Find the Best Car Insurance Quotes & Options in Louisiana
The current average car insurance rate in Louisiana is about $1,774 per year. Louisiana actually ranks fourth-highest in the nation overall for the most expensive car insurance rates. The current national average cost of car insurance is $1,311, so resident drivers in Louisiana pay quite a bit more for their coverage. However, despite the higher average cost, you'll still need to be equipped with a car insurance policy before you can legally drive.
A Louisiana independent insurance agent can assist you in assembling the right car insurance policy for you. They'll get you set up with each type of coverage necessary. First, though, here's a closer look at car insurance requirements and more in Louisiana.
Best Car Insurance Companies in Louisiana
When it comes to car insurance companies, why not skip straight to the best? To help you save time on your coverage journey, we've put together a list of the best Louisiana car insurance companies, broken down by category and type. We've included the best Louisiana car insurance companies for minimum liability coverage, full coverage, young drivers, drivers with accident histories, and the best overall. Start off by checking out these top choices.
- Best Louisiana car insurance company overall: USAA
- Best Louisiana car insurance company for minimum liability: Progressive
- Best Louisiana car insurance company for full coverage: Progressive
- Best Louisiana car insurance company for young drivers: USAA
- Best Louisiana car insurance company for accident history: USAA
A Louisiana independent insurance agent can help you determine if any of these car insurance companies have the type of auto insurance you need.
Best Louisiana Car Insurance Company Overall: USAA
Our first choice for the best Louisiana car insurance company overall goes to USAA. USAA has a reputation for combining outstanding car insurance coverage and affordable premium rates. USAA has consistently high customer service ratings and offers several discounts as well. Rates for a full coverage car insurance policy from USAA average $2,065 annually in Louisiana.
Founded in 1922, USAA has more than a century’s experience in the insurance industry. The carrier was created by a group of Army officers who wanted to insure each other’s vehicles. The carrier has since expanded to servicing millions of customers across the country with a variety of coverage solutions.
Recently, USAA’s net worth surpassed $35 billion. USAA now has more than 13 million policyholders and 35,000 employees. USAA has also paid out $2.4 billion in returns to its customers over time. The insurance carrier is repeatedly rated highly by major agencies like Moody’s Investors Service and Standard & Poor. AM Best rates USAA an "A++," the highest available, for financial strength.
| Average Monthly Insurance Cost: Full Coverage Premium | Average Annual Insurance Cost: Full Coverage Premium |
| $172 | $2,065 |
Best Louisiana Car Insurance Company for Minimum Liability: Progressive
Our first choice for the best Louisiana car insurance company for minimum liability coverage goes to Progressive. Progressive allows drivers to get car insurance policies with just the minimum required liability coverages and no extras. A minimum-coverage-only policy from Progressive averages just $828 per year in Louisiana.
Founded in 1937, Progressive has been around for many decades. The carrier was the country's first to offer installment payments of policy premiums, which was groundbreaking at the time. Progressive's original mission was to become the number one choice for auto insurance with both consumers and agents.
Progressive is an excellent choice for drivers who just want to satisfy the state's minimum coverage requirements. But the carrier's extensive history and wide selection of other products have also made Progressive a top choice for many different types of insurance customers, no matter their needs.
| Average Monthly Insurance Cost: Minimum Liability Premium | Average Annual Insurance Cost: Minimum Liability Premium |
| $69 | $828 |
Best Louisiana Car Insurance Company for Full Coverage: Progressive
Our first choice for the best Louisiana car insurance company for full coverage also goes to Progressive. Not only does Progressive offer affordable minimum coverage auto insurance, but also makes getting an affordable auto insurance policy with "full coverage" easy for drivers in Louisiana. A "full coverage" auto insurance policy has more than just the minimum state-required coverages, and typically includes collision and comprehensive coverages among others. A full coverage policy from Progressive averages $226 per month in Louisiana.
| Average Monthly Insurance Cost: Full Coverage Policy | Average Annual Insurance Cost: Full Coverage Policy |
| $226 | $2,712 |
Best Louisiana Car Insurance Company for Young Drivers: USAA
Our first choice for the best Louisiana car insurance company for young drivers, including teens and students, goes to USAA. USAA makes affordable auto insurance readily available for teen drivers and young drivers in Louisiana. A car insurance policy for young drivers from USAA averages $255 per month in Louisiana for full coverage and $107 for minimum liability only.
