Compare & Save Auto Insurance in Louisiana — From $65/mo
Find auto insurance options in Louisiana. Louisiana auto insurance rates are high — compare to find your best deal
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Why compare Auto Insurance in Louisiana?
Prices can vary widely across providers in Louisiana. Whether you’re in New Orleans or Baton Rouge, comparing quotes helps you find better coverage for less.
What you get
- Louisiana auto insurance rates are high — compare to find your best deal
- High-Risk State Options
- Bundle & Save options where available
Rates in Louisiana
Typical annual rates start from $780 (based on plans from $65/mo)
Louisiana consistently ranks among the most expensive states for auto insurance due to high litigation costs, frequent weather-related claims, and a large uninsured driver population (estimated 13%). The state uses an at-fault system with 15/30/25 minimums. New Orleans and Baton Rouge premiums are especially high.
Auto Insurance Requirements in Louisiana
- Minimum requirement
- 15/30/25
- No-fault state
- No
- SR-22 required
- Yes
- Average annual cost
- $2,280
Estimated rates by driver profile in Louisiana
Rates vary based on your driving history and profile. Here's what drivers in Louisiana typically pay:
| Driver Profile | Est. Monthly | Coverage Level | SR-22 Available |
|---|---|---|---|
| Clean record, age 30+ | $65–$90 | Full Coverage | ✓ |
| 1 accident in last 3 years | $98–$135 | Liability+ | ✓ |
| New driver, under 25 | $145–$200 | Basic Liability | ✓ |
| DUI on record | $170–$240 | SR-22 Required | ✓ |
| Senior driver, 65+ | $72–$100 | Full Coverage | — |
Louisiana auto insurance rates are high — compare to find your best deal
Get Compare & Save plans starting at $65/mo — includes High-Risk State Options.
Compare Quotes NowCustomer Satisfaction & Complaint Score breakdown
Real-world claim and customer experience indicators from widely recognized insurers.
Frequently Asked Questions
Why is Louisiana auto insurance so expensive?
Louisiana's litigious legal environment, high uninsured driver rate (~13%), frequent weather events, and elevated accident rates combine to make it one of the most expensive states for auto insurance.
Minimum insurance in Louisiana?
Louisiana requires 15/30/25 liability — relatively low minimums given the state's high claim costs.
Is Louisiana no-fault?
No. Louisiana uses an at-fault system with a pure comparative fault rule.
Same-day coverage?
Yes. Immediate digital proof from most carriers.
Uninsured motorist required?
Louisiana requires carriers to offer UM/UIM coverage. Drivers can reject it, but it's strongly recommended given the state's high uninsured rate.
How to lower LA rates?
Comparing carriers is critical in Louisiana — rate spreads are among the widest in the country. Bundling, defensive driving, and higher deductibles also help.