Louisiana Car Insurance Quotes & Average Rates
Full coverage car insurance in Louisiana is estimated at $3,513 a year, or $293 a month, for a 35-year-old driver with a clean record. A state-minimum liability policy comes in near $1,073 a year. Louisiana is an at-fault state, and drivers must carry 15/30/25 liability limits. Below you will find estimated rates for 30 Louisiana cities, a breakdown by age and driving record, and the coverage the state actually requires.
Car insurance calculator — Louisiana
Estimated from state average premiums and your rating factors. Not a quote.
We may be paid a referral fee when you request quotes through partner links on this page. It never changes what you pay. Estimates are modelled, not quoted — see our methodology.
Cheapest car insurance companies in Louisiana
| Insurer | Est. annual | Est. monthly | vs. average | Notes |
|---|---|---|---|---|
| USAA | $2,670 | $223 | -24% | Military members and families only |
| Geico | $2,881 | $240 | -18% | Usually cheapest for clean records |
| State Farm | $3,091 | $258 | -12% | Strong for young and student drivers |
| Progressive | $3,337 | $278 | -5% | Competitive after a ticket or accident |
| Travelers | $3,408 | $284 | -3% | Good multi-policy discounts |
| Nationwide | $3,513 | $293 | 0% | Mid-market, wide availability |
| Allstate | $4,005 | $334 | +14% | Higher base rate, heavy discount stacking |
| Farmers | $4,251 | $354 | +21% | Agent-led, priced above market |
Modelled estimates for a 35-year-old with a clean record and full coverage in Louisiana. USAA tends to sit lowest, but the ranking flips constantly by ZIP and driver profile — which is exactly why quoting three carriers is worth the ten minutes.
Louisiana car insurance rates by age
| Driver age | Full coverage / yr | Minimum / yr | Full coverage / mo |
|---|---|---|---|
| 16 years old | $9,489 | $2,899 | $791 |
| 18 years old | $8,004 | $2,446 | $667 |
| 20 years old | $6,628 | $2,025 | $552 |
| 22 years old | $5,505 | $1,682 | $459 |
| 25 years old | $4,201 | $1,284 | $350 |
| 30 years old | $3,622 | $1,107 | $302 |
| 40 years old | $3,404 | $1,040 | $284 |
| 50 years old | $3,260 | $996 | $272 |
| 60 years old | $3,223 | $985 | $269 |
| 65 years old | $3,368 | $1,029 | $281 |
| 70 years old | $3,694 | $1,129 | $308 |
| 75 years old | $4,310 | $1,317 | $359 |
Estimated premiums by age in Louisiana, clean record, sedan.
How violations change your Louisiana premium
| Driving record | Est. annual | Increase |
|---|---|---|
| Clean record | $3,513 | — |
| 1 speeding ticket | $4,321 | +23% |
| 1 at-fault accident | $5,164 | +47% |
| DUI / DWI | $6,640 | +89% |
What a violation costs a 35-year-old in Louisiana. Surcharges normally stay on the policy for three to five years.
A DUI in Louisiana usually also triggers an SR-22 filing requirement, which most standard carriers will not write.
Louisiana minimum insurance requirements
| Required coverage in Louisiana | Minimum limit |
|---|---|
| Bodily injury liability, per person | $15,000 |
| Bodily injury liability, per accident | $30,000 |
| Property damage liability | $25,000 |
| Insurance system | At-fault (tort) |
Limits are set by statute and change from time to time. Confirm the current figures with the Louisiana Department of Insurance before you buy.
Coverage levels in Louisiana
| Coverage level | Est. annual | Est. monthly |
|---|---|---|
| State minimum liability | $1,073 | $89 |
| Full coverage (100/300/100 + comp & collision) | $3,513 | $293 |
| Full coverage, high limits + low deductible | $4,181 | $348 |
Coverage level comparison for Louisiana.
Car insurance rates in Louisiana cities
Estimated annual full-coverage premium for a 35-year-old with a clean record, across the 30 Louisiana cities we price.