Full Coverage Car Insurance in Louisiana
Numbers refreshed
Liability, collision and comprehensive together, priced from the Louisiana averages.
- $179.a month on average for full coverage.
- Minimum liability limits of 15/30/25.
- It ranks 2nd of 51 among states for cost (1st = highest).
How much full coverage costs in Louisiana
Full coverage adds collision and comprehensive to liability. In Louisiana, liability alone averages $1,105, and those two parts add $1,046 on top of that each year.
| 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).
Where full coverage stops being worth it
While you still owe money on the car, lenders and lease companies require it.
With the car paid off, weigh its value against what the extra cover costs: $1,046 a year. When premiums for one bad year would buy most of that car, liability only is usually the smarter choice.
Full coverage for each car in Louisiana
These estimates come from IIHS-HLDI loss results and cover an adult with a clean record. Of the 40 models we price, these are the cheapest and the most expensive:
| Car | Per year | Per month |
|---|---|---|
| Honda Pilot | $1,378 | $115 |
| Honda CR-V | $1,397 | $116 |
| Subaru Outback | $1,497 | $125 |
| Toyota RAV4 | $1,629 | $136 |
| Mercedes-Benz C-Class | $2,885 | $240 |
| Chevrolet Camaro | $3,407 | $284 |
| Dodge Charger | $3,844 | $320 |
| Dodge Challenger | $3,996 | $333 |
Source: NAIC 2024 Auto Insurance Database Average Premium Supplement (PDF); IIHS-HLDI, Insurance losses by make and model, 2022-24 models (page table; values via the page's own API).
Learn more about car insurance in Louisiana
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