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State Farm, USAA, and National General rank among the most affordable car insurance providers in Louisiana.
Full-coverage car insurance in Louisiana averages $212 each month. That compares to a national average of $186. Your actual rate depends on multiple factors, including age, driving history, and where you live. Getting quotes from several insurers is the most effective way to find your best rate.
This guide breaks down Louisiana's most affordable car insurance by coverage type, driver profile, and insurance company.
Affordable full-coverage car insurance in Louisiana
Full-coverage insurance in Louisiana averages $212 monthly. The national average sits at $186. State Farm, USAA, and National General are some of the cheapest car insurance providers in the state.
| Average monthly full coverage cost | |
| Louisiana average | $212 |
| National average | $186 |
| State Farm | $110 |
| USAA | $138 |
| National General | $167 |
| Allstate | $179 |
Affordable liability-only car insurance in Louisiana
For drivers seeking the most affordable liability car insurance providers in Louisiana, National General, State Farm, and USAA deliver competitive rates.
Liability-only coverage in Louisiana costs an average of $121 monthly. Nationally, the average is $104.
| Average monthly liability-only cost | |
| Louisiana average | $121 |
| National average | $104 |
| National General | $92 |
| State Farm | $74 |
| USAA | $93 |
| Direct Auto | $128 |
Cheap car insurance in Louisiana by age
Age significantly impacts insurance costs. Car insurance for teens comes with the highest premiums due to limited driving experience, averaging $419 monthly for full coverage in Louisiana.
Rates decline as drivers enter their 20s, averaging $279 per month for full coverage. Costs continue dropping for drivers in their 30s and 40s to around $219 and $213 monthly.
Premiums can climb again for drivers reaching their 60s and beyond, but that largely depends on their driving record. Louisiana seniors pay approximately $193 monthly for full coverage in their 60s and $183 in their 70s.
These variations in rates reflect insurance companies' assessment of risk levels associated with each age group. Younger drivers face higher rates due to inexperience, while older drivers sometimes encounter increased rates based on factors like health and changing driving behaviors.
| Age group | Average monthly full coverage cost | Average monthly liability-only cost |
| Teens | $419 | $239 |
| 20s | $279 | $159 |
| 30s | $219 | $125 |
| 40s | $213 | $122 |
| 50s | $196 | $112 |
| 60s | $193 | $110 |
| 70s | $183 | $104 |
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Cheap car insurance in Louisiana for high-risk drivers
Moving violations or accidents on your record can impact your insurance rates. If you have a bad driving record, you'll typically be charged higher car insurance premiums. The following table shows average Louisiana costs for drivers with an accident, speeding ticket, or DUI.
| Violation | Average monthly full coverage cost | Average monthly liability-only cost |
| Accident | $284 | $162 |
| Speeding ticket | $248 | $141 |
| DUI | $341 | $194 |
Compare low-cost car insurance after an accident
Drivers with accidents on their records can find affordable Louisiana car insurance through State Farm, USAA, and National General. Full-coverage premiums for drivers with an accident average $284 monthly.
| Company | Average monthly full coverage cost | Average monthly liability-only cost |
| State Farm | $143 | $96 |
| USAA | $181 | $122 |
| National General | $220 | $121 |
Average rate:
Compare low-cost car insurance after a speeding ticket
State Farm, USAA, and National General provide competitive rates for Louisiana drivers with speeding tickets. Full coverage averages $248 monthly for those with a speeding ticket on their record.
| Company | Average monthly full coverage cost | Average monthly liability-only cost |
| State Farm | $132 | $89 |
| USAA | $167 | $113 |
| National General | $202 | $111 |
Compare low-cost car insurance after DUI conviction
Louisiana drivers with a DUI can secure affordable full coverage through State Farm, USAA, and National General. Full-coverage rates for drivers with a DUI on their record average $341.
| Company | Average monthly full coverage cost | Average monthly liability-only cost |
| State Farm | $171 | $115 |
| USAA | $214 | $145 |
| National General | $260 | $143 |
Cheap car insurance in Louisiana by credit score
Louisiana drivers with excellent credit pay approximately $193 monthly for full coverage. Drivers with poor credit face higher premiums, starting at $233 per month.
Rate differences stem from how credit scores influence insurance pricing. Poor credit typically leads to higher premiums based on the perceived risk of non-payment.
| Credit score | Average monthly cost of full coverage | Average monthly cost of liability-only |
| Excellent | $193 | $110 |
| Good | $201 | $115 |
| Average | $216 | $123 |
| Poor | $233 | $133 |
FAQs
Why is car insurance so expensive in Louisiana compared to other states?
Louisiana consistently ranks as one of the most expensive states for car insurance in the nation.
The Bayou State faces unique challenges including major hurricanes that strike every few years, a high uninsured driver rate, and a disproportionately large number of personal injury lawsuits related to car accidents. Additionally, the state's frequent severe weather events and flooding from tropical storms contribute to more comprehensive coverage claims that drive up costs for all Louisiana drivers.
What is Louisiana's "No Pay, No Play" law and how does it affect uninsured drivers?
Louisiana enforces a strict "No Pay, No Play" law that significantly penalizes uninsured drivers even when they're victims of accidents caused by others.
If you're caught driving without at least the state-required minimum liability insurance, you can't recover the first $100,000 in bodily injury and property damage costs, regardless of who caused the accident. This means uninsured accident victims must personally cover these expenses out-of-pocket, making it financially risky to drive without proper coverage in Louisiana despite the state's already high premium costs.
What happens if I let my car insurance lapse in Louisiana?
Louisiana enforces severe penalties for allowing insurance coverage to lapse, as the state requires continuous proof of insurance for all registered vehicles. If your policy lapses, you could face fines ranging from $125 to $525 based on the duration of the lapse in coverage.
If you're involved in an accident during a lapse period, your vehicle could be impounded and your registration revoked for up to 180 days in addition to facing the "No Pay, No Play" restrictions that limit your ability to recover damages.
Bottom line
These companies may offer Louisiana's lowest rates, but that doesn't guarantee they're the cheapest option for your specific car insurance needs. Getting quotes from a few of the best car insurance companies and comparing them based on price and service remains the best approach to finding the right company for you.
Data throughout provided by Insurify.
Average rate:
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