Average Cost for Car Insurance in Louisiana
- On average Louisiana drivers can expect to pay $92 a month or $1,103 a year for state minimum liability coverage. A full coverage policy is around $390 a month or $4,676 a year.
InsuranceQuotes cost rates are pulled from our real-time auto insurance database from recent quotes in Louisiana – Rates are based on a used car driver who is single, middle aged & has a clean driving record. Read on to learn about the cheapest local rates filtered by insurance providers, new cars, vehicle types and age.
Cheapest Car Insurance Providers in Louisiana
- In Louisiana on average, the cheapest car insurance providers are USAA, Louisiana Farm Bureau and GEICO.
- State minimum liability car insurance starts at $88 a month or $1,062 a year with USAA full coverage car insurance starts at $303 a month or $3,633 a year followed by LA Farm Bureau for the cheapest insurance providers in the city.
Here is a breakdown of average costs from the cheapest local insurance providers in Louisiana from our data set of used-car drivers who are single, middle aged and have a clean driving record:
| Insurance Provider: | State Minimum: | Monthly: | Full Coverage: | Monthly: |
|---|---|---|---|---|
| USAA | $1,062 | $88 | $3,633 | $303 |
| LA Farm Bureau | $1,094 | $91 | $4,020 | $335 |
| GEICO | $1,318 | $110 | $6,247 | $521 |
| State Farm | $1,425 | $119 | $4,591 | $383 |
| Progressive | $1,641 | $137 | $8,002 | $667 |
Louisiana Auto Policy Rates by City
| Louisiana City | State Minimum | SM Monthly | Full Coverage | FC Monthly |
|---|---|---|---|---|
| Alexandria | $1,362 | $113 | $5,325 | $444 |
| Baton Rouge | $1,477 | $123 | $5,863 | $489 |
| Bayou Cane | $1,089 | $91 | $4,136 | $345 |
| Bossier City | $964 | $80 | $3,933 | $328 |
| Central | $1,378 | $115 | $5,504 | $459 |
| Houma | $1,087 | $91 | $4,172 | $348 |
| Kenner | $1,558 | $130 | $6,086 | $507 |
| Lafayette | $1,264 | $105 | $4,856 | $405 |
| Lake Charles | $1,191 | $99 | $4,817 | $401 |
| Laplace | $1,361 | $113 | $5,535 | $461 |
| Marrero | $1,626 | $136 | $6,599 | $550 |
| Metairie | $1,508 | $126 | $5,895 | $491 |
| Monroe | $1,207 | $101 | $4,836 | $403 |
| New Orleans | $1,643 | $137 | $7,030 | $586 |
| Prairieville | $1,352 | $113 | $5,411 | $451 |
| Shreveport | $1,032 | $86 | $4,373 | $364 |
| Slidell | $1,190 | $99 | $5,050 | $421 |
| Terrytown | $1,606 | $134 | $6,763 | $564 |
LIST OF POPULAR LA CITY CAR INSURANCE COST GUIDES
Average Cost for Car Insurance in Louisiana by County
The average cost of car insurance in Louisiana varies between drivers. Here is the breakdown of the amount you can expect to pay on car insurance costs by county for vehicle type below for a minimum state policy of the average driver:
| Auto Insurance Costs by County: | Sedan: | SUV: | Coupe: | Truck: | Hybrid: |
|---|---|---|---|---|---|
| Acadia | $1,483 | $1,307 | $1,430 | $1,481 | $1,561 |
| Allen | $1,611 | $1,413 | $1,549 | $1,543 | $1,697 |
| Ascension | $1,771 | $1,561 | $1,710 | $1,786 | $1,858 |
| Assumption | $1,622 | $1,433 | $1,561 | $1,645 | $1,708 |
| Avoyelles | $1,795 | $1,584 | $1,735 | $1,809 | $1,880 |
| Beauregard | $1,335 | $1,160 | $1,275 | $1,359 | $1,421 |
| Bienville | $1,378 | $1,198 | $1,310 | $1,411 | $1,475 |
| Bossier | $1,356 | $1,186 | $1,302 | $1,374 | $1,434 |
| Caddo | $1,447 | $1,257 | $1,385 | $1,468 | $1,534 |
| Calcasieu | $1,475 | $1,291 | $1,420 | $1,489 | $1,552 |
What are State Minimum Liability Requirements for Louisiana?
Though you may want to opt for higher coverage, here are the minimum car insurance requirements in Louisiana if you are looking for state minimum liability coverage and need the cheapest policy to maintain coverage while on the road:
- $15,000 bodily injury liability per person
- $30,000 bodily injury liability per accident
- $25,000 property damage liability per accident
These are the minimum coverage limits required by the state. Keep in mind that these limits may not provide comprehensive coverage, and you may consider higher coverage limits or additional coverage options such as comprehensive and collision insurance for better protection.
Top Tips for Saving Money on Your LA Car Insurance Policy
Saving money on car insurance in Louisiana is possible through various strategies. Here are some of the top tips to help you secure the cheapest policy rates:
- Compare Multiple Quotes with InsuranceQuotes:
- Obtain quotes from multiple insurance providers to compare rates. Prices can vary, so shopping around allows you to find the most affordable option. Ins
- Bundle Policies:
- Bundle your auto insurance with other policies, such as home or renters insurance, with the same provider. Many insurers offer discounts for bundling.
