Best Auto Insurance in Louisiana (2025)
Compare top-rated auto insurance companies in Louisiana. Find affordable coverage that meets LA state requirements and save up to 40% on your premium.
$2,298
Avg. Annual Premium
15/30/25
Minimum Coverage
New Orleans
Largest City
4.6 million
Population
Louisiana Auto Insurance Requirements
Louisiana has the second-highest auto insurance rates in the country due to high litigation rates.
Minimum Liability Coverage: 15/30/25
- • First number: Bodily injury per person
- • Second number: Bodily injury per accident
- • Third number: Property damage per accident
How to Find Cheap Car Insurance in Louisiana
Compare Multiple Quotes
Get quotes from at least 3-5 insurance companies. Rates in Louisiana can vary by hundreds of dollars for the same coverage.
Ask About Discounts
Safe driver, multi-policy, good student, and low mileage discounts can significantly reduce your premium.
Consider Higher Deductibles
Raising your deductible from $500 to $1,000 can lower your premium by 15-25%.
Maintain Good Credit
Most insurers in Louisiana use credit-based insurance scores. A good credit score can mean lower rates.
Drive Safely
A clean driving record is one of the best ways to keep your insurance costs down.
Louisiana Auto Insurance FAQs
What is the minimum auto insurance required in Louisiana?
Louisiana requires minimum liability coverage of 15/30/25 (bodily injury per person/per accident/property damage). Louisiana has the second-highest auto insurance rates in the country due to high litigation rates.
How much does car insurance cost in Louisiana?
The average annual car insurance premium in Louisiana is $2,298. Your actual rate may vary based on your driving record, age, vehicle, and coverage choices.
What factors affect auto insurance rates in Louisiana?
Key factors affecting Louisiana auto insurance rates include your driving record, age, credit score (where permitted), vehicle type, coverage levels, deductibles, and where you live within the state. Drivers in New Orleans typically pay more than those in rural areas.
How can I find cheap car insurance in Louisiana?
To find affordable car insurance in Louisiana: 1) Compare quotes from multiple insurers, 2) Ask about available discounts, 3) Consider raising your deductible, 4) Bundle with home insurance, 5) Maintain a clean driving record. The best rates often come from comparing at least 3-5 different companies.
Get Your Free Louisiana Quote
Compare rates from top insurers and save up to 40% on your auto insurance.
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