Louisiana Car Insurance [Rates + Cheap Coverage Guide]

Louisiana's average car insurance rates are $1,405.36/yr or $117.11/mo. Louisiana car insurance has minimum liability requirements of 15/30/25 for bodily injury and property coverage.

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UPDATED: Jun 2, 2022

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Written By: Laura BerryReviewed By: Joel OhmanUPDATED: Jun 2, 2022Fact Checked

Louisiana Statistics SummaryDetails
Road Miles in State61,419
Number of Vehicles Registered3,772,692
Most popular vehicleFord F-150
Uninsured %13%
Total Driving Related DeathsSpeeding: 177
DUI: 225
Average Annual PremiumsLiability: $775.83
Collision: $414.36
Comprehensive: $215.17
Cheapest ProvidersUSAA
State Farm
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Lousiana is called “The Pelican State”, due to its abundance of the brown pelican. That is not the only nickname for the state, however. It boasts many other nicknames, among them being “The Birthplace of Jazz”, “The Bayou State”, and “The Creole State”. You may know Louisiana as the home of New Orleans and Mardi Gras.

Driving in Louisiana may drive you crazy, but it doesn’t mean that searching for car insurance should drive you crazy along with it!

Relax, and let the good times roll, because we have put together a guide that has all the car insurance information that you’d ever want to know about Louisiana: coverage and rates, car insurance providers, state laws, and lots of other stuff.

Guess what…comparing rates is a great way to put money back into your pocket with big, big savings. Start today with just your ZIP code.

Table of Contents

Louisiana Car Insurance Coverage and Rates

Laissez rouler les bons temps…let the good times roll. And in Louisiana, there is no shortage of places to go, things to do, and cool jazz to listen to.

Before you get too much into these cool beats, take a moment to sit down and go over the requirements of car insurance in Louisiana.

Minimum Car Insurance Requirements in Louisiana

Insurance RequiredLimits
Bodily Injury Coverage$15,000 per person
$30,000 per accident
Property Damage Coverage$25,000
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Liability insurance pays anyone owed compensation when there is an accident you caused.

Louisiana follows the typical “fault” model. This means if an accident was your fault, you’re responsible for all the damages.

Louisiana requires that you carry, at the minimum, the following amounts:

  • $15,000 – covers injury/death per person.
  • $30,000 – covers injuries or death per accident.
  • $25,000 – covers property damage per accident.

Remember, these are the minimum requirements and do not cover injury, death, or damage to yourself or your own passengers!

Liability kicks in, however, no matter who is driving your car.

If you’re from out of state, your minimum car insurance requirements and rates could change! Take a look.

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Required Forms of Financial Responsibility in Louisiana

By law in Louisiana, you are required to have valid liability insurance to be able to register your car or renew your registration. If you have renewed your registration online or bought a car from a dealer and registered it, the Louisiana Office of Motor Vehicles (OMV), can verify your car insurance electronically. If you are stopped by law enforcement, you are required, by law, to show proof of insurance.

Louisiana accepts the following as proof of insurance or financial responsibility:

  • Insurance card.
  • Copy of your insurance policy.
  • A copy of your policy declaration page.
  • Cash/unencumbered negotiable securities worth $30,000.
  • Surety bond worth $30,000.

OR a statement from your insurer that must:

  • Be on your car insurance company’s letterhead.
  • Be signed by your insurance agent or a representative of the company.
  • Have a complete description of your vehicle.
  • Have your vehicle identification number (VIN).

Being caught without proof of insurance in Louisiana can give a police officer the authority to give you a Temporary Vehicle Use Authorization, or impound your vehicle.

Premiums as Percentage of Income in Louisiana

So, how much will you have to spend in Louisiana after all the necessities are taken care of?

In 2014, the annual per capita disposable personal income in Louisiana was $37,787.

Disposable personal income (DPI) is the total amount of money available for an individual to spend (or save) after their taxes have been paid.

The average annual cost of car insurance in Louisiana is $1,364, which is almost 4 percent of the average disposable personal income.

The average Louisiana resident has $3,148 each month to buy food, pay bills etc. The car insurance bill alone deducts about $113 out of that — much more if you have a less-than-perfect driving record.

Why is getting the best deal on car insurance so important?

American Consumer Credit Counseling suggests saving 20 percent of every paycheck. With Louisiana’s DPI, that’s a whopping $630 each month! How much are you setting aside for savings?

Average Monthly Car Insurance Rates in LA (Liability, Collision, Comprehensive)

Coverage TypesAnnual Costs in 2015
Collision $414.36
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The above table illustrates the most recent data provided by the leading source on the matter, the National Association of Insurance Commissioners. Expect car insurance rates in Louisiana to be significantly higher for 2019 and on.

Louisiana has seen several car insurance increases, as recently as last year.

Don’t forget: Louisiana has minimum requirements for liability coverage, but experts suggest drivers purchase more than what state law requires, especially when the state is an “at-fault” state like Louisiana.

You may be wondering: Why get more coverage than required? Louisiana has no snow, and no slippery roads to make for dangerous driving conditions (though it does have poor road conditions, ranked at the 40th worst roads in the United States). It is also a state that is highly rural, as opposed to urbanized.

Well, Louisiana tends to have more friendly judges willing to pay out more for bodily injury claims. According to USA Today, Louisiana has a large number of bad drivers making big claims and suing each other in front of friendly judges. This leads to high insurance payouts, which in turn leads to higher rates.

With this mind, in case you end up in court, you may want comprehensive coverage.

We can also easily how average car insurance rates in Louisiana compare with other states.

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Let’s make a case and talk about the most popular coverage options to add to a basic car insurance policy.

Additional Liability Coverage in Louisiana

A loss ratio shows how much a company spends on claims to how much money they take in on premiums. A loss ratio of 60 percent indicates the company spent $60 on claims out of every $100 earned in premiums.

