Louisiana Car Insurance Quotes
Everything You Need to Know About Auto Insurance in Louisiana
Native Americans were the first inhabitants of what is now known as Louisiana, with European settlers arriving thousands of years later and naming the land in 1682 in honor of King Louis XIV. The U.S. acquired the land as part of the Louisiana Purchase in 1803 and became the 18th state in 1812.
New Orleans, the state’s largest city, is known for its Mardi Gras festivities, with the first recorded parade in 1837. This event and the New Orleans Jazz Festival attract a large number of tourists each year. The state is an affordable place to live, with median home costs at $251,000, low property taxes, and employment opportunities in fields such as healthcare, oil, and banking. It is no wonder that 4.6 million people live here.
When you are on the road, having the best auto insurance at the best price in Louisiana can give you peace of mind. Your expert InsureOne agent’s goal is to find you a personalized policy at competitive rates, so you can get back to doing what you love with the peace of mind knowing you are protected.
How Much Does Car Insurance Cost in Louisiana?
Louisiana full coverage car insurance costs about $4,180 a year, while minimum liability coverage costs about $993. These prices are quite a bit more than the national averages of $2,014 for full coverage and $622 for the minimum liability coverage.
This is one of the most expensive states for auto coverage, in part due to its location in the hurricane zone and the increased risk of severe storms in recent years. Statistics show people in the state are filing more injury claims after auto accidents, which has also increased coverage costs.
What Does It Mean If Louisiana Is an At-Fault or No-Fault State?
Louisiana is an at-fault state. If you cause an accident, you are responsible for the cost of covering the property damage and medical or death expenses. Your liability insurance will cover these costs (up to your policy limits). In no-fault states, each driver pays for their own medical expenses regardless of who caused the accident. Property damage in no-fault states, however, is still covered on a fault basis.
Take all your questions to your agent, who will be happy to go more in depth about Louisiana’s at-fault vs. no-fault rules and answer any other questions you may have about auto coverage.
Affordable Car Insurance Rates Comparison by Cities in Louisiana
Auto insurance premiums vary from one ZIP code to the next. The chart below shows how much these costs vary in some cities and towns of different sizes:
| City | Full Coverage | Liability Insurance Coverage |
|---|---|---|
| New Orleans | $572 | $149 |
| Shreveport | $334 | $82 |
| Lafayette | $393 | $110 |
| Lake Charles | $399 | $101 |
| Monroe | $355 | $98 |
| Ruston | $298 | $62 |
| Baker | $400 | $108 |
| Port Allen | $425 | $108 |
We arrive at our average auto insurance costs by using a male driver, aged 30 with a clean driving record. Liability insurance coverage is the state‑required minimum. Full coverage is a 100K/300K/100K policy. Your costs will be different and based on your individual factors.
How Bundling Can Save Money in Louisiana
If you are in the market for homeowners coverage for your New Orleans home in addition to your auto coverage, ask your agent about bundling those two policies — an easy way to save up to 25% off your policies. If you need renters insurance for your rental home in Baton Rouge or anywhere else in the state, you can save up to 15% by bundling your policies.
Insurance bundling works with all kinds of coverage, whatever your needs. And it provides you with simplified bill paying and policy management. Your InsureOne agent will do all the shopping for you, providing you with one-stop-shop service to find you the best customized insurance choices in Louisiana.
Auto Insurance Discounts in Louisiana
There are other ways to save on your auto insurance premiums besides the multi-policy discount known as bundling. Ask your agent which ones are available to you. Some of these additional discounts for car insurance are:
- Telematics
- Senior driver
- Low mileage
- Car safety features
- Good driver history
- Safety driving course
- Full-time good student
Louisiana Car Insurance Laws
The state requires drivers to carry 15/30/25 coverage as proof that they are responsible for damage they may cause while driving. Here is some more in-depth information:
What Are the Mandatory Car Insurance Requirements in Louisiana?
The DMV insurance requirements in Louisiana state that drivers must have auto insurance to drive legally. The minimum limits for liability coverage, which covers damage you cause to someone else, are:
- Bodily injury liability (one person in an accident): $15,000
- Bodily injury liability (more than one person in one accident): $30,000
- Property damage liability (in one accident): $25,000
You may opt to increase your liability limits for extra protection from serious accidents. You may also consider adding collision and comprehensive coverage to your policy to pay for damage to your own vehicle. Collision pays for damage to your own car in an accident, while comprehensive covers your property from non-collision damage (flood, fire, vandalism, theft, etc.).