- Maintain a Good Driving Record:
- Safe driving habits can lead to lower premiums. Avoid accidents and traffic violations to maintain a clean driving record, which is often rewarded with lower insurance costs.
- Increase Deductibles:
- Consider raising your deductibles for comprehensive and collision coverage. Higher deductibles typically result in lower premiums.
- Ask About Discounts:
- Inquire about available discounts, such as good student discounts, safe driver discounts, or discounts for safety features on your vehicle. Insurance providers may offer various discounts that can significantly reduce your premium.
- Maintain Good Credit:
- Insurers in some states, including Louisiana, use credit scores to determine premiums. Maintaining a good credit score may help lower your car insurance costs.
- Choose a Safe Car:
- Vehicles with safety features may qualify for lower premiums. Check with your insurance provider to see if your car’s safety features make you eligible for discounts.
- Review Your Coverage:
- Regularly reassess your coverage needs. If your circumstances change or if you have an older vehicle, you may be able to adjust your coverage to save on premiums.
- Drive Less:
- If possible, reduce your annual mileage. Some insurance companies offer discounts for low-mileage drivers.
- Take Advantage of Loyalty Discounts:
- Inquire if your insurance provider offers discounts for long-term customers. Loyalty rewards may be available for staying with the same company.
- Complete a Defensive Driving Course:
- Some insurers offer discounts for completing defensive driving courses. Check with your provider to see if this option is available.
How Much Does a DUI Raise Your Car Insurance Premiums in Louisiana?
In Louisiana, a DUI conviction remains on your driving record for several years, typically five to ten years, depending on the severity of the offense. During this time, insurers are likely to view you as a higher risk, leading to increased premiums.
The legal blood alcohol concentration (BAC) limit for drivers in Louisiana is 0.08%. Penalties for driving under the influence (DUI) can include fines, license suspension, and possible imprisonment.
On average, the increase in insurance premiums after a DUI can range from 50% to 100% or more. It’s essential to note that this is a general estimate, and individual circumstances may lead to higher or lower increases. The impact of a DUI on insurance costs is substantial, emphasizing the importance of avoiding impaired driving for both safety and financial reasons.
If you’ve been convicted of a DUI, it’s advisable to shop around for car insurance quotes, as different insurance providers may assess risk differently. Additionally, some insurers specialize in providing coverage for high-risk drivers, but their premiums are likely to be higher than those for drivers with clean records. Always disclose your DUI conviction when seeking insurance quotes to ensure accurate pricing and coverage information.
Important Driving Laws in Louisiana
- Seat Belt Laws:
- All occupants of a passenger vehicle must wear seat belts. Children under the age of 13 must be secured in an appropriate child restraint system.
- Cell Phone Use:
- Handheld cell phone use is prohibited for all drivers in school zones and by novice drivers (those under the age of 18). Louisiana law prohibits texting while driving for all drivers.
- Drunk Driving (DUI) Laws:
- The legal blood alcohol concentration (BAC) limit for drivers in Louisiana is 0.08%. Penalties for driving under the influence (DUI) can include fines, license suspension, and possible imprisonment.
- Child Passenger Safety Laws:
- Children under the age of 13 must be secured in the rear seat of a vehicle. Child restraint systems are required for children based on age, weight, and height.
- Insurance Requirements:
- Louisiana law requires drivers to carry minimum liability insurance coverage. Failure to provide proof of insurance can result in penalties, fines, and possible license suspension.
Choosing Auto Insurance Coverage in Louisiana
Auto insurance is a large investment, so it is important to choose an auto insurance company that you feel has your best interest at heart. Although getting a great rate is ideal, that should not be your only concern. It is important to fully understand just what your policy covers.
While it may be tempting to accept just the minimum coverage required by law, saving a few bucks on the front end can end up costing you dearly in the event of an accident. There are other options available to you, including:
- Comprehensive Coverage (covers you against things like theft and damage not related to an accident.)
- Collision Coverage (covers damage to your car in the event of an accident.)
- Medical Payments Coverage.
- Uninsured/Underinsured Motorist Coverage.
- Emergency Roadside Service.
Some of these options may be ideal for your needs. It is important to discuss it further with your insurance agent to make a plan to protect your assets.
Moving to Louisiana: Important Information
You must register for a Louisiana driver’s license within 30 days of moving to the state. One exception is if you are a full time student. To obtain a Louisiana driver’s license you must bring the following information.
- Your current state license and registration.
- Your insurance card.
- The title of your vehicle.
- A completed vehicle registration form.
Additionally, you should expect to pay a 4 percent usage tax. More information is available on the OMV website.
You also have 30 days to change your registration from an out of state to a Louisiana state registration. You will need to have several documents to complete your registration.
- Your current registration.
- Proof of insurance.
- Title of the vehicle.
- Proof of tax payment (from out of state tax paid.)
In addition, you will need to fill out a vehicle registration form. At that time, you will be scheduled for a vehicle inspection to inspect for safety.