| Average Monthly Insurance Cost: Full Coverage Policy for Young Drivers | Average Annual Insurance Cost: Full Coverage Policy for Young Drivers |
| $226 | $3,060 |
| Average Monthly Insurance Cost: Minimum Liability for Young Drivers | Average Annual Insurance Cost: Minimum Liability for Young Drivers |
| $107 | $1,284 |
Best Louisiana Car Insurance Company for Accident History: USAA
Our first choice for the best Louisiana car insurance company for drivers with accident histories goes to USAA. Though having just one accident or traffic violation on record can cause a driver's car insurance rates to skyrocket, USAA helps keeps premiums affordable. A car insurance policy for drivers with accident history from USAA averages just $161 per month.
| Average Monthly Insurance Cost: Premium for Drivers after an Accident | Average Annual Insurance Cost: Premium for Drivers after an Accident |
| $161 | $1,932 |
Louisiana Car Insurance Requirements
Without the state's minimum required car insurance, drivers can face penalties such as jail time or fines. They can even have their licenses suspended. That's why it's critical to make sure you're equipped with a car insurance policy that includes at least Louisiana's state-mandated minimum coverages. Drivers in Louisiana must carry at least:
- Bodily injury liability: In Louisiana, this coverage is required in the amounts of $15,000 per person and $30,000 per accident. Coverage pays the costs of medical treatment to another driver and their passengers after an accident you're at fault for.
- Property damage liability: In Louisiana, this coverage is required in the amount of $25,000 per accident. Coverage pays the costs of repairs to a third party's personal property, like a vehicle, fences, etc., if you damage it with your car.
Some optional car insurance coverages in Louisiana:
- Uninsured motorist coverage: Coverage pays for damage to your vehicle or medical treatments if another driver causes a collision and doesn't have any or enough insurance of their own.
- Personal injury protection: Coverage can pay for your own medical expenses after an accident you're at fault for.
- Gap coverage: Coverage can pay the difference between what your vehicle is worth and what you owe on your remaining vehicle loan after a collision.
- Roadside assistance: Coverage can pay for towing services if you break down on the side of the road.
- Collision: Pays for damage to your car from a collision with another driver, regardless of fault.
- Comprehensive: Coverage can pay for expenses after incidents of threats other than collision, including incidents with large animals, windshield breaks, and more.
- Rental car reimbursement: Coverage can pay for a rental car after a covered accident.
A Louisiana independent insurance agent can help you build the right car insurance policy for you.
Average Cost of Car Insurance in Louisiana
Car insurance rates in Louisiana rank the fourth highest in the US currently, at an average of $1,774 per year. The overall US average is just $1,311 per year, by comparison. But car insurance rates can vary by insurance company, as well as by other factors including your vehicle's value, the coverages you select, and more. Full coverage auto insurance in Louisiana starts at about $226 per month from more affordable carriers like Progressive.
Average Louisiana Car Insurance Costs by City
The city you reside in also influences car insurance premium rates. An area's local traffic and crime rates, as well as its storm risk and car values all impact the cost of car insurance there. Drivers in New Iberia pay about $2,265 annually for car insurance, which is the highest in the state. But in contrast, drivers in Shreveport pay just $1,533, on average, for car insurance annually, which is the lowest in the state.
Finding Car Insurance Discounts in Louisiana
Car insurance discounts are available from most auto insurance carriers in Louisiana. Stacking these discounts can help you save a ton of money on your car insurance premiums. Note that not all discounts will be available from every carrier. But in general, you can expect to find the following discounts offered by car insurance companies in Louisiana:
- Paperless billing: Awarded to car insurance customers who sign up for paperless billing statements.
- Student driver discounts: Awarded to car insurance customers with households that have a student driver.
- Safe driver discounts: Awarded to car insurance customers with a clean track record with no accidents or traffic violations over the past few years.
- Anti-theft devices: Awarded to car insurance customers whose vehicles are equipped with anti-theft devices that add to their security, such as an alarm.
- Military discounts: Awarded to active or even retired military members.
- Other discounts: If a car insurance customer belongs to a certain organization such as a union, group, or the government, or is a teacher, they may earn an additional discount on car insurance premiums.
A Louisiana independent insurance agent can help find all the car insurance discounts you are eligible for and will help you save as much money as possible on your coverage.
