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Car insurance rates have increased in Louisiana over the past few years—but that doesn’t mean you can’t find cheap car insurance in the state. If you’re a driver looking for affordable premiums and comprehensive coverage, we can help. Start the process of finding the right budget-friendly insurance for your needs by clicking to get a free quote.

Quick Louisiana Car Insurance Facts

Before you commit to a car insurance policy, here are some important facts you should know about car insurance in the state of Louisiana:

  • Drivers in Louisiana pay an average of $1,263 annually for car insurance.
  • Louisiana ranks 47th in the nation in the category of affordable car insurance.
  • Car insurance rates are about 75% higher than the national average cost of car insurance.
  • Every vehicle must meet 15/30/25 liability limits in the state.
  • An average of 681 people die every year in car crashes.
  • About 12% of Louisiana drivers are uninsured or under-insured.
  • The state ranks 26th in the nation for uninsured motorists.
Louisiana-cheap-car-insurance

Minimum Louisiana Car Insurance Coverage

According to state law, Louisiana drivers must carry minimum liability insurance of 15/30/25. This means every driver must have the following liability coverage:

Bodily injury: $15,000 for the death or injury of one other person

Bodily injury: $30,000 total for death or injury of all affected people

Property damage: $25,000 for property damage, including vehicles and stationary objects

Getting Cheap Car Insurance In Louisiana

You could be paying less for car insurance simply by taking a few extra steps as you research car insurance providers. Here are some tips to help you save on your car insurance coverage:

  1. Start with minimum coverage: Don’t need full coverage? Starting with minimum liability coverage will save you money on your monthly bills.
  2. Compare prices: Every provider has different premiums and offerings, so take time to shop around for the best option.
  3. Stay on the defense: Defensive drivers are less likely to get in accidents or receive tickets, which will raise your car insurance rates.
  4. Louisiana insurance programs: Find out if you qualify for state car insurance discounts.

Louisiana Car Insurance Discounts

Here are a few of the car insurance discounts you may be eligible for in Louisiana:

Good Driver: Some Louisiana drivers could qualify for car insurance discounts—simply by having a good driving record.

Good Student: If you’re a high school or college student with good grades, you might be able to receive discounted insurance rates.

FAQ

What is the average car insurance cost in Louisiana?

Louisiana drivers pay about $2,536 annually for car insurance coverage.

How much is car insurance per month in Louisiana?

Monthly car insurance rates break down to about $211.

What is the penalty for driving without insurance in Louisiana?

Those who drive without insurance in Louisiana could pay fines of $500-1,000 or have their license and registration suspended.

What is driving like in Louisiana?

Roughly 12% of Louisiana drivers are uninsured or under-insured, and there are about 681 fatal car crashes every year.

How can I save money on my car insurance policy in Louisiana?

Don’t pay more than you need to for car insurance in Louisiana. Here are some easy ways to save:

  • Inquire about discounts for multiple-car insurance 
  • Inquire about student driver and good driver discounts 
  • Inquire about discounts for car safety features 
  • Inquire about payment installment plans
  • Inquire about high deductible coverage

Other Types of Coverage

Looking for more than just minimum car insurance coverage? Here are some other types of car insurance to consider:

Uninsured Motorist Coverage (UMC)/Underinsured Motorist coverage (UIM)

Medical Payments Coverage

Physical Damage Coverage

Additional Kinds of Coverage 

Endorsements and Riders

  • Towing and road service
  • Rental car reimbursement 
  • Gap insurance

Cities We Cover In Louisiana

If you’re a Louisiana driver ready to save money on cheap car insurance, we’re here to serve you. Find us in a town nearby, including:

Average Annual Premiums in Louisiana = $2,536 | via Insure.com

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