Cheap Louisiana Car Insurance

Compare the best rates from 7 car insurance companies in Louisiana.

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Here's what you need to know when driving in Louisiana

Across the Pelican State, there are 128,532 miles of road just waiting to be driven. We’ll get you prepped, then you take the wheel.

Cheap Car Insurance

It's expensive to get car insurance in Louisiana!

Dang! Louisiana is definitely not one of the cheapest states for car insurance. Don't worry, we got your back!

At The Zebra we're all about helping you save money on car insurance. Our engine looks for the cheapest insurance provider to find the best fit for you and your vehicle. Since Louisiana might have cheaper premiums that makes our job a breeze! It's easy to get started—we just need some basic information to begin finding the best auto discounts for you.

What's the cheapest car insurance in Louisiana?
Rank Company Name Avg. Annual Premium
1 USAA $1,610
2 MetLife $1,873
3 GEICO $1,926
4 Progressive $1,966
5 Safeway $2,176
6 Southern Farm Bureau $2,226
7 Cal Casualty $2,292
8 State Farm $2,407
9 Safe Auto $2,601
10 Allstate $3,005
11 Encompass $3,202
12 Liberty Mutual $3,682

Cheap Insurance for Good Drivers in Louisiana

Drivers with good driving records typically enjoy lower car insurance costs than drivers with histories of speeding tickets, at-fault accidents, or DUI citations. Louisiana drivers without a recent at-fault accident typically save 31% on their car insurance premiums, which approaches the national average of 32%. In addition to earning a cheaper premium for driving incident-free, you may qualify for a safe-driving bonus through your car insurance company. The amount of these discounts may vary, but they typically run between 5 and 10%.

Rating Factor $ Savings % Savings
No Traffic Tickets $441 17.10%
No Accidents $973 31.24%
Good Credit $1,739 44.83%

Cheap Insurance for Young Drivers in Louisiana

Young drivers — aged between 16 and 25 — pay very high car insurance rates, with those aged 16-19 paying the most expensive premiums of all. Because of the risk presented by inexperienced drivers, teen drivers pay more than three times the national average for car insurance. Louisiana is an extraordinarly expensive state in which to insure a teen driver: the average teen will pay $10,107 per year in Louisiana, compared to just $4,900 annually across the US. Teens are approximately four times more expensive to insure than the average Louisiana driver.

Age Annual Rate with Parents Annual Rate Alone
16 $12,433 $11,617
17 $11,979 $9,723
18 $11,364 $8,350
19 $10,217 $5,181

Cheap Car Insurance for Bad Drivers in Louisiana

If you have a clean driving record — no at-fault accidents, speeding tickets, DUIs, or other recent citations — you'll probably pay less for car insurance. Conversely, a bad driving record will cause your rates to skyrocket: car insurance premiums typically increase by 33% after a DUI, 31% after an at-fault accident, and 17% after a speeding ticket in Louisiana. The post-citation penalties assessed by car insurance companies in Louisiana roughly align with national averages. If you have a clean driving history, be sure to inquire about your insurance company's safe driver discount.

Rating Factor Annual Rate % Increase
At-Fault Accident $3,113 31.24%
DUI $3,242 33.99%
Speeding Violation $2,582 17.10%
Bad Credit $3,880 44.83%

Car Insurance Laws

State minimum insurance requirements in Louisiana

In Louisiana, the state minimum coverage requirement is liability with limits of:
  • Bodily Injury $15,000 per person
  • Bodily Injury $30,000 per accident
  • Property Damage $25,000 per accident
Optional coverage in Louisiana (varies by carrier):
  • Comprehensive
  • Collision
  • Loan/Lease Payoff
  • Personal Injury Protection (PIP)
  • Additional Personal Injury Protection (APIP)
  • Passenger Personal Injury Protection
  • Medical Payments
  • Rental Car Reimbursement
  • Roadside Assistance
  • Uninsured/Underinsured Motorist Bodily Injury
  • Uninsured Motorist Property Damage

Liability coverage is legally required in Louisiana and pays for injury and lost wages that you cause to another driver or their passengers as well as damage to the other driver’s vehicle in the event that you are considered “at fault” in an accident. The coverage limits are determined by each individual state and normally split into three categories. In Louisiana, the minimum is listed as 15/30/25 and explained below:

$15,000 bodily injury coverage per person. This is the maximum dollar amount that pays for a single person that you injure in an auto accident.

$30,000 bodily injury coverage per accident. This is the maximum dollar amount that pays for all injuries that you cause in an accident if more than one person is hurt.

$25,000 property damage per accident. This is the maximum dollar amount that pays for damage that you cause in an accident.

These numbers reflect the minimum limits required in Louisiana but higher coverage amounts are available with most companies.

Cheap Louisiana Car Insurance Companies

The Zebra compares over 200 companies & 1,800 products, so you can save way more than 15% and find the cheapest car insurance in Louisiana.

Car Insurance FAQs

Are digital insurance cards accepted in Louisiana?

Yes

What does this mean for you?

If you happen to find yourself pulled over by a police officer in Louisiana you won't have to rifle through your glovebox wondering if you remembered to replace that expired insurance card last month. Instead, you can provide proof of coverage with your smartphone.