Loss Ratio201220132014
Medical Payments (Med Pay)82.2185.2180.68
Uninsured/Underinsured Motorist84.4090.0791.66
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It is assumed that drivers in Louisiana will have uninsured or underinsured motorist coverage:

“Louisiana’s uninsured motorist coverage differs from other states’ laws. Louisiana assumes that motorists have uninsured motorist coverage unless it is specifically rejected. It’s a subtle difference that becomes very important when filing a lawsuit”

Louisiana ranked 20th in the nation in 2015 for uninsured or underinsured drivers.

If you notice, loss ratios in Louisiana are high. If they go past 100 percent, it means that the insurance company is losing money, and these assumptions of having coverage might be the reasoning behind the high loss ratios for insurance companies in Louisiana. And it CAN be proven in court that you may not have rejected coverage, as Louisiana lawyer Tim Young says:

“…we have absolutely handled cases where we’re able to show that the individual purchasing the policy never rejected such coverage. Courts will hold that they are entitled to UM or underinsured coverage unless they have specifically signed off on the rejection form.”

Long story short: if you don’t want the coverage, sign the rejection form.

Add-ons, Endorsements, and Riders

We know getting the complete coverage you need for an affordable price is your goal.

Good news: there are lots of powerful but cheap extras you can add to your policy.

Do you know what’s crazy? Louisiana has hot summers, with temperatures reaching upward of almost and over 90 degrees. It also has a rainy season, and it was the name of a Tom Petty song, “Louisiana Rain.”

As the weather can be wildly unpredictable, it’s best to be prepared for whatever Mother Nature throws at you.

Don’t get blown away by high car insurance premiums! Start comparison shopping today using our FREE online tool. Enter your ZIP code above to get started!

Here’s a list of other useful coverage available to you in Louisiana:

Average Monthly Car Insurance Rates by Age & Gender in LA

A popular myth: men pay more for car insurance. However, this myth mainly seems to hold true if you are a 17-year-old male in Louisiana. All other ages, it varies.

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CompanyMarried 35-year old female Annual RateMarried 35-year old male Annual RateMarried 60-year old female Annual RateMarried 60-year old male Annual RateSingle 17-year old female Annual RateSingle 17-year old male Annual RateSingle 25-year old female Annual RateSingle 25-year old male Annual Rate
Allstate P&C$4,254.40$4,254.40$4,394.91$4,394.91$9,256.33$11,657.16$4,694.46$5,083.73
Geico Cas$3,430.68$3,952.72$4,103.66$5,009.51$12,767.36$13,458.88$3,309.53$3,204.45
Progressive Security Ins.$4,158.02$3,880.90$3,483.46$3,762.32$16,529.91$18,373.77$4,746.19$4,834.20
State Farm Mutual Auto$2,851.05$2,851.05$2,619.17$2,619.17$8,404.12$10,538.72$3,180.57$3,569.11
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Cheapest Louisiana Car Insurance Rates by ZIP Code

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Where you live influences how much you pay for car insurance.

Cheapest ZIP Codes in Louisiana CityAverage Annual Rate by ZIP CodesMost Expensive CompanyMost Expensive Annual Rate2nd Most Expensive Company2nd Most Expensive Annual RateCheapest CompanyCheapest Annual Rate2nd Cheapest Company2nd Cheapest Annual Rate
71439HORNBECK$4,332.48Allstate$5,413.73Progressive$5,142.31USAA$3,187.12State Farm$3,544.31
71443KURTHWOOD$4,355.93Allstate$5,413.73Progressive$5,152.75USAA$2,981.19State Farm$3,857.06
71459FORT POLK$4,397.96Allstate$5,579.18Progressive$5,152.75USAA$2,981.19State Farm$3,926.59
71446LEESVILLE$4,408.37Allstate$5,579.18Progressive$5,152.75USAA$2,981.19State Farm$3,978.60
71403ANACOCO$4,430.85Allstate$5,413.73Progressive$5,142.31USAA$3,418.09State Farm$3,805.20
71474SIMPSON$4,435.33Allstate$5,579.18Progressive$5,152.75USAA$3,173.59State Farm$3,921.03
71461NEWLLANO$4,440.21Allstate$5,579.18Progressive$5,152.75USAA$3,172.35State Farm$3,946.65
71475SLAGLE$4,471.44Allstate$5,579.18Progressive$5,152.75USAA$3,418.09State Farm$3,857.06
71075SPRINGHILL$4,474.44Allstate$5,413.73GEICO$5,046.39State Farm$3,419.17USAA$3,645.13
71429FLORIEN$4,476.94Allstate$5,413.73Progressive$5,177.85State Farm$3,406.01USAA$3,555.97
71071SAREPTA$4,477.36Allstate$5,413.73GEICO$5,046.39State Farm$3,433.73USAA$3,645.13
71449MANY$4,546.33Allstate$5,413.73Progressive$5,387.48State Farm$3,543.35USAA$3,555.97
71426FISHER$4,568.59Allstate$5,413.73Progressive$5,177.85USAA$3,555.97State Farm$3,864.26
71486ZWOLLE$4,580.26Progressive$5,600.85Allstate$5,413.73State Farm$3,499.60USAA$3,555.97
71462NOBLE$4,587.34Progressive$5,600.85Allstate$5,413.73State Farm$3,534.99USAA$3,555.97
71468PROVENCAL$4,591.96Allstate$5,413.73Progressive$5,170.17USAA$3,580.55State Farm$3,785.75
71016CASTOR$4,592.82Allstate$5,413.73Progressive$5,270.63State Farm$3,553.73USAA$3,843.04
71072SHONGALOO$4,595.44Progressive$5,439.25Allstate$5,413.73State Farm$3,403.32USAA$3,645.13
71048LISBON$4,601.27Allstate$5,413.73Progressive$5,298.84State Farm$3,624.07USAA$3,645.13
71001ARCADIA$4,604.07Allstate$5,413.73Progressive$5,206.83State Farm$3,594.95USAA$3,758.45
71045JAMESTOWN$4,608.94Allstate$5,413.73Progressive$5,270.63State Farm$3,634.33USAA$3,843.04
71460NEGREET$4,610.52Allstate$5,413.73Progressive$5,387.48USAA$3,555.97State Farm$3,864.26
71406BELMONT$4,610.84Progressive$5,614.41Allstate$5,413.73USAA$3,555.97State Farm$3,577.97
71068RINGGOLD$4,613.19Allstate$5,413.73Progressive$5,216.23State Farm$3,709.97USAA$3,843.04
71038HAYNESVILLE$4,630.28Progressive$5,439.25Allstate$5,413.73State Farm$3,577.56USAA$3,645.13
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Hornbeck residents, depending on the ZIP code, have the cheapest annual rates when it comes to car insurance! However, there are some areas where you will pay much more for car insurance than Hornbeck residents.

