Average cost of car insurance in Louisiana for 2023

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.

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:

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.

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.

*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.

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.

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.

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

Frequently asked questions