Do I need uninsured motorist coverage in Louisiana?

Uninsured Drivers in Louisiana
Louisiana

14%

Nationwide

12%

Did you know?

Uninsured motorist coverage protects you from damage caused by other drivers without insurance and hit-and-runs.

How much does car insurance cost in Louisiana cities?

Car insurance companies calculate your rate based on many factors, location of the vehicle being an important one. The cheapest car insurance is found in Ruston, Louisiana, and the most expensive in New Orleans, Louisiana.

Rank City Avg. Annual Premium
1 New Orleans $2,885
2 Harvey $2,538
3 Marrero $2,519
4 Terrytown $2,505
5 Metairie $2,210
6 Kenner $2,203
7 Baton Rouge $2,187
8 Central $2,179
9 Shenandoah $2,161
10 Prairieville $2,148
11 Hammond $2,086
12 Alexandria $2,075
13 Laplace $2,011
14 Lafayette $1,956
15 Lake Charles $1,954
16 Monroe $1,950
17 Slidell $1,938
18 Sulphur $1,935
19 New Iberia $1,890
20 Shreveport $1,857
21 Houma $1,828
22 Bayou Cane $1,800
23 Natchitoches $1,799
24 Bossier City $1,762
25 Ruston $1,686

Recent Louisiana Car Insurance Questions and Answers

Car insurance when I own the vehicle someone else drives

Jul 13, 2018

I bought a car for an employee and he’ll be making the monthly payments. Can he still get his own ...

What should I do with my car insurance after I pay off my car loan?

Jul 12, 2018

I just paid off the bank financed loan on my 2010 Volkswagen Jetta and I had a few questions about ...

If I’m on social security can that lower my car insurance

Jun 17, 2018

If I get social security check every month is there help with getting car insurance?...

Can I add full coverage later if I only have liability

Jun 09, 2018

If I just have liability, can i, at a later date, change to full coverage? Or do I have to ...

Driving Laws

Louisiana Texting and Driving Laws

  1. Ban on hand-held cell phones for Learner or Intermediate License (regardless of age)
  2. Ban on all cell phones for school bus drivers, 1st year of License, and drivers <18 years old
  3. Ban on text messaging for all drivers
Alcohol Related Fatalities

226

Per Year in Louisiana
Annual DUI Arrests
Louisiana
7,977
US Average
23,438
DUI Legal Limit

0.08%

Blood Alcohol Content
Average DUI Cost

10k

Nationally, For First Offenders
What does this mean for you?

Driving with a blood alcohol content higher than the number above will put you at risk of being arrested for driving under the influence. If arrested you’ll face harsh consequences and may face varying degrees of jail time, fines, driver’s license suspensions, and reinstatement requirements.

If convicted of a DUI, you can expect the financial obligations to extend beyond the DUI ticket to court costs, attorney fees, higher insurance rates, and potentially the installation of a Ignition Interlock Device to serve as a breathalyzer test each time you start your vehicle.
Additional Resources:

Louisiana Car Insurance

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Louisiana Tour Guide Scholarship

At The Zebra, we know better than most just what a pain buying car insurance can be. We also know that students suffer from higher-than-average policy rates. Talk about a double-whammy. That’s why, this year, we’ve decided to continue The Zebra’s annual scholarship with the goal of helping to alleviate the financial pressures of college-bound students in the Louisiana area, while also getting an insider view of the Pelican State.

Click here to learn more.

Prompt

So, Louisiana students, we want to see your favorite road trip destination(s) in your state— from your unique perspective. If it makes sense to hit the open road and be our virtual tour guide, that’s great! But there are no limits to what we’re looking for: a narrated animation, a slideshow of memorabilia, an illustrated map of the best roadside attractions on the way. This is a chance for you to showcase any place you love in as an original way as possible.

Please Note:

  • The length of the road trip to your feature destination is inconsequential. So if you have an awesome spot in mind that’s just two miles from home, we want to see it.
Qualifications:

Applicants must be currently enrolled at or planning to attend a four-year university, graduate program, community college, or trade school located in the continental United States. Upon notification, winner(s) must supply a current proof of enrollment or letter of acceptance.

How to Apply:
  • Entrants should create an original video not exceeding 2 minutes. Each video submission must be hosted on YouTube or Vimeo, and should be submitted by email to scholarships@thezebra.com.
  • With your submission, please include your name, address, and phone number.
Details
  • Selected winner(s) will be awarded a check for $1,000.
  • Applications must be received no later than 11:59 p.m. CST on December 31st, 2018.
  • Winner(s) will be selected and notified by e-mail by January 31st, 2019.
  • Submissions will be judged by The Zebra and the winner will be selected based on creativity in the content and presentation.
  • Upon notification, winner(s) must also supply a current proof of enrollment at a four-year university, graduate program, community college, or trade school located in the continental United States.

Fine Print

  • By participating, entrants represent that the video submitted is their sole and original work and does not infringe the intellectual property rights of any other party. In other words, no copyrighted music or images may be used.
  • Employees of The Zebra and their immediate family members are not eligible to participate in the contest.
  • Written credits for any technical or talent positions (e.g., editor, director, actors) should be included with your submission, along with any sources used to create the video.