Most Expensive ZIP Codes in Louisiana CityAverage Annual Rate by ZIP CodeMost Expensive CompanyMost Expensive Annual Rate2nd Most Expensive Company2nd Most Expensive Annual RateCheapest CompanyCheapest Annual Rate2nd Cheapest Company2nd Cheapest Annual Rate
70117NEW ORLEANS$9,303.50Progressive$11,349.19GEICO$10,722.66USAA$6,335.87State Farm$7,915.53
70127NEW ORLEANS$9,249.24Progressive$11,400.32GEICO$10,518.81USAA$6,555.17State Farm$7,577.65
70128NEW ORLEANS$9,203.05Progressive$11,483.77GEICO$10,518.81USAA$6,562.78State Farm$7,255.65
70126NEW ORLEANS$9,155.49Progressive$11,193.79GEICO$10,418.61USAA$6,628.66State Farm$7,342.14
70129NEW ORLEANS$9,123.75Progressive$11,277.24GEICO$10,565.56USAA$6,562.78State Farm$7,018.93
70113NEW ORLEANS$9,085.51Progressive$11,349.19GEICO$10,470.09USAA$6,205.63State Farm$7,208.41
70145NEW ORLEANS$9,034.55Progressive$11,349.19GEICO$10,722.66USAA$5,708.44State Farm$7,198.23
70146NEW ORLEANS$9,034.55Progressive$11,349.19GEICO$10,722.66USAA$5,708.44State Farm$7,198.23
70116NEW ORLEANS$9,013.80Progressive$11,286.61Allstate$10,194.23USAA$6,225.89State Farm$7,667.52
70122NEW ORLEANS$8,940.09Progressive$11,349.19GEICO$10,626.87USAA$5,798.83State Farm$6,731.32
70148NEW ORLEANS$8,877.47Progressive$11,349.19GEICO$10,626.87USAA$5,708.44State Farm$6,508.60
70119NEW ORLEANS$8,860.81Progressive$11,297.04Allstate$10,194.23USAA$6,016.67State Farm$7,081.33
70139NEW ORLEANS$8,675.04Progressive$11,286.61Allstate$10,194.23USAA$5,708.44State Farm$7,198.23
70163NEW ORLEANS$8,547.15Progressive$11,349.19Allstate$10,194.23USAA$5,708.44State Farm$7,198.23
70130NEW ORLEANS$8,542.14Progressive$11,286.61Allstate$10,194.23USAA$5,708.44State Farm$7,235.76
70112NEW ORLEANS$8,540.11Progressive$11,286.61Allstate$10,194.23USAA$5,708.44State Farm$7,428.67
70170NEW ORLEANS$8,521.57Progressive$11,286.61Allstate$10,194.23USAA$5,708.44State Farm$7,198.23
70125NEW ORLEANS$8,459.50Progressive$11,116.86Allstate$10,194.23USAA$6,004.41State Farm$6,878.72
70114NEW ORLEANS$8,180.81Progressive$11,286.61GEICO$9,623.03USAA$5,846.50State Farm$6,330.33
70032ARABI$8,001.83Progressive$11,220.15GEICO$8,646.01USAA$5,601.65State Farm$7,180.78
70058HARVEY$7,919.05Progressive$11,116.86GEICO$9,080.79USAA$5,410.50State Farm$6,169.49
70131NEW ORLEANS$7,899.82Progressive$11,411.76GEICO$8,621.16USAA$5,502.31State Farm$6,146.30
70053GRETNA$7,895.98Progressive$11,054.29GEICO$9,043.51USAA$5,455.88State Farm$6,108.63
70072MARRERO$7,857.95Progressive$10,759.92GEICO$8,816.72USAA$5,929.56State Farm$5,965.95
70043CHALMETTE$7,852.33Progressive$11,251.46GEICO$8,284.43USAA$5,601.65State Farm$6,763.55
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New Orleans has a majority of the most expensive ZIP codes.

Louisiana Car Insurance Rates by City

The table below shows which cities have the cheapest car insurance rates. Unsurprisingly, Hornbeck is the cheapest city.

