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

The Zebra
Feb. 7, 2019

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

But car insurance prices are dictated by factors other than state lines. Car insurance rates price based on myriad components, including your credit score, driving record, age, gender, and marital status.

We analyzed average Louisiana car insurance rates by all of the most common rating factors. See below how much car insurance costs in your location — or enter your zip code to view personalized quotes from top car insurance companies.


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Common Louisiana auto insurance rates by:


  1. Age
  2. Gender
  3. Marital status
  4. Credit score
  5. Driving violations
  6. Coverage level

Average Car Insurance Prices in Louisiana by Age Bracket

It's unavoidable: as you age, your auto insurance premiums shift. As a general rule, auto insurance is more costly for young drivers, as auto insurance companies see newer motorists as more risky.

In Louisiana, car insurance costs $11,617 each year for a 16-year-old driver, but just $1,896 yearly for a driver aged from 50 to 60.


LOUISIANA AUTO INSURANCE COSTS 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

If you're shopping for car insurance for a teen driver, Louisiana is the 2nd-most-expensive state in which to buy auto insurance for a 16-year-old.




Average Car Insurance Expenditures in Louisiana by Gender

While gender doesn’t have as significant an impact on car insurance costs as state or age, it is utilized as a pricing factor by car insurance companies.


LOUISIANA AUTO INSURANCE PREMIUMS BY GENDER
GenderAverage Annual Cost
Male$2,140.44
Female$2,177.05

If you think about getting the best value for your money with your current car insurer, the best option is to compare insurance companies.




Mean Auto Insurance Premiums in Louisiana by Marital Status

One benefit of getting hitched — aside from the honeymoon — is the lower prices you often get on auto insurance. In the state of Louisiana, married drivers save $99 each year on car insurance. This is a better deal than the national post-wedding price cut of $76.


LOUISIANA CAR INSURANCE COSTS BY MARITAL STATUS
Marital StatusAverage Annual Premium
Single$2,140.44
Married$2,041.03
Divorced$2,140.44
Widowed$2,121.33

Auto insurance coverage for divorced drivers in Louisiana is the 2nd most expensive in the nation. If you are being overcharged for your auto insurance policy, consider doing some comparison shopping. You never know when you'll find a great deal!




Average Car Insurance Costs in Louisiana by Credit Score

Auto insurers rely on credit score to predict the reliability of a prospective customer. Data show drivers who carry exceptional credit histories are usually more dependable auto insurance customers: they're less likely to file claims that insurance companies must repay.

In Louisiana, a driver with unblemished credit saves $2,030.09 per year on car insurance, versus a driver who has a poor credit rating. Learn more about how credit history may impact auto insurance rates:


LOUISIANA AUTO INSURANCE COSTS BY CREDIT LEVEL
Credit ScoreAverage 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

Finding inexpensive car insurance if you're saddled with a poor credit score can be tricky. But we're here to help out. Read our guide to getting car insurance with bad credit and start saving!




Median Car Insurance Costs for Bad Drivers in Louisiana

If you’re found at fault after an accident or found guilty of a driving offense, your auto insurance rates are bound to rise. The more red flags you accumulate, the pricier your car insurance policy becomes.

In Louisiana, your first minor at-fault accident leads to a penalty of $887.77 each year in car insurance premiums. A DWI — considered one of the most severe driving offenses — can grow your annual insurance expenditure in Louisiana by an average of $1,017.16.


LOUISIANA CAR INSURANCE PREMIUMS WITH DRIVING OFFENSES
AgeAverage Yearly Premium
DWI/DUI$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 you're saddled with high car insurance costs, think about shopping policies to get cheap insurance coverage that works.




Average Car Insurance Costs by Coverage Tier in Louisiana

How much you pay per month for auto insurance depends on how much coverage you purchase. Liability-only coverage generally costs less, while lower-deductible comprehensive coverage usually costs more. In Louisiana, the cost differential between state-minimum liability-only coverage and comprehensive coverage with a $500 deductible is $889.


LOUISIANA CAR INSURANCE RATES BY COVERAGE TYPE
Coverage TierAverage Annual Premium
$100K/$300K/$100K Bodily Injury/Property Damage — Liability Only$1,711
$100K/$300K/$100K Bodily Injury/Property Damage — $1,000 Comprehensive/Collision$2,431
$100K/$300K/$100K Bodily Injury/Property Damage — $500 Comprehensive/Collision$2,601
$50K/$100K/$50K Bodily Injury/Property Damage — Liability Only$1,336
$50K/$100K/$50K Bodily Injury/Property Damage — $1,000 Comprehensive/Collision$2,056
$50K/$100K/$50K Bodily Injury/Property Damage — $500 Comprehensive/Collision$2,226
State Minimum — Liability Only$971
State Minimum — $1,000 Comprehensive/Collision$1,691
State Minimum — $500 Comprehensive/Collision$1,860

If you're facing above-average car insurance payments, consider comparing options to find affordable insurance coverage that works.