Louisiana Car Insurance Quotes & Rates (2026)

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For a 40-year-old driver with a clean record, Louisiana car insurance averages about $300 a month ($3,600 a year) for full coverage, based on the rates insurers had filed with state regulators as of Aug. 31, 2026. That’s 28% above the national average in our data. It’s higher than in Arkansas, Mississippi and Texas. Full-coverage averages statewide run from about $164 to $411 a month across the three major insurers we compared (GEICO, Progressive and Southern Farm Bureau).

Louisiana car insurance: key numbers

• Full coverage: about $300 a month ($3,600 a year)
• Liability only (15/30/25): about $82 a month
• Recent price change: −1.3% for full coverage (same insurers and ZIP codes)
• Most and least expensive counties: Orleans Parish (about $442 a month) and Vernon Parish (about $213)

Where you live matters. The New Orleans area costs the most in our data: Orleans Parish averages about $442 a month for full coverage, followed by St. Bernard Parish ($425) and Jefferson Parish ($370). North and west Louisiana cost much less, and Vernon Parish, home to Leesville and Fort Polk, is the least expensive of the 61 parishes we price, at $213. Use these averages as a benchmark for where you live, then compare quotes for your own car and address.

_{Cost data comes from the auto rates insurers file with state regulators, priced across 222 Louisiana ZIP codes, compiled by Quadrant Information Services and updated as new rates are filed.}

Rates as of Aug. 31, 2026. Page reviewed Oct. 7, 2026.

What’s the Average Cost of Car Insurance in Louisiana per Month?

For full coverage, Louisiana drivers pay about $300 a month ($3,600 a year) on average. Liability-only coverage at the state minimum of 15/30/25 runs about $82 a month ($988 a year). Those figures are for a 40-year-old driver with a clean record and use the rates insurers had filed with state regulators as of Aug. 31, 2026.

Full coverage in Louisiana averages $3,600 a year, or about $300 a month, for our benchmark driver. Liability-only coverage at Louisiana’s 15/30/25 minimum averages $988 a year ($82 a month), and 50/100/50 liability with comprehensive and collision averages $3,146 ($262 a month).

• Full coverage (100/300/100, $500 deductibles): $3,600 a year ($300 a month)
• 50/100/50 with $500 deductibles: $3,146 a year ($262 a month)
• Liability only (15/30/25): $988 a year ($82 a month)
• New Orleans: $5,174 a year ($431 a month) for full coverage
• Baton Rouge: $4,216 a year ($351 a month) for full coverage
• Shreveport: $3,183 a year ($265 a month) for full coverage
• National average: $2,806 a year ($234 a month) for full coverage

How Louisiana Compares With Neighboring States

Louisiana’s average is about $96 a month above Arkansas’, $113 above Mississippi’s and $52 above Texas’. It’s the fifth-highest of the 50 states and Washington, D.C., in our data.

Cheapest Car Insurance in Louisiana: Companies Compared

• Full-coverage range: about $164 to $411 a month across the four insurers in our rate data, for the same driver and car.
• Military families: USAA averages about $249 a month statewide, but only for eligible members.
• Liability only (15/30/25): about $51 to $110 a month across the three insurers anyone can buy from.
• State Farm (Nov. 2025 rates)*: about $389 a month for full coverage, from its November 2025 rates.
• Also on our list: Encompass at about $430 a month, Farmers at $457, Safeway at $459, AAA at $474 and Allstate at $874.
• Most expensive among the three major insurers we compared: Progressive, at about $411 a month for full coverage.

Southern Farm Bureau’s Louisiana average, about $164 a month, is 56% below GEICO’s ($376), a lead wide enough that we show the range instead of naming a single cheapest insurer. The published 2026 statewide Louisiana rate studies we reviewed most often rank Farm Bureau cheapest for full coverage: three of the six put it first. For liability-only coverage at 15/30/25 limits, averages run from about $51 to $110 a month; the lowest is far enough below the rest that we don’t name a cheapest insurer for that coverage level.

These are statewide averages for our benchmark driver. See how we calculated these rates. Your own price depends on your car, driving record and coverage, so compare auto insurance quotes before you buy.

See What You’d Pay in Louisiana

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How Louisiana’s Major Car Insurers Compare

Here’s where each insurer in our rate data lands for our benchmark driver, and how its price has moved over the past nine months.

Are Car Insurance Rates Going Up in Louisiana?