Cheapest Cities in Louisiana Average Annual Rate by CityMost Expensive CompanyMost Expensive Annual Rate2nd Most Expensive Company2nd Most Expensive Annual RateCheapest CompanyCheapest Annual Rate2nd Cheapest Company2nd Cheapest Annual Rate
Hornbeck$4,332.48Allstate$5,413.73Progressive$5,142.31USAA$3,187.12State Farm$3,544.31
Kurthwood$4,355.93Allstate$5,413.73Progressive$5,152.75USAA$2,981.19State Farm$3,857.06
Fort Polk$4,397.96Allstate$5,579.18Progressive$5,152.75USAA$2,981.19State Farm$3,926.59
Leesville$4,408.37Allstate$5,579.18Progressive$5,152.75USAA$2,981.19State Farm$3,978.60
Anacoco$4,430.85Allstate$5,413.73Progressive$5,142.31USAA$3,418.09State Farm$3,805.20
Simpson$4,435.33Allstate$5,579.18Progressive$5,152.75USAA$3,173.59State Farm$3,921.03
New Llano$4,440.21Allstate$5,579.18Progressive$5,152.75USAA$3,172.35State Farm$3,946.65
Slagle$4,471.44Allstate$5,579.18Progressive$5,152.75USAA$3,418.09State Farm$3,857.06
Cullen$4,474.44Allstate$5,413.73GEICO$5,046.39State Farm$3,419.17USAA$3,645.13
Florien$4,476.94Allstate$5,413.73Progressive$5,177.85State Farm$3,406.01USAA$3,555.97
Sarepta$4,477.35Allstate$5,413.73GEICO$5,046.39State Farm$3,433.73USAA$3,645.13
Many$4,546.33Allstate$5,413.73Progressive$5,387.48State Farm$3,543.35USAA$3,555.97
Fisher$4,568.59Allstate$5,413.73Progressive$5,177.85USAA$3,555.97State Farm$3,864.26
Zwolle$4,580.26Progressive$5,600.85Allstate$5,413.73State Farm$3,499.60USAA$3,555.97
Noble$4,587.34Progressive$5,600.85Allstate$5,413.73State Farm$3,534.99USAA$3,555.97
Provencal$4,591.96Allstate$5,413.73Progressive$5,170.17USAA$3,580.55State Farm$3,785.75
Castor$4,592.82Allstate$5,413.73Progressive$5,270.63State Farm$3,553.73USAA$3,843.04
Shongaloo$4,595.44Progressive$5,439.25Allstate$5,413.73State Farm$3,403.32USAA$3,645.13
Lisbon$4,601.27Allstate$5,413.73Progressive$5,298.84State Farm$3,624.07USAA$3,645.13
Arcadia$4,604.07Allstate$5,413.73Progressive$5,206.83State Farm$3,594.95USAA$3,758.45
Jamestown$4,608.94Allstate$5,413.73Progressive$5,270.63State Farm$3,634.33USAA$3,843.04
Negreet$4,610.51Allstate$5,413.73Progressive$5,387.48USAA$3,555.97State Farm$3,864.26
Belmont$4,610.84Progressive$5,614.41Allstate$5,413.73USAA$3,555.97State Farm$3,577.97
Ringgold$4,613.19Allstate$5,413.73Progressive$5,216.23State Farm$3,709.97USAA$3,843.04
Haynesville$4,630.28Progressive$5,439.25Allstate$5,413.73State Farm$3,577.56USAA$3,645.13
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If you live in New Orleans, you don’t really luck out when it comes to prices on car insurance. You are paying some of the most expensive rates, with prices ranging from $7,000 – $9,000!

Most Expensive Cities in Louisiana Average Annual Rate by CityMost Expensive CompanyMost Expensive Annual Rate2nd Most Expensive Company2nd Most Expensive Annual RateCheapest CompanyCheapest Annual Rate2nd Cheapest Company2nd Cheapest Annual Rate
New Orleans$8,649.31Progressive$11,225.41Allstate$9,603.97USAA$5,944.69State Farm$6,997.47
Arabi$8,001.83Progressive$11,220.15GEICO$8,646.01USAA$5,601.65State Farm$7,180.78
Harvey$7,919.05Progressive$11,116.86GEICO$9,080.79USAA$5,410.50State Farm$6,169.49
Gretna$7,860.34Progressive$10,956.51GEICO$8,939.46USAA$5,455.88State Farm$6,132.24
Estelle$7,857.95Progressive$10,759.92GEICO$8,816.72USAA$5,929.56State Farm$5,965.95
Chalmette$7,852.33Progressive$11,251.46GEICO$8,284.43USAA$5,601.65State Farm$6,763.55
Meraux$7,789.28Progressive$11,282.73GEICO$8,452.79USAA$5,601.65State Farm$6,248.68
Poydras$7,346.93Progressive$11,312.43Allstate$7,360.57USAA$4,869.75State Farm$6,208.18
Lafitte$7,282.71Progressive$11,379.45Allstate$7,817.59State Farm$4,851.62USAA$5,264.66
Barataria$7,257.44Progressive$11,379.45Allstate$7,817.59State Farm$4,725.25USAA$5,264.66
Pointe A La Hache$7,254.34Progressive$11,312.43Allstate$8,110.10USAA$4,869.75State Farm$4,879.19
Kenner$7,250.98Progressive$10,866.48GEICO$7,913.35USAA$5,527.33State Farm$5,756.15
Belle Chasse$7,147.88Progressive$9,986.77Allstate$8,110.10USAA$4,869.75State Farm$5,430.25
Braithwaite$7,070.65Progressive$11,312.43Allstate$7,360.57State Farm$4,710.25USAA$4,869.75
Metairie$7,028.30Progressive$10,954.16GEICO$7,457.85USAA$5,202.82State Farm$5,401.80
Uncle Sam$7,025.29Progressive$11,546.32GEICO$6,829.86USAA$4,890.31State Farm$5,056.99
Burnside$7,011.06Progressive$11,546.32GEICO$6,829.86USAA$4,819.16State Farm$5,056.99
Port Sulphur$6,988.27Progressive$9,986.77Allstate$8,110.10USAA$4,869.75State Farm$4,874.50
Elmwood$6,943.52Progressive$10,878.87GEICO$7,590.53USAA$5,006.83State Farm$5,116.54
Baton Rouge$6,786.59Progressive$9,301.30GEICO$7,607.46USAA$4,869.88State Farm$5,317.05
Pilottown$6,775.22Progressive$8,916.82Allstate$8,110.10USAA$4,869.75State Farm$4,879.19
Boothville$6,756.68Progressive$8,916.82Allstate$8,110.10State Farm$4,786.49USAA$4,869.75
Venice$6,749.62Progressive$8,916.82Allstate$8,110.10State Farm$4,751.19USAA$4,869.75
Baker$6,694.24Progressive$9,061.48GEICO$7,592.92USAA$4,737.73State Farm$5,276.11
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Louisiana Car Insurance Companies

So many car insurance carriers compete for your business these days, that it can be hard to know which ones are the most reliable.