How to Find the Best Car Insurance Quote in Louisiana
Working with a Louisiana independent insurance agent is one of the easiest ways to find the best car insurance quote in Louisiana. These agents shop and compare car insurance policies from multiple different insurance companies for you. Afterward, they present you with only the best quotes, which combine quality coverage with affordable prices from top-rated carriers. Work with a Louisiana independent insurance agent to find the best car insurance quote in your area today.
How to File a Car Insurance Claim in Louisiana
Filing a car insurance claim in Louisiana doesn't have to be a hassle after an already stressful event. If it comes time to file a car insurance claim, your Louisiana independent insurance agent can actually handle it for you entirely. However, if you choose to file on your own, follow these easy steps:
- File a police report ASAP: First up, file a police report right after an accident or other incident occurs.
- Tend to any injuries: Next, seek medical attention for those in need right away.
- Call your independent insurance agent: Now, alert your independent insurance agent of what happened so they can stay updated and advise you on where to go from here.
- Arrange for a rental vehicle: Unless your agent handles this for you, you may need to arrange for a rental vehicle from your carrier while yours undergoes repairs.
- Schedule a visit from an adjuster: Finally, your vehicle's damage will probably need to be evaluated by an insurance adjuster.
Your Louisiana independent insurance agent can handle the entire claims process for you, by contacting your car insurance company directly. They can let you know when every step of the process is completed.
How does your city measure up to the national average?
National average time spent commuting 26.9 Min
National average car thefts per 1,000 2.3 Year
National average car insurance cost $1,311 Year
| City | Commute time (min) | Auto thefts / 1,000 | Annual insurance cost |
| Abbeville | 25.5 | 0.17 | $1,657 |
| Alexandria | 19.2 | 4.98 | $1,620 |
| Baker | 25 | 0.76 | $2,002 |
| Bastrop | 22.4 | 2.56 | $1,637 |
| Baton Rouge | 21.3 | 3.62 | $2,043 |
| Central | 31.4 | 0.69 | $1,824 |
| Covington | 24.4 | 0.66 | $1,709 |
| Lafayette | 21.2 | 2.53 | $1,683 |
| Lake Charles | 17.2 | 2.9 | $1,980 |
| New Iberia | 22.7 | 2.33 | $2,265 |
| New Orleans | 24.2 | 7.48 | $2,170 |
| Oakdale | 26.2 | 1.15 | $1,711 |
| Shreveport | 19.1 | 3.45 | $1,533 |
| West Monroe | 16.3 | 3.32 | $1,637 |
Popular Questions about Louisiana Car Insurance
The annual average cost of Louisiana car insurance is $1,774, or about $147.83 per month. Louisiana's car insurance rates rank fourth-highest in the nation. The current national average cost of car insurance is only $1,311 per year, or about $109.25 per month.
In Louisiana, you're required to carry at least bodily injury liability and property damage liability coverage. But you'll likely want a more comprehensive auto insurance policy to fully protect yourself and your vehicle, so you may choose to add extras like collision coverage, personal injury protection, uninsured motorist coverage, and more. What your policy covers depends on what you put into it.
Louisiana liability car insurance is required in two forms: property damage liability and bodily injury liability. Property damage liability pays for damage you cause other's property, including vehicles, fences, etc., with your own vehicle. Bodily injury liability pays for the costs of medical treatment for another driver and their passengers if you are at fault for an accident.
In Louisiana, 13% of all drivers are uninsured. This matches the current national average of 13%.
Our research found that the best car insurance companies in Louisiana currently are USAA and Progressive. These Louisiana car insurance companies were chosen based on customer reviews, official ratings, premium rates, policy options, discount availability, and more.
In Louisiana, you are required to carry the state minimum liability limits before you can legally drive. All Louisiana drivers must carry at least $15,000 per person and $30,000 per accident of bodily injury liability, and at least $25,000 in property damage liability coverage.
No, Louisiana is not a "no-fault" state. In fact, Louisiana is a "tort" state. This means that victims of car accidents must be able to provide proof that it was the other driver's fault to be able to recover any financial reimbursement from them.
If you drive without insurance in Louisiana, you could face fines of between $500 and $1,000 for the first offense. Other penalties you may face include having your car impounded, your license revoked, a ticket, and additional charges.