Louisiana Car Insurance

From the cultural mystique of New Orleans to the swampy bayous teaming with alligators, Louisiana is a state that’s mostly made up of sediment that washed down from the Mississippi River centuries ago.

Native American tribes inhabited the land for thousands of years before the French claimed it as a territory they called La Louisiane. Though a mostly Southern state, Louisiana retains the cultural mix introduced by the French centuries ago, with languages like Cajun, Creole, Spanish, French, and West African still spoken, among others.

Many visitors from around the world come to the Bayous State for Mardi Gras in New Orleans and it’s worth exploring at least once, with a stroll through the French Quarter where some chicory coffee and famous beignets can wash away the party from the night before. Travel on the Mississippi River on a steamboat, take a tour through a swamp in Slidell or visit the largest free-roaming wildlife preserve in the U.S. at the Global Wildlife Center in Folsom.

If you’re looking for an affordable auto policy to keep you and your loved ones safe on the road, InsureOne expert agents can help you find the best auto insurance at a great rate in Louisiana.

Louisiana drivers pay annual auto premiums of $2,909 for full coverage and $805 for minimum liability insurance.

These premiums are significantly higher than national averages, which stand at around $2,014 and $622 for full and minimum coverage, respectively. That means drivers in this state pay between $183 and $895 more for auto insurance than drivers in other states.

What Does It Mean If Louisiana Is At-Fault?

Being an at-fault state means that drivers who cause a crash must pay to medically treat any injuries others involved sustain, as well as any funeral expenses if anyone involved dies as a result of their injuries. The at-fault driver must also pay for property damage they cause.

Affordable Car Insurance Rates Comparison by Cities in Louisiana

For a comparison of the average monthly premiums drivers pay in different cities across the state, check out our breakdown below.

City	Full Coverage Insurance	Liability Insurance Coverage
Baton Rouge	$273	$76
New Orleans	$322	$83
Lafayette	$230	$67
Shreveport	$181	$46
Alexandria	$246	$69

Our average monthly premiums by city are based on the following methodology: male, age 30, lowest possible legal coverage allowed by Louisiana.

What Types of Auto Discounts Are Available in Louisiana?

Drivers can save money on their premiums by being eligible for one or more discounts. If you own a house and two cars, for example, bundling homeowner’s insurance and auto coverage could land you a 25% discount.

Other rate-reducing discounts include:

• Defensive driver
• Good driver
• Military
• Anti-theft
• Loyalty
• Good student

Louisiana Car Insurance Laws

In Louisiana, the minimum mandatory liability coverage requirement is 15/30/25, and drivers must always carry proof of having auto insurance. Here’s a closer look at what this requirement means.

What Are the Mandatory Car Insurance Requirements in Louisiana?

A basic auto policy in Louisiana must provide 15/30/25 in liability coverage to pay for costs you cause in a crash. That means you’ll have:

• $15,000 to cover the medical treatment or funeral expenses of one person involved
• $30,000 to cover treatment for injuries or deaths if two or more persons are involved
• $25,000 to pay for property damage

Many drivers choose to increase the amount of liability coverage on their policies. This safeguards against being underinsured if medical expenses or damages caused in a crash exceed the minimum requirements.

What Is the Penalty for Driving Without Insurance in Louisiana?

Expect to pay $500 to $1,000 in fines if you’re caught driving without insurance in Louisiana. The state DMV will also revoke your driving privileges and have your vehicle impounded.

If you’re uninsured or are caught without proof of insurance when another driver crashes into you, you won’t be able to collect liability damages from the at-fault driver’s insurance company because of the state’s “No Pay, No Play” law. All drivers in Louisiana must carry proof of valid, active insurance at all times when they’re on the road.

What Factors Does Louisiana Law Allow in Determining Your Premiums?

States typically allow insurers to calculate premiums based on several factors. Some of the most important ones are:

• Age
• Gender
• Location
• Credit history
• Marital status
• Vehicle type
• Driving record and experience

What Is Driving Like in Louisiana?

Auto coverage brings added benefits that most drivers don’t see until they need to tap into their policies. These benefits include:

Limiting huge costs in the future. Monthly payments add up over time. This isn’t something drivers realize until a crash happens. That’s when all the paid coverage kicks in and helps take care of medical costs and property damage.
Keeping everyone involved in a crash protected. Auto policies ensure that everyone involved in an accident can get the medical attention they need by helping to cover the cost of treatment.
Having crash-related claims addressed promptly. From covering medical costs and property damage to having your vehicle towed to a repair shop, coverage from a trusted insurer takes care of all of these issues quickly.
Having supplemental medical coverage. Auto policies usually provide an additional layer of medical coverage that kicks in if you’re injured in a crash. This often includes medical expenses that your health insurance doesn’t typically cover.

At InsureOne, our expert agents help you find the best auto insurance with customizable options that best meet your needs.

How Many Car Accidents Happen in Louisiana?

In 2021, 887 fatal crashes in Louisiana resulted in 972 deaths. The following chart shows the number of fatal crashes in various cities across the state that year.

City	Fatal Crashes in 2021
Baton Rouge	75
New Orleans	61
Lafayette	16
Shreveport	24
Alexandria	11
Monroe	17
Ruston	2
Opelousas	1
Lake Charles	16
Crowley	1
Slidell	3
Tallulah	1
Natchitoches	6

Source: U.S. Department of Transportation National Highway Traffic Safety Administration.

How Many Uninsured/Underinsured Motorists Are in Louisiana?

Nearly 12% of Louisiana drivers aren’t insured. In 2019, it ranked number 26 among states with the highest number of uninsured or underinsured motorists.