No need to worry, we’ve got you covered! Keep scrolling to find out who the 10 largest providers are across Louisiana.

Ready? Then allons-y!

The 10 Largest Louisiana Car Insurance Companies’ Financial Rating

AM Best gives insurance companies financial ratings. A good score means they are highly likely to stay solvent and have the ability to pay customer claims.

CompanyFinancial Rating
State Farm GroupA++
Progressive GroupA+
Allstate Insurance GroupA+
Liberty Mutual GroupA
USAA GroupA++
Southern Farm Bureau Casualty GroupA+
Goauto Insurance CoNot Rated (NR)
Amtrust NGH GroupNot Rated (NR)
Safeway Insurance GroupA
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There are a lot of factors that go into picking the best Louisiana car insurance company. Customer praise and complaints should be two of those factors.

Car Insurance Companies with the Best Ratings

The company that receives the most praise, located in the state of Louisiana (on this list), is Geico.

Companies with Most Complaints in Louisiana

It is interesting to note that, according to this Gallup poll, Millenials are the “least likely” to be fully engaged with their auto insurance provider.

Insurance Company Engagement by generation

Regardless of age, it doesn’t necessarily equate to dissatisfaction. Most dissatisfaction has to do with the quality of service. According to a resident from Metairie, Louisiana, this resident was less than satisfied with his or her insurance:

I had an accident in April, here it is August and they still haven’t paid my claim. UN-BE-FREAKIN-LIEVABLE. I saved 55 dollars a month…for this?”

CompanyAmount of Complaints (2017)
State Farm Group1,482
Progressive Group120
Allstate Insurance Group163
Liberty Mutual Group222
USAA Group296
Southern Farm Bureau Casualty Group$231,086
Goauto Insurance Co25
Amtrust NGH Group2
Safeway Insurance Group30
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Bear in mind, some complaints are based on general customer satisfaction, so factor that into your final decision.

If you happen to have a complaint, go to the Louisiana Department of Insurance and fill out their online forms.

Best Car Insurance Rates by Company

CompanyAnnual Average
Allstate P&C$5,998.79
Geico Cas$6,154.60
Progressive Security Ins.$7,471.10
State Farm Mutual Auto$4,579.12
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USAA is the least expensive in Louisiana when it comes to annual rates for car insurance. The most expensive company, annually, is Allstate.

Best Commute Rates in Louisiana

GroupCommute (in miles) Annual MileageAnnual Average
Progressive10 6000$7,471.10
Progressive25 12,000$7,471.10
Geico10 6000$6,034.79
State Farm25 12,000$4,697.11
USAA25 12,000$4,487.91
State Farm10 6000$4,461.13
USAA10 6000$4,218.32
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It is interesting and of note that Progressive and Allstate offer the same annual rates, no matter the commute.

Commute times are not the only factors considered when increasing or decreasing rates.

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Best Coverage Rates in Louisiana

GroupCoverage TypeAnnual Average
State FarmHigh$5,206.86
State FarmMedium$4,568.03
State FarmLow$3,962.47
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Progressive is the most expensive when it comes to high coverage, and USAA is the least expensive when it comes to high coverage.

Best Credit History Rates in Louisiana

GroupCredit HistoryAnnual Average
State FarmPoor$6,350.34
State FarmFair$4,086.69
State FarmGood$3,300.33
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Having good credit pays off if you are a USAA or a State Farm customer, as they offer the best rates. Those with poor credit can still find good rates at USAA, though it is almost doubled from if you have good credit.

Best Driving Record Rates in Louisiana

GroupDriving RecordAnnual Average
ProgressiveWith 1 accident$8,352.66
GeicoWith 1 DUI$8,315.63
ProgressiveWith 1 DUI$8,027.23
ProgressiveWith 1 speeding violation$7,281.29
AllstateWith 1 accident$7,221.89
GeicoWith 1 accident$6,755.09
AllstateWith 1 DUI$6,443.95
ProgressiveClean record$6,223.20
AllstateWith 1 speeding violation$5,575.49
USAAWith 1 DUI$5,514.32
GeicoWith 1 speeding violation$5,367.48
State FarmWith 1 accident$4,961.27
AllstateClean record$4,753.81
USAAWith 1 accident$4,611.20
State FarmWith 1 DUI$4,579.12
State FarmWith 1 speeding violation$4,579.12
State FarmClean record$4,196.97
GeicoClean record$4,180.19
USAAWith 1 speeding violation$3,965.32
USAAClean record$3,321.63
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USAA has the best rates if you have a perfect and clean driving record.

The 10 Largest Car Insurance Companies in Louisiana

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CompanyMarket Share
State Farm Group33.57%
Progressive Group13.37%
Allstate Insurance Group11.15%
Liberty Mutual Group5.63%
USAA Group5.52%
Southern Farm Bureau Casualty Group5.13%
Goauto Insurance Co3.21%
Amtrust NGH Group2.32%
Safeway Insurance Group1.62%
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Number of Car Insurance Providers in Louisiana

Property and Casualty InsuranceTotal Providers
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And when it comes to domestic versus foreign insurers in Louisiana, there are 34 domestic insurers compared to 819 foreign insurers.