Not for our benchmark driver. Comparing the same insurers in the same Louisiana ZIP codes, full coverage averaged $3,648 a year nine months earlier and $3,600 in rates as of Aug. 31, 2026, a 1.3% drop. Progressive cut its Louisiana average 3.2% and USAA 1.1%, while GEICO’s and Southern Farm Bureau’s averages were unchanged. State Farm’s latest rates are from November 2025, so it’s left out of this comparison. Liability-only coverage at 15/30/25 limits fell 4.1%, led by USAA, which cut its liability-only average 13.6%.

Because insurers change their rates on their own schedules, the cheapest company for you can change from one renewal to the next.

What to Know About Louisiana Car Insurance Costs

Louisiana’s full-coverage average is the fifth-highest of the 50 states and Washington, D.C., in our data. Three things stand out in our numbers and in state law.

• New Orleans. Orleans Parish is the most expensive parish in our data, and New Orleans averages $431 a month, about 44% above the state average. Baton Rouge averages $351, Lafayette $287 and Shreveport $265.
• 2025 law changes. Louisiana’s 2025 reforms raised the “no pay, no play” threshold for uninsured drivers to $100,000 and, under a comparative-fault rule that took effect Jan. 1, 2026, bar drivers 51% or more at fault from recovering damages.
• Renewal transparency. Since Aug. 1, 2025, your Louisiana renewal notice must show your prior premium next to the new one, under Act 11 of 2025, so you can see how much your price changed.

Louisiana Car Insurance Rates by City

Among cities with at least three ZIP codes in our data, New Orleans is the most expensive, at $431 a month for full coverage, followed by Baton Rouge at $351 and Metairie at $347. Houma is the least expensive, at about $250. Across all 150 cities and towns we price, averages run from about $431 in New Orleans to $213 in Fort Polk and Leesville.

The table lists all 150 Louisiana cities and towns in our data, using each place’s own ZIP codes, from most to least expensive. Search it for your town.

Louisiana City Car Insurance Guides

Each city guide has local prices, how the insurers compare there and, for cities where prices vary by ZIP code, a ZIP code table.

Louisiana Car Insurance Rates by Parish

Orleans Parish is the most expensive parish in our data, at about $442 a month for full coverage, followed by St. Bernard Parish ($425) and Jefferson Parish ($370). The least expensive are Vernon Parish ($213) and Lincoln and Sabine parishes (both $221). We price 61 of Louisiana’s 64 parishes.

How Much More Does Better Coverage Cost in Louisiana?

Raising liability limits from 50/100/50 to 100/300/100 adds about $454 a year on average statewide in our data, with the same $500 deductibles. Across the four insurers, the step up costs $211 (USAA) to $956 (Progressive) a year. Statewide, that’s about $38 a month for double the per-person injury limit, three times the per-crash limit and double the property damage limit, and the full-coverage package also raises uninsured and underinsured motorist coverage to 100/300. Liability-only coverage is far cheaper, but it has no comprehensive or collision, so it won’t pay to fix or replace your own car.

Louisiana Car Insurance Rules at a Glance

What Car Insurance Is Required in Louisiana?

Louisiana drivers must carry liability insurance, according to the Department of Insurance. The minimum policy is:

• $15,000 per person and $30,000 per crash in bodily injury liability.
• $25,000 in property damage liability.

Insurers must include uninsured motorist coverage at your liability limits unless you reject it, choose lower limits or choose cheaper economic-only coverage on the state’s form, under R.S. 22:1295. Medical payments coverage is optional, and Louisiana has no personal injury protection requirement.

A digital insurance card on your phone counts as proof. Without proof at a stop, your vehicle can be impounded and your plate removed, with reinstatement fees of $100, $250 and then $500, under R.S. 32:863.1. If your coverage lapses, the Office of Motor Vehicles charges $125 to $525 to reinstate, depending on how long it lapsed, plus a $25 administrative fee for each cancellation.

Since Aug. 1, 2025, an uninsured driver can’t recover the first $100,000 of injury damages or the first $100,000 of property damage, even when the other driver caused the crash, under R.S. 32:866. And under the comparative-fault rule in Act 15 of 2025, which took effect Jan. 1, 2026, a driver who is 51% or more at fault in a crash the rule covers can’t recover damages, while one less at fault recovers less by their share.

