Cheapest Car Insurance in Louisiana
Numbers refreshed
Where Louisiana publishes insurer prices, we rank them, and we show how to lower your own bill.
- $92.The average monthly cost of the legal minimum.
- 15/30/25.The minimum liability limits.
- 2nd of 51.Second in price among the states, and 1st = highest.
Which insurer is cheapest in Louisiana
Louisiana doesn't publish a price comparison of insurers, so nobody can rank every company there using official figures. On average, the cheapest legal policy runs $1,105 a year, or about $92 a month (NAIC).
Get quotes from at least three insurers using the same limits and deductibles. Direct writers, local agents and regional companies often quote very different prices for one driver.
How to pay less
- Keep the state minimum only on an old car you could replace with cash: dropping collision and comprehensive saves $1,046 a year on the Louisiana average.
- Raise your deductible; what you save each year often beats the extra cost of one claim.
- Name each discount when you ask: multi-car, good student, bundling home and auto, paying in full, safe-driving apps.
- Compare prices again at each renewal; one price going up does not mean other companies' prices rose too.
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