Cheap Car Insurance in Louisiana 2019

Fast, Free Auto Insurance Quotes

Finding cheap Louisiana car insurance

Looking for cheap Louisiana car insurance? We've analyzed average insurance premiums reported by EverQuote users so you can see how prices compare for Louisiana drivers. (See methodology at the bottom of the page.)

Sections:

  Louisiana insurance vs. the U.S. average
  Average Louisiana insurance premiums by company
  Insurance increases after a speeding ticket
  Insurance increases after an accident
  Average premiums for Louisiana cities
  Find cheap Louisiana auto insurance

Louisiana insurance vs. the U.S. average

Average insurance premiums paid by Louisiana drivers with good records are higher than the national average:

  • $2,108/year Louisiana average.
  • $1,684/year national average.

Average Louisiana premiums by company

Company

Average yearly premium in Louisiana

Farm Bureau

$1,891

Safeway Insurance

$1,919

AAA Insurance/Auto Club

$1,937

Auto-Owners Insurance

$1,987

The General

$2,083

Allstate

$2,099

Geico

$2,145

State Farm

$2,150

USAA

$2,158

Progressive Insurance

$2,177

Esurance

$2,202

Safeco

$2,217

Liberty Mutual

$2,370

Insurance increases in Louisiana after a speeding ticket

Louisiana drivers who get a speeding ticket end up paying an average insurance increase of 22%, slightly lower than the nationwide average increase.

State Annual premium with clean driving record Annual premium with speeding ticket % increase
Louisiana $2,108 $2,577 22%
Nationwide average 26%

Insurance increases in Louisiana after an accident

Louisiana drivers who cause an accident get an average insurance increase of 35%, similar to the national average increase.

State Annual premium with clean driving record Annual premium with a chargeable accident, no injury % increase
Louisiana $2,108 $2,854 35%
Nationwide average 36%

Average premiums in Louisiana cities

City

Average annual premium

Alexandria

$2,004

Baton Rouge

$2,181

Bossier City

$1,841

Chalmette

$2,096

Covington

$2,011

Denham Springs

$2,249

Gonzales

$2,326

Gretna

$2,245

Hammond

$1,945

Harvey

$2,384

Houma

$1,959

Kenner

$2,141

La Place

$2,175

Lafayette

$2,125

Lake Charles

$2,132

Marrero

$2,234

Metairie

$2,234

Monroe

$2,013

New Iberia

$1,959

New Orleans

$2,321

Opelousas

$1,920

Shreveport

$2,027

Slidell

$2,029

Sulphur

$2,122

Thibodaux

$2,070

West Monroe

$1,960

Westwego

$2,195

How to get cheaper Louisiana auto insurance

  • Get car insurance quotes from multiple insurance companies so that you can see how prices compare. The cheapest company for your family member or friend may not be the cheapest company for you.
  • Keep a clean driving record. Try to avoid accidents, tickets and insurance claims.
  • Ask your auto insurance agent to review the available car insurance discounts.
  • Increase the deductible on comprehensive and collision coverage, if you buy them.
  • Buy renters or home insurance from your car insurance company to get a "bundling" discount.

Minimum Louisiana car insurance

Louisiana requires only one kind of car insurance: Liability. But drivers often need more than the state minimum insurance to be properly insured. Let's look at the choices so you can make the right picks.

Minimum liability insurance in Louisiana:

Auto liability insurance pays other people if you cause a car accident. It covers their medical bills and property damage. Liability insurance does not cover damage to your own car or your injuries.

  • $15,000 bodily injury per person
  • $30,000 bodily injury per accident
  • $25,000 property damage per accident

This is often written as 15/30/25.

Uninsured/underinsured motorist (UM/UIM) coverage:

  • Louisiana insurance companies must offer you UM/UIM coverage but you can reject it in writing. UM/UIM pay your medical bills if you're hit by a driver who has little or no auto insurance. If you buy UM/UIM the minimum limits are 15/30. A form of UM called uninsured motorist property damage (UMPD) is also available in Louisiana. This covers your vehicle damage caused by an uninsured driver.

   More: Cheap car insurance in Louisiana

Medical payments (MedPay)
  • MedPay is available in Louisiana. It covers medical bills and funeral expenses for you and your passengers no matter who caused an accident, up to the MedPay limit you choose. If you have health insurance you may not need MedPay coverage.

Comprehensive and collision coverage:

  • These optional types cover damage to your own car from hitting another car or an animal, vandalism, hail, flood, fire and explosions. Comprehensive insurance also covers theft if your car is stolen and not recovered.

You must show an insurance ID card (or other proof of financial responsibility) in Louisiana if:

  • Law enforcement requests it
  • Your vehicle is in a car accident

Penalties for not having auto insurance

  • In Louisiana, failure to maintain required security or allowing coverage to lapse is subject to revocation of the vehicle's registration, vehicle impoundment, and cancellation of the vehicle's license plate. Sanctions will not be removed until the required security is provided and reinstatement fees paid.
  • Submitting false information in an application for registration or vehicle inspection or otherwise that the vehicle was covered subject to the above-mentioned penalties for revocation, impoundment, and cancellation, but for a period of 12 to 18 months. Sanctions not removed until proof of security provided along with reinstatement fees.
  • Failure to provide proof of insurance in Louisiana is subject to vehicle impoundment with a reinstatement fee of $100 for the first offense, $250 for a second offense,and $500 for subsequent offenses.
  • Falsely stating to Louisiana Secretary of Public Safety that applicant has valid insurance is a misdemeanor punishable by a fine of not less than $500, nor more than $1,000, or jail for up to 30 days.
  • Knowingly operating a motor vehicle without required liability insurance is punishable by a fine of not less than $500, and no more than $1,000. If the vehicle is involved in an accident and is not covered by the security, the owner is subject to the following:
    • Fine not less than $500 nor more than $1,000;
    • Registration of vehicle revoked for 180 days; and
    • Driving privileges suspended for 180 days.
    • With limited exceptions, no recovery for first $15,000 of bodily injury and $25,000 of property damage if owner or operator of vehicle in accident fails to own or maintain insurance.

Source: Property Casualty Insurers Association of America

Auto insurance complaints in Louisiana

The Louisiana department of insurance collects complaints against insurance companies. Shown below are national complaint ratios which reveal the number of complaints relative to a company's size.

Car insurance complaints in Louisiana

Rates methodology: EverQuote analyzed premiums reported by our users. Premiums are based on policies with liability of 100/300/50 ($100,000 bodily injury per person, $300,000 bodily injury per accident, $50,000 property damage) and uninsured motorist coverage of 100/300 ($100,000 per person, $300,000 per accident). We used premiums collected between Jan. 1, 2017, and Dec. 31, 2018. Your own rates will be different.

Updated Feb. 27, 2019

Fast, Free Auto Insurance Quotes

Find a Louisiana auto insurance agent

Alexandria Car Insurance | Baton Rouge Car Insurance | Bossier City Car Insurance | Kenner Car Insurance | Lafayette Car Insurance | Lake Charles Car Insurance | Metairie Car Insurance | Monroe Car Insurance | Cheap Car Insurance in New Orleans | Shreveport Car Insurance | Chalmette Car Insurance | Gretna Car Insurance | Hammond Car Insurance | Harvey Car Insurance | Houma Car Insurance | LaPlace Car Insurance | Marrero Car Insurance | Natchitoches Car Insurance | New Iberia Car Insurance | Opelousas Car Insurance | Prairieville Car Insurance | Ruston Car Insurance | Slidell Car Insurance | Sulphur Car Insurance