Cheap Louisiana Auto Insurance for 2021

Louisiana auto insurance laws require 15/30/25 Louisiana auto insurance minimums for bodily injury and property damage while average Louisiana auto insurance rates are $148.67/mo. Compare Louisiana auto insurance quotes from multiple Louisiana auto insurance companies using our free tool below to get the best deal.

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Rachel Bodine graduated from college with a BA in English. She has since worked as a Feature Writer in the insurance industry and gained a deep knowledge of state and countrywide insurance laws and rates. Her research and writing focus on helping readers understand their insurance coverage and how to find savings. Her expert advice on insurance has been featured on sites like PhotoEnforced, All...

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Leslie Kasperowicz holds a BA in Social Sciences from the University of Winnipeg. She spent several years as a Farmers Insurance CSR, gaining a solid understanding of insurance products including home, life, auto, and commercial and working directly with insurance customers to understand their needs. She has since used that knowledge in her more than ten years as a writer, largely in the insurance...

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Reviewed by Leslie Kasperowicz
Farmers CSR for 4 Years

UPDATED: Apr 7, 2021

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Lousiana is best known for New Orleans and its famed Mardi Gras celebrations and more. But there’s a lot more to the Bayou State, and wherever you’re going in Lousiana, you need auto insurance.

Lousiana auto insurance law requires all drivers to carry a minimum amount of coverage to provide financial protection in the event of a car accident. Understanding auto insurance requirements can be confusing, but we have all of the information you need here.

Find affordable Louisiana auto insurance quickly. Just enter your ZIP code above for fast, free Louisana auto insurance quotes.

Louisiana Auto Insurance Laws And Minimum Requirements

In Louisiana, the state liability coverage minimums are:

  • Bodily Injury Coverage – $15,000 per person
  • Bodily Injury Coverage – $30,000 per accident
  • Property Damage Coverage – $25,000 per accident

Take a look at how Louisiana’s minimum rates compare with surrounding states.

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Optional coverage options in Louisiana include:

  • Comprehensive Coverage
  • Collision Coverage
  • Personal Injury Protection (PIP)
  • Medical Payments Coverage
  • Rental Reimbursement Coverage
  • Roadside Assistance / Towing Coverage
  • Uninsured/Underinsured Motorist Coverage (UIM)

When legislators in Louisiana put together the state’s auto insurance laws, they chose to stick with the standard tort system of auto insurance in use in most other states around the country. Under this system, when an accident occurs one of the drivers will be deemed to be the driver at fault for causing the accident. This driver’s insurance company will then be responsible for paying out claims for injuries and damages, and this driver will be the one who is targeted with any lawsuits that result from the accident itself.

State law requires that all drivers purchase auto insurance to be allowed to legally drive their automobiles on the state’s roads. There are two main coverages that drivers are required to purchase; all of the other covearge offered by auto insurance companies are optional.

The first coverage required is known as bodily injury liability insurance. This policy pays out claims for medical treatment expenses, rehabilitation costs, lost wages, and the like for injuries stemming from an accident where you are the party at fault.

For instance, if you rear-ended a car stopped at a traffic light, causing the driver ahead to get whiplash, their injury claims would be made against this policy and your insurance company would pay up to the maximum of your coverage. The minimum required coverage in Louisiana is $15,000 per person, per accident, and $30,000 for all parties per accident. These amounts are somewhat low, so it’s recommended that drivers in Louisiana consider bumping this up with supplemental coverage if it can be afforded.

The second coverage legally required in Louisiana is property damage liability insurance. This is the insurance that pays out claims to those who suffer vehicle, property, and other damage as the result of an accident where you are the party at fault for causing it.

For instance, if you veer into the other lane and hit a car, the costs of making repairs to the car you’ve hit will be claimed against your property damage liability insurance. The minimum required coverage in Louisiana is $25,000.

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Louisiana Auto Insurance Rates

Insurance rates for drivers in Louisiana have always been a bit higher than those in most other states, and this trend has continued into 2011. The current statewide average cost for a year’s worth of auto insurance is $1784, which is higher than the national average of $1430.

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Those who live in major cities in Louisiana, however, tend to have it much worse. For those residing in Baton Rouge, you’re looking at about $2150 to insure the average automobile for a year, and drivers in New Orleans can expect an average bill of $2262, which is close to $200 per month.

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There are a lot of factors that auto insurance companies take into consideration when determining your rates. Take a look at our overview here.

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While many of these factors are simply based on your own driving record, two things that affect even the safest of drivers are age and gender. As with most states, males typically pay higher auto insurance rates than females. Teenage males can easily expect to pay $100 more for their coverage than females.

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With premiums this high, it’s important to really shop around throughout the various insurance companies available, and grill them to find out any discounts that you might qualify for.

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But which companies are the largest, holding the most market share percentage in the region?

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Louisiana Driving Statistics

The news is positive for Louisiana’s drivers when it comes to crash rates, as they have continued to trend downward since peaking earlier in the decade. In 2009, there were 155,100 total vehicle crashes reported, with 824 fatalities resulting from these accidents.

Both of these figures were decreases from 2008, which saw 157,200 crashes and 915 fatalities. These decreases come as the state saw an increase of nearly 1% in the total number of vehicle miles traveled, which means that although Louisiana’s drivers are taking to the roads more often, they are becoming better, safer drivers. If this trend should continue, it will help decrease the statewide average cost of auto insurance.

Auto theft figures throughout the state continue to decline as well. In 2009 there were 11,717 reported instances of vehicle theft, which was a decrease of almost 2,000 vehicles from the 2008 numbers. Since the decade began, auto theft rates in Louisiana are down over forty percent, wiping out the minor increases that were seen in the New Orleans area following Hurricane Katrina.

As Louisiana’s car owners continue to protect their vehicles with anti-theft devices, and law enforcement initiatives become more and more efficient at getting criminals off of the streets, these numbers will drop even further.

We’ve built a tool for those who live in Louisiana to help sort through the available auto insurance companies and policies on the market today.

Auto Insurance Agents In Louisiana

If you’re looking for a local agent, take a look at the list below.

Louisiana Auto Insurance Agents

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Additional Automobile Insurance Resources In The State Of Louisiana

For more information, check out these official sources for Louisiana insurance and driving laws.

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State Minimum Auto Insurance Rates Nationwide
Average Monthly Auto Insurance Rates by State
Monthly Louisiana Auto Insurance Rates by ZIP Code
Factors Affecting Auto Insurance Rates in Louisiana
Average Monthly Auto Insurance Rates by Age & Gender in Louisiana
Louisiana Auto Insurance Rates by Company vs. State Average
Louisiana Auto Insurers by Market Share %
State Minimum Auto Insurance Rates Nationwide
Average Monthly Auto Insurance Rates by State
Monthly Louisiana Auto Insurance Rates by ZIP Code
Factors Affecting Auto Insurance Rates in Louisiana
Average Monthly Auto Insurance Rates by Age & Gender in Louisiana
Louisiana Auto Insurance Rates by Company vs. State Average
Louisiana Auto Insurers by Market Share %