Laws in Louisiana

In order to keep your car insurance rates low, you have to know the laws in your state so you’re not blindsided by a fine.

Don’t worry! We’re here to help.

Keep reading to learn about the laws specific to the state of Louisiana.

Louisiana’s State Laws

Car insurance laws vary from state to state, and Louisiana is no different.

State laws for insurance are determined under Title 22, otherwise known as the Louisiana Insurance Code.

High-Risk Insurance

Drivers with a history of accidents or traffic violations may find themselves unable to purchase coverage from an auto insurance carrier. This is where a type of insurance known as high-risk insurance comes into play.

But, don’t fret.

The Louisiana Automobile Insurance Plan was created to provide automobile insurance coverage to eligible risks who seek coverage and are unable to obtain such coverage through the voluntary market.

Low-Cost Insurance

Louisiana does not have any special low-cost programs for people who don’t have insurance. It is up to you, as the consumer, to shop around for the lowest rate. You can’t afford to NOT have insurance!

Windshield Coverage

In terms of windshield coverage, Louisiana does not have any laws specific to this. Insurers may use non-OEM aftermarket parts if mentioned on the estimate. Also, it’s important to note that the maximum comprehensive deductible (what you can claim on this) is $250.

Automobile Insurance Fraud in Louisiana

The Louisiana Automobile Theft and Insurance Fraud Prevention Authority (LATIFPA) “combats motor theft, insurance fraud, and other criminal acts.”

Insurance fraud is a felony in the state of Louisiana.

In 2008, the Coalition Against Insurance Fraud estimated that insurance fraud costs Americans at least $80 billion annually, nearly $950 a year per family.

According to the Louisiana Department of Insurance, the penalty for insurance fraud, whether it’s hard (deliberate criminal acts) or soft (little white lies), is severe:

“A person convicted of insurance fraud can be sent to jail for up to five years, with or without hard labor, and/or fined up to five thousand dollars for each count of insurance fraud.”

Long story short: don’t do it.

Statute of Limitations

A statute of limitations is the limit on the amount of time you have to bring a lawsuit to court. Different states have different statutes of limitations for personal injury and property damage matters.

If you are ever in an auto accident involving extensive injuries and damages, you need to know your rights in the matter.

Louisiana CC 3492 states you have up to one year following an accident to file charges in court.

Louisiana’s Vehicle Licensing Laws

Now, we all know that you can’t drive a car without a license. Let’s find out what Louisiana’s mandatory vehicle licensing laws are.

Penalties for Driving Without Insurance

Louisiana has strict rules for driving without insurance. If you knowingly drive without insurance, you are subject to fines of $500 to $1,000. You’re also subject to having your driving privileges suspended and revoked for up to 180 days.

If you falsely claim to have insurance, your license can be revoked anywhere from 12-18 months.

With a law known as “No Pay, No Play”, you are prohibited from collecting the first $25,000 in property damages and the first $15,000 in personal injuries (regardless of who causes the accident) if you are uninsured.

Teen Driver Laws

Teens are at a higher risk of being involved in an auto accident and are up to 50 percent MORE likely to be in an accident in the first month of driving alone.

With teen drivers and licensing teen drivers, Louisana takes the following precautions:

Teen Driving Laws in LouisianaRequirements #1Requirements #2Requirements #3
To get a learners license you must:
Have a minimum age of 15--
Before getting a license or restricted license you must:Have a mandatory holding period of 6 monthsHave a minimum supervised driving time of 50 hours, 15 of which must be at nightHave a minimum age of 16
Nighttime restrictions midnight-5 a.m. secondary enforcement11 p.m. - 5 a.m.no more than one passenger younger than 21 between the hours of 6 pm-5 am-
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Older Driver License Renewal Procedure

License RenewalProof of vision requiredMail or online renewal permitted
Every 6 years70 years and olderNo for 70 years and older
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New Residents

If you are about to make the move to Louisiana, here’s what you need to know:

  • You need to register your out-of-state car with the OMV.
  • You need to obtain a Louisiana driver’s license.
  • You need to register to vote in your new county.

If you’re active duty military stationed in Louisiana, you may be exempt from these requirements.

Vehicle Negligent Injury

When it comes to Louisiana and their negligence laws:

Under R.S. 14:30.1 of Louisiana driving law, vehicle negligent injury is inflicting any injury by an operator of any motor vehicle, aircraft, water-craft, or other means of conveyance when the offender is under the influence of alcohol or drugs and/or the offender’s blood alcohol concentration is 0.10 percent or more. Penalties for violations of these Louisiana traffic laws include fines of not more than $1,000 or imprisonment for not more than six months, or both.

Louisiana’s Rules of the Road

Now, before you get out on the open road in the Pelican State, you need to know the rules so you can stay safe and keep your car insurance rates down.

Fault vs. No-Fault

The first thing to know is that Louisiana follows a traditional fault-based system when it comes to financial responsibility for losses stemming from a crash: that includes car accident injuries, lost income, vehicle damage, and so on.

Keep Right and Move Over Laws

Louisiana is one of the few states that does have Keep Right laws. According to RS 32:71, you must keep right except to pass. You also must move right if blocking overtaking traffic.

Speed Limits

Maximum posted speed limits are 75 mph on rural interstates, 70 mph on urban interstates, 70 mph on limited access roads, and 65 mph on all other roads.

Carseat and Cargo Area Laws

All children five years and younger or less than 60 pounds must be restrained in a child safety seat.

Violation of Louisiana’s child seat law may not only put the child in danger, but could result in a fine of $100.

