Temporary Car Insurance in Louisiana

If you’re seeking flexibility, you could be interested in a short-term car insurance policy. In truth, temporary car insurance is rare for a few reasons.

For one, major insurance companies won't draw up policy terms for less than six months. Since car coverage is a legal requirement in most states, changing policies by the month can be a risky proposition. Additionally, you risk having gaps in your car insurance history by changing policies frequently, which can lead to higher rates in the long run.

Thankfully, car insurance agreements typically last for only a half-year. This allows car insurance companies to re-rate — or re-price — your premiums based on your present driving profile and demographic profile.

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The end of a policy period also gives you a perfect opportunity for you to evaluate your insurance situation by looking into other car insurers. Finding quotes via The Zebra is free, and there’s no penalty for trading insurers when your policy ends — or even in the middle of your policy term, as long as your coverage doesn't lapse.

The flexible nature of car insurance means it's relatively simple to buy with little notice. If you're in need of an insurance policy before you can drive your new vehicle off of the lot, attempting to get coverage for a long-term rental, or searching for insurance on a car you don't own but drive more than occasionally, think about purchasing a half-year policy and ending the agreement as needed.

Temporary car insurance in Louisiana

See below normal auto insurance costs in Louisiana, organized by major companies and major cities. If you're paying more than what you see below, think about shopping around.

Insurance CompanyAverage 6-Month RateAverage Monthly Rate
Louisiana State Average — All Companies$1,113$185
Louisiana Farm Bureau Insurance$921$153
State Farm$1,114$186

The cheapest option for temporary auto insurance in Louisiana is Louisiana Farm Bureau Insurance, with whom you can save $8 per month, compared to the next-cheapest choice, GEICO. In Louisiana, the average monthly cost of auto insurance is $185, or $1,113 over a biannual term.

Where you drive has as large an influence on your car insurance rates as as your choice of insurance company. Car insurance companies take into account the frequency of claims in a given area when pricing policies by ZIP code. Check out insurance prices in Louisiana's most populous cities and compare how much you pay.

Insurance CompanyAverage 6-Month RateAverage Monthly Rate
New Orleans$1,443$240
Baton Rouge$1,094$182

If your premiums don’t align with those listed above, consider taking a moment to compare quotes. The short-term duration of an auto insurance contract enhances the importance of remaining informed and ready to shop.

Find out more about temporary auto insurance or use The Zebra to compare policies today.

Additional resources

Check out the best auto insurance options for teen drivers.

Get affordable car insurance for new drivers.

Find out more about pleasure use car insurance.

Can you find affordable car insurance with no credit history?

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Ross Martin LinkedIn

As a licensed insurance agent, Ross is responsible for researching and writing about all matters related to auto and home insurance. He has a background in writing and education, as well as a masters degree from Royal Holloway, University of London. He has been quoted by Kin Insurance, Safety.com, and autoinsuranceEZ.com.