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Average cost of car insurance in Louisiana for 2023

Louisiana car insurance costs an average of $2,909 per year for full coverage and $805 per year for minimum coverage.

Updated Mar 30, 2023
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How much is car insurance in Louisiana?

The average cost of car insurance in Louisiana is $2,909 per year for full coverage and $805 per year for minimum coverage. Auto policies are more expensive in Louisiana than they are in the U.S. as a whole, where full coverage averages $2,014 per year and minimum coverage averages $622 per year.

Average minimum coverage premium in Louisiana Average annual full coverage premium in Louisiana
$805 $2,909
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Coverage.com, LLC is a licensed insurance producer (NPN: 19966249). Coverage.com services are only available in states where it is licensed. Coverage.com may not offer insurance coverage in all states or scenarios. All insurance products are governed by the terms in the applicable insurance policy, and all related decisions (such as approval for coverage, premiums, commissions and fees) and policy obligations are the sole responsibility of the underwriting insurer. The information on this site does not modify any insurance policy terms in any way.

Louisiana car insurance rates by city

Car insurance rates in Louisiana can be higher or lower than average based on your city. Larger metropolitan areas like New Orleans may have more vehicles on the road (which makes accidents more likely) and have higher costs of living (which makes claims more expensive) are likely to have higher rates than less densely populated cities. Here are the five most populated cities in Louisiana and average annual rates in each:

Louisiana city Average annual full coverage premium Percentage difference from Louisiana average annual full coverage premium
Baton Rouge $3,117 7%
Lafayette $2,786 -4%
Lake Charles $2,833 -3%
Metairie $3,247 12%
New Orleans $3,236 11%

Average car insurance costs by age and gender in Louisiana

It’s likely no surprise that Louisiana car insurance rates vary by age, especially for younger drivers. Younger drivers pay among the highest rates, even when added to their parents’ policy, due to their inexperience and the increased likelihood of an accident. Males also tend to pay higher rates than females; men are statistically riskier drivers than women. Rates can creep up again for seniors as well, although they generally aren’t as high as teen rates, as long as the driver has a clean driving record.

Age Average monthly full coverage premium in Louisiana Average annual full coverage premium in Louisiana
Age 16* $569 $6,823
Age 18 $800 $9,595
Age 20 $554 $6,649
Age 25 $311 $3,734
Age 30 $254 $3,053
Age 40 $244 $2,923
Age 50 $225 $2,698
Age 60 $224 $2,685
Age 70 $245 $2,943

*16-year-old calculated on parents' policy with discounts applied; 18- and 20-year-old are renters on their own policies with no discounts applied.

Age Average monthly full coverage premium in Louisiana Average annual full coverage premium in Louisiana
Age 16* $513 $6,150
Age 18 $693 $8,317
Age 20 $472 $5,659
Age 25 $288 $3,453
Age 30 $250 $2,999
Age 40 $241 $2,895
Age 50 $226 $2,711
Age 60 $223 $2,674
Age 70 $242 $2,902

*16-year-old calculated on parents' policy with discounts applied; 18- and 20-year-old are renters on their own policies with no discounts applied.

Cost considerations for young drivers in Louisiana

If you are a younger driver with your own car insurance policy, the average car insurance cost in Louisiana is even higher than if you were added to your parents’ policy. 18-year-olds on their own policy pay a staggering $8,956 per year on average for a full coverage policy, but rates do decrease as drivers get older and gain more experience.

Age Average annual full coverage premium for drivers on their parents' policy in Louisiana Average annual full coverage premium for drivers on their own policy in Louisiana
Age 16 $6,486 N/A*
Age 17 $6,044 N/A*
Age 18 $5,409 $8,956
Age 19 $4,759 $6,812
Age 20 $4,443 $6,154

*16- and 17-year-old drivers must be on their parents’ or legal guardian’s policy.

How does driving record impact the cost of car insurance in Louisiana?

Drivers of any age cited for speeding or driving under the influence, or who are responsible for an accident, are considered higher-risk than drivers with a clean driving record. Just a single speeding ticket could raise your premiums by over 20 percent in Louisiana, and a DUI conviction could cost you 93 percent more than if you had no incidents on your record. Considering that Louisiana auto insurance rates are already high, these increases could put a strain on your budget.

Driving incident Average annual full coverage premium in Louisiana Percentage increase in average annual premium
Clean driving record $2,909 0%
Speeding ticket $3,535 22%
Accident $4,025 38%
DUI $5,604 93%

Car insurance rates in Louisiana by credit score

It may surprise you to learn that your credit rating can affect your car insurance premiums, but it’s true in most states, including Louisiana, where car insurers are allowed to use your credit-based insurance score to calculate your premium. Car insurance for drivers with poor credit tends to be more expensive, because those with lower credit scores are more likely to file claims. How much is car insurance in Louisiana if you have poor credit? Drivers in this category pay 90 percent more than the state average for full coverage and 124 percent more than drivers with excellent credit.

Credit tier Average annual full coverage premium in Louisiana Percentage difference from average annual premium
Poor $5,532 90%
Average $3,200 10%
Good $2,909 0%
Excellent $2,470 -15%

Louisiana car insurance rates by vehicle type

Finally, we analyzed Louisiana car insurance rates by vehicle make and model. Vehicles that cost less to repair and replace generally have lower rates. Other aspects of a vehicle’s make and model can affect premiums as well, including safety features and the statistical likelihood of an accident, which may explain why sports cars generally cost more to insure.

Vehicle Average annual full coverage premium in Louisiana
Toyota Camry $2,909
Ford F-150 $2,577
Honda Odyssey $2,578
BMW 330i $3,455
Toyota Prius $2,800

How to save on car insurance in Louisiana

If you need (or just want) to lower your car insurance premium, you might want to take these steps:

  • Shop around: Car insurance companies offer different rates for the same coverage, so you might find a lower-priced policy with another company.
  • Drive safely: Driving incidents are one of the biggest drivers of premium increases. Safe driving can help you avoid these costly surcharges.
  • Bundle your policies: Buying car and home insurance together from the same company might lower your premium on both policies by a significant amount. 
  • Sign up for telematics: Allowing your insurance company to track your driving with a telematics program could save you significantly on your car insurance. 
  • Keep up your grades: Younger drivers still in school or college could qualify for a good student discount if they have good grades.

Estimate your car insurance cost in Louisiana

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This advertisement is powered by Coverage.com, LLC, a licensed insurance producer (NPN: 19966249) and a corporate affiliate of Bankrate. The offers and links that appear on this advertisement are from companies that compensate Coverage.com in different ways. The compensation received and other factors, such as your location, may impact what offers and links appear, and how, where and in what order they appear. While we seek to provide a wide range of offers, we do not include every product or service that may be available. Our goal is to keep information accurate and timely, but some information may not be current. Your actual offer from an advertiser may be different from the offer on this advertisement. All offers are subject to additional terms and conditions.

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Written by
Cate Deventer
Insurance Writer & Editor
Cate Deventer is a writer, editor and insurance professional with over a decade of experience in the insurance industry as a licensed insurance agent.
Edited by Insurance Editor
Reviewed by Director of corporate communications, Insurance Information Institute