Children 6 years old and up who weigh 60 pounds or more are allowed to sit in all seats with no preference for the rear seat.

Louisiana imposes restrictions on who can ride in pickup truck cargo areas. There are gaps in coverage if you are 12 years of age on a non-interstate highway; if you are in a parade moving less than 15 mph, or if there is an emergency that requires you to be in the cargo area.


Rideshare services like Uber and Lyft mandate that all their drivers carry personal car insurance policies that align or exceed the minimum coverages dictated by state law. Drivers rarely carry their own commercial insurance coverage. There are a few options for drivers in Louisiana if they wish to carry rideshare insurance.

Automation on the Road

According to the Insurance Institute for Highway Safety (IIHS),

Automation is the use of a machine or technology to perform a task or function that was previously carried out by a human. In driving, automation involves using radar, camera and other sensors to gather information about a vehicle’s surroundings, which is then used by computer programs to perform parts or all of the driving task on a sustained basis.”

Currently, Louisiana has no restrictions on autonomous vehicles.

Louisiana’s Safety Laws

But wait, there’s more! Let’s dig deeper into Louisiana’s safety laws to protect you on the open road.

DWI Laws

Lousiana’s laws for driving while intoxicated are just as strict in adjecnt states.

Type of PenaltyFirst OffenseSecond OffenseThird OffenseFourth and Subsequent Offenses
License suspensionOne year
Two years for high BAC
Two years
Four years for high BAC
Three yearsVehicle seized
Fine$300 - $1000 + $100 reinstatement fee$750 - $1000 +$200 reinstatement fee
$2000 + $300 reinstatement fee$5000 + $300 reinstatement fee
Jail time48 hours in jail + up to six months in jail OR fine; up to two years probationAt least 48 hoursOne to five years with or without hard labor10-30 years, two years served w/o suspension or parole + home incarceration for at least one year
Other30 hours reeducation, 32+ hours community service, half must be street garbage pickuppossible 30 days community service +reeducation requirements of 1st DUI30 days community service, evaluation for addictive disorder, IID, probabation and home incarceration for any part of suspended sentence40 days community service
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Marijuana-Impaired Driving Laws

There are no marijuana-specific impaired driving laws in the state of Louisiana.

Distracted Driving Laws

In Louisiana, “192 people were killed from 2011 – 2015 because of some distraction either inside or outside the vehicle, and another 26,977 people were injured,” according to the Louisiana Highway Safety Commission. In an image from the LHSC, it says there are three types of distracted driving:

distracted driving inforgraphic

Louisiana has enacted legislation that bans texting for all drivers (which is a primary offense), hands-free usage in school zones, and no cell phone usage (including hands-free) for drivers under the age of 16.

Louisiana: Fascinating Facts You Need to Know

Do you want to know how safe it really is for drivers in Louisiana?

Well, the data our researchers found might surprise you.

Let’s take a look-see…

Vehicle Theft in Louisiana

Here are the top ten types of stolen cars in Louisiana:

VehicleYearNumber of Thefts (2016)
Chevrolet Pickup (Full Size)2006671
Ford Pickup (Full Size)2006584
GMC Pickup (Full Size)2006253
Toyota Camry2007224
Dodge Pickup (Full Size)2003222
Nissan Altima2014215
Honda Accord2008209
Chevrolet Impala2008177
GMC Yukon2003125
Chevrolet Tahoe2007114
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Risky/Harmful Driving Behavior

The best way to stay safe while driving is to always keep your eyes on the road and stay aware of common risky driving issues in your state.

Let’s delve into this a bit further.

Traffic Fatalities

Only three cities in Louisana topped the list for most traffic fatalities: New Orleans, Shreveport, and Baton Rouge. It makes sense, as they are the three biggest cities in Louisiana.

Traffic Fatalities by Person Type

Person TypeNumber of Fatalities
Traffic Fatalities760
Passenger Vehicle Occupant Fatalities
(All Seat Positions)
Motorcyclist Fatalities96
Pedestrian Fatalities111
Bicyclist and Other Cyclist Fatalities22
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In rural areas, the number of traffic fatalities was lower than in urban areas (though not by much): 369 in rural areas versus 390 in urban areas.

Fatalities by Crash Type

Crash TypeNumber
Single Vehicle440
Involving a Large Truck102
Involving Speeding177
Involving a Rollover204
Involving a Roadway Departure421
Involving an Intersection (or Intersection Related)141
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Five-Year Trend for the Top 10 Counties

East Baton Rouge Parish4150435265
Orleans Parish5350505544
Calcasieu Parish2424364738
Caddo Parish2940362736
Tangipahoa Parish2622364031
St. Tammany Parish2022262330
Terrebonne Parish2219162029
Ascension Parish2323192128
Jefferson Parish2224263428
Ouachita Parish2223212028
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Fatalities Involving Speeding by County

Acadia Parish2
Allen Parish0
Ascension Parish7
Assumption Parish1
Avoyelles Parish0
Beauregard Parish0
Bienville Parish0
Bossier Parish4
Caddo Parish9
Calcasieu Parish6
Caldwell Parish2
Cameron Parish0
Catahoula Parish0
Claiborne Parish0
Concordia Parish0
De Soto Parish2
East Baton Rouge Parish5
East Carroll Parish0
East Feliciana Parish4
Evangeline Parish2
Franklin Parish1
Grant Parish1
Iberia Parish2
Iberville Parish1
Jackson Parish0
Jefferson Davis Parish1
Jefferson Parish3
La Salle Parish0
Lafayette Parish5
Lafourche Parish11
Lincoln Parish2
Livingston Parish8
Madison Parish1
Morehouse Parish0
Natchitoches Parish0
Orleans Parish7
Ouachita Parish6
Plaquemines Parish1
Pointe Coupe Parish2
Rapides Parish4
Red River Parish2
Richland Parish1
Sabine Parish1
St. Bernard Parish 1
St. Charles Parish 4
St. Helena Parish1
St. James Parish0
St. John the Baptist Parish1
St. Landry Parish2
St. Martin Parish7
St. Mary Parish1
St. Tammany Parish10
Tangipahoa Parish 14
Tensas Parish 0
Terrebonne Parish 11
Union Parish 0
Vermilion Parish 0
Vernon Parish 6
Washington Parish 4
Webster Parish 1
West Baton Rouge Parish4
West Carroll Parish1
West Feliciana Parish0
Winn Parish2
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Fatalities in Crashes Involving an Alcohol-Impaired Driver by County

