and casualty insurance broker in all 50 states and Washington, D.C.
Josh Damico
Head Of Insurance Operations
18+ Years Experience in Insurance
Josh Damico is Jerry’s Vice President Insurance Operations and a licensed insurance professional with 18 years of experience in the industry. Previously, Josh worked for 14 years at GEICO, most recently as Director of Insurance Sales, Service, and Underwriting in the Buffalo, New York region, where he doubled the size of the team to 950+ licensed associates. Josh Damico is a licensed insurance agent in 48 states. Josh has appeared on news channels like FOX and CBS to offer insurance expertise and tips to drivers across the country. His work has appeared in Business Insider, Kelley Blue Book, and Digital Insurance and been quoted in The Balance, GOBankingRates, and Inspiring Workplaces.
*Illustration only. For all the pricing information presented in this article (including various tables), please note that not all customers find savings and the information is for illustrative purposes only. Savings depend on type of car, location, policy features, driving history and other factors. Drivers who switch through Jerry save over $70/month on average.