Car Insurance in Louisiana
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The legal minimum, what Louisiana drivers pay and who is cheapest
- Average each month for full coverage: $179
- Minimum liability limits: 15/30/25
- It ranks 2nd of 51 states for cost.1st = highest.
What does car insurance cost in Louisiana?
With full coverage, the average Louisiana driver pays $2,151 a year, or about $179 a month. With only legal minimum coverage, a policy costs $1,105 a year on average. It costs 33% more each year than the US average of $1,613.
| 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).
The legal minimum for Louisiana
The minimum liability limits in Louisiana are 15/30/25. Each injured person is covered to $15,000, everyone hurt in one crash to $30,000, and damage to property belonging to others to $25,000.
Louisiana follows an at-fault rule: drivers who cause a crash pay through their liability cover.
Insurers must offer uninsured motorist cover in most states, even though you aren't required to buy it.
Source: Louisiana Department of Insurance, Consumer's Guide to Auto Insurance.
How many drivers in Louisiana have no insurance
In 2023, about 12% of Louisiana drivers had no car insurance, the 32nd highest share among the 51. If an uninsured motorist hits you, this cover pays your bills.
Learn more about car insurance in Louisiana
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