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Car Insurance in Louisiana (Updated May 2024)

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Louisiana Car Insurance Quotes

Car insurance costs are up 22% from a year ago, with some states seeing even higher increases than others. Looking at Louisiana specifically, drivers are paying 45% more for car insurance than the national average, with Full Coverage costing Louisiana drivers an average of $275 per month

Similar to other states, the rates in Louisiana can vary widely by specific cities and zip codes as accident rates, car-related crime, and even weather can have significant influence over a driver's risk profile. Of course, a driver's profile also impacts the total cost of coverage, with age, driving history, and even credit score being some of the major factors evaluated by insurance providers. 

We partner with insurance experts to analyze millions of data points and get you the best car insurance in Louisiana. Read on to learn more about properly insuring your car in Louisiana. 

If you're ready for personalized recommendations, submit your ZIP code above and compare options instantly - absolutely free. 

Louisiana Car Insurance Laws

Louisiana operates under a tort system for auto insurance, meaning the at-fault driver (or their insurance) is responsible for covering the injuries and property damage sustained by the other party. The state also employs a comparative negligence rule — each driver involved in an accident can be assigned a percentage of fault. In the event of an accident, the total damages are then divided according to each party’s percentage of fault.

Louisiana has a notable regulation called the “No Pay, No Play” statute, which compels all drivers to carry the required insurance​​. The statute restricts uninsured drivers from collecting the first $25,000 in property damages and the first $15,000 in personal injuries if they’re involved in an accident, regardless of who is at fault.

Louisiana’s mandates the following minimum coverage:

The state requires all drivers to carry minimum liability insurance coverage of 15/30/25:

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

The state’s bodily injury minimums are significantly lower than national averages, while its property damage minimum matches the most common car insurance requirements in the U.S.

Proof of Insurance

doesn't have a grace period for obtaining insurance on a new car. ” 

Penalties for driving without insurance in Louisiana are severe and include the following:

  • Fines from $500 to $1,000
  • License suspension
  • Vehicle impoundment
  • Revocation of vehicle registration 

Subsequent offenses can lead to increased penalties, highlighting the state’s strict stance against uninsured driving. 

The state doesn’t have a grace period for obtaining insurance on a new car. Many insurance companies offer a period of temporary coverage for newly purchased vehicles if you have an existing policy. Check with your insurance provider for specific details.

Frequently Asked Questions

What is the quickest way to reduce my insurance premium in Louisiana?
The quickest and easiest way to reduce your insurance premium is to take advantage of discounts related to your account setup. Depending on the insurance provider, setting up Electronic Funds Transfer (EFT), signing up for Paperless billing, and paying your policy in-full can reduce your cost by 4% to 9% instantly.
What is the most common insurance discount in Louisiana?
The most common insurance discount is signing up for Paperless billing. We have seen discounts range from 3% up to 11% depending on the policy. It is important to note that not all carriers offer this discount and those that do might have rules of when it can be applied (usually around the start of your policy term).
How much will I save switching insurance providers in Louisiana?
How much you can save by switching carriers can vary widely by location, time of year, and your driving record. While some carriers offer a median discount of 6 - 7% for policy renewals, recent research suggests that you can save anywhere between 10 - 20% by switching to a new carrier. The best way to secure the highest savings on your policy is by shopping often and connecting with a licensed agent.

🔍 Auto Insurance Methodology - Premiums are sourced from over 30,000 zip codes across 200 insurance companies. We estimate premiums based on policies seeking 50/100 in liability with $500 deductibles for collision and comprehensive coverage. Rates are based a 35-year-old single female with a good credit score and no history of accidents or violations driving a 2023 Toyota RAV4 LE. We assume no unique benefits or discounts are applied for these rates. Your own rates may be different.