Average Car Insurance Cost in Louisiana
Numbers refreshed
NAIC averages for Louisiana, broken down by coverage, along with the national rank.
- $2,151.the average yearly cost of full coverage.
- 15/30/25.the lowest liability limits.
- 2nd of 51.the most expensive state (1st = highest).
Cost averages in Louisiana by coverage
In Louisiana, full coverage runs $2,151 a year on average. The US average comes to $1,613 a year, so Louisiana runs 33% higher.
The average spent per insured car in 2024 was $1,880, up from $1,729 in 2023, an 8.8% climb.
| Coverage in Louisiana | Per year | Per month |
|---|---|---|
| Liability | $1,105 | $92 |
| Collision | $635 | $53 |
| Comprehensive | $412 | $34 |
| Full coverage (all three) | $2,151 | $179 |
Source: NAIC 2024 Auto Insurance Database Average Premium Supplement (PDF).
Similar states next to Louisiana
| State | Rank | Full coverage a year | A month |
|---|---|---|---|
| Florida | 1st | $2,175 | $181 |
| Louisiana | 2nd | $2,151 | $179 |
| New York | 3rd | $2,150 | $179 |
| District of Columbia | 4th | $1,986 | $166 |
| Georgia | 5th | $1,973 | $164 |
| Texas | 6th | $1,917 | $160 |
| New Jersey | 7th | $1,878 | $157 |
Source: NAIC 2024 Auto Insurance Database Average Premium Supplement (PDF).
The number that applies to you
Every age and record goes into the averages. The Louisiana calculator adjusts the calculation for your age and record.
Additional details about car insurance in Louisiana
First written