What's the Average Cost of Car Insurance in Louisiana?

The Zebra
Oct. 11, 2018

Auto insurance is expensive in Louisiana. The average auto insurance cost in Louisiana is $2,225 per year — 55.9% more than the US average.

Your car insurance premiums are impacted by factors aside from geography. Auto insurance premiums take into account an array of details, including your age, gender, marital status, credit rating, and driving history.

We analyzed average Louisiana car insurance rates by all of the main pricing qualifications. Read on to see how much auto insurance runs in your state — or submit your zip to see personalized prices from top insurance companies.


Average Auto Insurance Prices in Louisiana by Age

It's a common phenomenon: as you get older, your auto insurance rates shift. As a general rule, car insurance is more costly for young drivers, as underwriters see inexperienced drivers as less responsible.

In Louisiana, car insurance runs $11,617 annually for a 16-year-old driver, but just $1,896 annually for a driver aged between 50 and 59.


LOUISIANA CAR INSURANCE RATES BY AGE BRACKET
AgeAverage Annual Premium
16$11,616.84
17$9,722.80
18$8,349.65
19$5,181.35
20s$2,944.39
30s$2,115.88
40s$2,062.49
50s$1,896.49
60s$2,089.78
70s$2,156.51



Average Car Insurance Expenditures in Louisiana by Gender

While gender doesn’t have as significant an effect on car insurance costs as state or experience level, it is used as a rating factor. Men pay less than do women for car insurance in Louisiana, but the difference is just $36.61 per year.

LOUISIANA CAR INSURANCE PRICES BY GENDER
GenderAverage Annual Rate
Male$2,140.44
Female$2,177.05



Average Car Insurance Premiums in Louisiana by Marriage Status

One pro of nuptials — in addition to the wedding gifts — is the improved deal you often get on auto insurance. In Louisiana, wedded drivers save $99 each year on car insurance. This is a better deal than the national savings of $76.


LOUISIANA AUTO INSURANCE PRICES BY MARITAL STATUS
Marital StatusAverage Annual Rate
Single$2,140.44
Married$2,041.03
Divorced$2,140.44
Widowed$2,121.33



Average Car Insurance Costs in Louisiana by Credit Score

Auto insurance underwriters use credit history as a way of determining how reliable a prospective customer will be. Historical data show drivers with solid credit histories are more reliable auto insurance customers: they are less likely to file claims insurance companies are compelled to repay.

In Louisiana, a motorist who maintains excellent credit saves $2,030.09 per year on car insurance, contrasted with a driver with a low credit score. Read more about how credit history can affect auto insurance costs:


LOUISIANA AUTO INSURANCE PRICES BY CREDIT TIER
Credit QualityAverage Annual Rate
Very Poor (300-579)$3,879.85
Fair (580-669)$3,200.71
Good (670-739)$2,697.83
Very Good (740-799)$2,262.02
Exceptional (800-850)$1,849.77



Typical Car Insurance Costs with a Bad Driving History in Louisiana

If you are found at fault after a car accident or found guilty of a driving violation, your car insurance costs are going to grow. The more violations you rack up, the more expensive your auto insurance becomes.

In Louisiana, your first minor at-fault incident costs $887.77 per year in car insurance premiums. A DUI or DWI — considered one of the most severe driving infractions — can grow your annual insurance expenditure in Louisiana by an average of $1,017.16.


LOUISIANA CAR INSURANCE RATES WITH INFRACTIONS
AgeAverage Yearly Rate
DUI/DWI$3,242.39
Reckless Driving$3,161.28
At-Fault Accident (<$1,000)$3,113.00
At-Fault Accident ($1,000-$2,000)$3,237.02
At-Fault Accident (>$2,000)$3,113.00
Open Container$3,026.44
Speeding (21-25 MPH > limit)$2,684.88
Speeding (16-20 MPH > limit)$2,684.88

If your premiums are above-average, consider policy shopping to get inexpensive insurance coverage that suits your needs.


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