Acadia Parish4
Allen Parish0
Ascension Parish7
Assumption Parish0
Avoyelles Parish3
Beauregard Parish1
Bienville Parish0
Bossier Parish3
Caddo Parish14
Calcasieu Parish12
Caldwell Parish1
Cameron Parish1
Catahoula Parish0
Claiborne Parish0
Concordia Parish0
De Soto Parish1
East Baton Rouge Parish19
East Carroll Parish0
East Feliciana Parish2
Evangeline Parish3
Franklin Parish2
Grant Parish2
Iberia Parish2
Iberville Parish2
Jackson Parish1
Jefferson Davis Parish2
Jefferson Parish6
La Salle Parish1
Lafayette Parish5
Lafourche Parish5
Lincoln Parish2
Livingston Parish4
Madison Parish1
Morehouse Parish1
Natchitoches Parish0
Orleans Parish16
Ouachita Parish8
Plaquemines Parish1
Pointe Parish3
Rapides Parish2
Red River Parish2
Richland Parish1
Sabine Parish2
St. Bernard Parish0
St. Charles Parish2
St. Helena Parish6
St. James Parish1
St. John the Baptist Parish0
St. Landry Parish7
St. Martin Parish6
St. Mary Parish3
St. Tammany Parish6
Tangipahoa Parish7
Tensas Parish0
Terrebonne Parish13
Union Parish0
Vermilion Parish2
Vernon Parish3
Washington Parish2
Webster Parish3
West Baton Rouge Parish5
West Carroll Parish0
West Feliciana Parish1
Winn Parish0
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Teen Drinking and Driving

Teens and Drunk DrivingInfo
Alcohol-Impaired Driving Fatalities Per one million people1.3
Higher/Lower Than National Average (1.2)Higher
DUI Arrests (Under 18 years old)32
DUI Arrests (Under 18 years old) Total Per Million People28.73
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EMS Response Time

 Time of Crash to NotificationArrivalArrival at Scene to HospitalTime of Crash to Hospital
Rural5 minutes14 minutes45 minutes1 hour, 3 minutes
Urban4 minutes8 minutes33 minutes35 minutes
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Both rural and urban areas in Louisiana have fast EMS Notification times. It is in all the other categories where they greatly differ.


If you live in Louisiana, chances are you live in a two-car, or more, household, drive alone to work, and spend a hefty amount of your day commuting!

Car Ownership

Commute Time

With an average commute time of 24.2 minutes, Louisiana ranks below the national average of 25.3 minutes, but not by much.

Some Louisiana residents–2.88 percent, to be exact–suffer through a “super commute” — spending in excess of 90 minutes in the car!

Commuter Transportation

Most people in Louisiana like to drive in to work alone, with carpooling the second most popular option.

Traffic Congestion

Is traffic a major problem in Louisiana?

According to the INRIX Scorecard, a traffic study that ranks cities globally in terms of worst traffic congestion, the only city to make it to the list is New Orleans, ranked at 137 in the world for worst traffic, and 73 hours lost in congestion. That is fewer hours lost in congestion than in 2017, where 156 hours were lost in congestion. However, the ranking for worst traffic went up five spots: 142 in 2017 versus 137 in 2018.

What is it like to drive in Louisiana?

Au revoir. We hope this guide for Louisiana car insurance has helped you.

Don’t waste another minute while you wait. Start comparison shopping car insurance rates today!

Editorial Guidelines: We are a free online resource for anyone interested in learning more about auto insurance. Our goal is to be an objective, third-party resource for everything auto insurance related. We update our site regularly, and all content is reviewed by auto insurance experts.

A former insurance producer, Laura understands that education is key when it comes to buying insurance. She has happily dedicated many hours to helping her clients understand how the insurance marketplace works so they can find the best car, home, and life insurance products for their needs.

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Written by Laura Berry
Former Insurance Agent Laura Berry

Joel Ohman is the CEO of a private equity backed digital media company. He is a CERTIFIED FINANCIAL PLANNER™, author, angel investor, and serial entrepreneur who loves creating new things, whether books or businesses. He has also previously served as the founder and resident CFP® of a national insurance agency, Real Time Health Quotes. He has an MBA from the University of South Florida. Jo...

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Reviewed by Joel Ohman
Founder & CFP® Joel Ohman

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State Minimum Car Insurance Rates Nationwide
Average Monthly Car Insurance Rates by State
Average Monthly Car Insurance Rates by Age & Gender in Louisiana
Monthly Louisiana Car Insurance Rates by ZIP Code
Louisiana Car Insurance Rates by Company vs. State Average
Factors Affecting Car Insurance Rates in Louisiana
Louisiana Car Insurers by Market Share %
State Minimum Car Insurance Rates Nationwide
Average Monthly Car Insurance Rates by State
Average Monthly Car Insurance Rates by Age & Gender in Louisiana
Monthly Louisiana Car Insurance Rates by ZIP Code
Louisiana Car Insurance Rates by Company vs. State Average
Factors Affecting Car Insurance Rates in Louisiana
Louisiana Car Insurers by Market Share %