How to Lower Your Car Insurance Rate in Louisiana

1. Quote several insurers. Among the three major insurers we compared in Louisiana, the lowest and highest averages are about $247 a month apart for the same driver and car.
2. Get quotes from GEICO, Progressive and Southern Farm Bureau. They’re the three insurers anyone can buy from statewide in our data. Ask each about discounts: the Department of Insurance lists discounts for insuring more than one car, usage-based (telematics) programs, good grades, defensive-driving courses and safety features.
3. Never drive uninsured. Since Aug. 1, 2025, Louisiana’s “no pay, no play” law keeps an uninsured driver from recovering the first $100,000 of injury and the first $100,000 of property damages, even when someone else causes the crash, under R.S. 32:866.
4. Think before rejecting uninsured motorist coverage. Louisiana policies include it at your liability limits unless you reject it or choose lower or economic-only coverage on the state’s form, under R.S. 22:1295. Our full-coverage prices include it at 100/300.
5. Check your renewal notice. Since Aug. 1, 2025, your renewal notice must show last term’s premium next to the new one, under Act 11 of 2025, so it’s easy to see whether to shop around.
6. Military discount. Louisiana-based service members can get 25% off the liability part of their premium, according to the Department of Insurance.
7. Compare at every renewal. Over the past nine months, Progressive has cut its statewide average 3.2% and USAA 1.1%, so the order in our table can shift.
8. Ask about discounts and check your deductible. Many insurers lower rates for a clean driving record, paying in full or insuring more than one car, so ask which auto insurance discounts you qualify for. Our full-coverage prices use $500 deductibles. A higher deductible lowers your premium but means you pay more yourself after a claim; see how deductibles affect your rate.
9. Insure your car and home together. A multi-policy discount is a common way to save, so check average home insurance rates in Louisiana and our home insurance guides for Baton Rouge and New Orleans, and compare home insurance quotes alongside your car quotes. Renting? A renters insurance policy can qualify too.

Compare Louisiana Car Insurance Quotes

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How We Calculated Louisiana Car Insurance Rates

Insurers must file their rates and rating rules with each state’s insurance regulator. Quadrant Information Services uses those filings to calculate what each insurer would charge a specific driver, and InsuranceQuotes analyzes those prices. This page uses rates in effect on Aug. 31, 2026.

• Sample: 888 full-coverage premiums from four insurers across 222 Louisiana ZIP codes, plus the same number of liability-only and 50/100/50 premiums.
• Insurer count: our Louisiana averages come from four insurers, one of them USAA, which sells only to military families. Southern Farm Bureau prices well below the other three in every parish we price, so the averages move a lot depending on which insurers are included. We publish them as calculated, without adjustment.
• Driver: a single 40-year-old driver, licensed 24 years, with good credit and no accidents or violations, driving a 2024 Toyota Camry LE they own, for personal use.
• Coverage: full coverage is 100/300/100 liability with $500 comprehensive and collision deductibles and 100/300 uninsured and underinsured motorist coverage. We also price 50/100/50 with the same deductibles, and liability-only coverage at Louisiana’s 15/30/25 minimum, with 15/30 uninsured and underinsured motorist coverage and no comprehensive or collision.
• Calculation: for each insurer we take its lowest eligible price in each ZIP code and average those prices across the ZIP codes. The overall average is the mean of every insurer-and-ZIP price, including USAA. Monthly figures are annual premiums divided by 12 and rounded.
• Rankings: we name a cheapest insurer only where it’s priced in at least half the ZIP codes and its lead over the next insurer isn’t so wide that it looks like an outlier. USAA sells only to the military community, so it’s shown but not ranked. Annual prices within 3% of each other are called effectively tied.
• Rate changes: we compare the same insurer in the same ZIP codes, for the same driver and coverage, in rates as of Nov. 30, 2025, and Aug. 31, 2026. State Farm’s latest Louisiana rates are from November 2025, so it’s left out of rate-change comparisons; the other four insurers are in both sets of rates. Rate-change percentages are calculated from the annual premiums shown; other percentages use the rounded monthly figures.
• Insurers marked *: priced from published 2026 Louisiana rate studies, scaled to our benchmark driver. They aren’t included in our averages or rankings. The State Farm row shows its November 2025 rates, so it isn’t included in our averages or rankings.
• What this isn’t: a quote. These are modeled prices for one driver profile, calculated from insurers’ rate filings. Your price depends on your ZIP code, vehicle, driving record, coverage choices and discounts.

Coverage requirements come from Louisiana law and the Louisiana Department of Insurance. We refresh these figures when new rate data is released.

More Louisiana Car Insurance Breakdowns

The table in this section comes from an additional InsuranceQuotes rate analysis. It uses its own driver profile and mix of insurers, so its prices differ from the averages above. Use it to compare vehicle types with each other.

Louisiana Car Insurance Rates by Parish and Vehicle Type

In this analysis, an SUV is the least expensive vehicle type to insure and a hybrid the most expensive in all 64 parishes in that analysis. A hybrid costs about 21% more than an SUV on average.

Louisiana Car Insurance FAQ