What Is the Penalty for Driving Without Insurance in Louisiana?
If you operate a car without auto insurance in Louisiana, you may lose your license, your car registration, and your license plates. If you are involved in an auto accident without the required coverage, you may lose your driver’s license for a longer period.
Depending on the situation, you may be subject to SR-22 insurance requirements. Louisiana may require the SR-22 certificate for up to three years in certain situations. Your agent can let you know if the SR-22 applies to your circumstances.
The state’s “No Pay, No Play” law excludes uninsured motorists from collecting the first $100,000 in property damage and the first $100,000 in personal injuries in any accident, regardless of fault.
What Factors Does Louisiana Law Allow in Determining Your Premiums?
Louisiana insurers review a number of factors when determining your personalized premiums. Here are some of the most important factors your agent will review:
- Age
- Gender
- Marital status
- Your driving record
- Your credit information
- Your residence ZIP code
- Your car’s age, make, and model
What Happens If I Damage Property?
If you crash into another car in a moment of distraction on U.S. Route 190 from Baton Rouge to Hammond, your liability will help pay for the damage. However, if you have the minimum $25,000 property damage liability and the cost comes to $30,000, you will need to pay that extra $5,000 out of pocket.
To help yourself avoid such a scenario, you may consider bumping up your liability policy limits. You may also want to purchase collision insurance to repair or replace your own property when you crash into any type of property. Even better, ask your agent about buying full coverage car insurance in Louisiana, which includes comprehensive coverage for losses from non-collision events.
You do not have to spend your time searching for “auto insurance near me” — your agent is happy to compare car insurance quotes in Louisiana to find you coverage, whatever your specific needs.
Driving Conditions in Louisiana
Louisiana’s hot, humid summers may cause tire blowouts and frustrated drivers. The state is also prone to flooding from hurricanes and tropical storms, which may cause precarious road conditions. Watch out for potholes and cracked asphalt on rural roadways and on portions of LA-328. It is essential to follow the rules of the road, wear your seatbelt, and pay close attention to the road and the other drivers.
Another way to protect yourself from an unexpected mishap is by having your InsureOne agent find you high-quality coverage you can count on when you need it most.
How Many Crashes Occur in Louisiana?
The state had 755 fatal accidents in 2023, according to records from the National Highway Traffic Safety Administration. See the location of some of these fatal accidents in the chart below:
| City | Annual Average Number of Fatal Car Crashes |
|---|---|
| New Orleans | 59 |
| Shreveport | 26 |
| Lafayette | 14 |
| Lake Charles | 7 |
| Monroe | 7 |
| Ruston | 1 |
| Baker | 0 |
| Port Allen | 1 |
Uninsured/Underinsured Motorists in Louisiana
In 2023, 11.7% of drivers in Louisiana had no auto coverage — that means about 12 out of 100 drivers are putting you at further risk. Your agent can help you understand the importance of adding uninsured/underinsured motorist coverage to your policy to help protect you from the potential damage these drivers may inflict if they crash into you.
Get the Best Car Insurance in Louisiana Today
Now that you better understand Louisiana’s auto insurance laws, it is time to get in touch with InsureOne to find the concierge service and cost savings you deserve. We provide top-tier service in English or Spanish to help you find affordable car insurance in Louisiana.
Our expert agents understand you have unique needs. To get started with our white-glove experience, get in touch with us in one of three easy ways. You can call us at (800) 836-2240, fill out an online form, or stop by your nearby office.
FAQs
How Much Does Car Insurance Cost in Louisiana?
The yearly cost of full coverage car insurance in Louisiana is about $4,180, and minimum liability is about $993. That comes to about $348 a month for full coverage and $83 a month for the minimum liability coverage.
What Are the Minimum Car Insurance Requirements in Louisiana?
DMV insurance requirements in Louisiana mandate that all drivers have at least 15/30/25 liability coverage, which means $15,000 in bodily injury to or death of one person in an accident, $30,000 for two or more persons in an accident, and $25,000 for property damage or loss in an accident.
Is Louisiana an At-Fault or No-Fault State for Car Insurance?
Louisiana is an at-fault state, which means the driver deemed responsible for the crash pays for the costs through their liability insurance. If expenses exceed the policy limits, the at-fault driver will pay out of pocket for the difference.
What Factors Influence Car Insurance Rates in Louisiana?
Insurers consider many factors, including your age, car information, marital status, and driving history, when determining your rates. Your agent will also consider the current cost of medical and auto repair costs, as well as car theft and accident rates in your area.
