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Car Insurance in Louisiana: Rates, Minimums & How to Save (2026)
By ReliablePolicy Editorial Team
Louisiana is one of the most expensive states for car insurance, with full coverage averaging about $4,131 a year — roughly 53% above the national average. Louisiana is an at-fault state with a 15/30/25 liability minimum. Here's the coverage you must carry, what Louisianans pay, and how to find a cheaper rate.
Avg. full coverage
$4,131/yr
≈53% above U.S. avg.
Avg. minimum coverage
$1,087/yr
≈29% above U.S. avg.
State minimum
15/30/25
Low BI floor
Fault system
At-fault (tort)
At-fault driver pays
vs. U.S. average
+53%
Among priciest states
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Minimum coverage required in Louisiana
| Coverage | Required limit | Notes |
|---|---|---|
| Bodily injury liability | $15k / $30k | Per person / per accident — low floor |
| Property damage liability | $25k | Required |
| Uninsured motorist | Optional | Offered; can be declined in writing |
| Personal injury protection | Not required | Louisiana is an at-fault state |
State-mandated minimum coverages. Source: Bankrate, “Minimum Car Insurance Coverage Requirements by State.” Verify current limits with your state insurance department.
Average Louisiana premiums by coverage level
| Coverage level | Avg. annual premium | vs. U.S. avg. | Notes |
|---|---|---|---|
| Full coverage | $4,131/yr | 53% above U.S. | 2nd-highest in the nation |
| Minimum coverage | $1,087/yr | 29% above U.S. | 15/30/25 liability only |
Source: Bankrate, “Car Insurance Rates by State” (2026). National averages: $2,697 full coverage / $841 minimum coverage. Independent market estimates, not quotes.
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Louisiana estimated rates by driver profile (2026)
Estimates anchor each profile to Louisiana's average full-coverage premium and apply national rate-increase multipliers from public data — not quotes from any carrier.
| Driver profile | Est. annual premium | vs. clean record | Basis |
|---|---|---|---|
| Clean record, 30–45 | ~$4,131/yr | Baseline | State full-coverage average |
| One at-fault accident | ~$5,907/yr | +43% | 4,131 × 1.43 (Bankrate avg) |
| Speeding ticket | ~$5,122/yr | +24% | 4,131 × 1.24 (Bankrate avg) |
| DUI on record | ~$7,766/yr | +88% | 4,131 × 1.88 (Bankrate avg) |
| Young driver (18–24) | ~$8,262/yr | ≈2× | Roughly double (Bankrate avg) |
| Poor credit score | ~$7,023/yr | +70% | 4,131 × 1.70 (Bankrate avg) |
Multipliers (national averages, full coverage): at-fault accident +43%, speeding +24%, DUI +88%, age 18–24 ≈ 2×, poor credit +70% (Bankrate). Actual premiums are set by carriers on your individual profile.
Louisiana: what helps and what hurts your rate
In your favor
- ✓Large market with national and regional carriers competing
- ✓Telematics and safe-driver discounts can offset some of the high baseline
- ✓Bundling auto with home/flood can produce meaningful savings
- ✓No mandatory PIP/UM keeps the bare minimum technically cheaper
Works against you
- ✗Second-most-expensive state — about 53% above the national average
- ✗High litigation costs feed directly into premiums
- ✗Hurricane and flood exposure raises comprehensive claims
- ✗Low 15/30/25 minimum leaves serious at-fault gaps
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A closer look at car insurance in Louisiana
Louisiana's premiums are driven less by individual risk than by systemic costs — litigation and catastrophe exposure that affect every driver. The 15/30/25 minimum is among the lowest bodily-injury floors in the country, so a single serious crash can exceed it quickly, making higher limits worthwhile. Because the price spread between carriers in Louisiana is among the widest anywhere, comparison shopping is the single most effective way to bring a premium down.
Bottom line
Louisiana is one of the costliest states for car insurance, with a low legal minimum that leaves real gaps. Most drivers should buy higher limits and full coverage — and given the wide price spread, comparing several carriers is essential.
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Frequently asked questions about Louisiana car insurance
Disclaimer: ReliablePolicy is an independent lead generation and comparison service and is not affiliated with, authorized by, or endorsed by any insurance carrier or government agency. Coverage requirements change — always confirm current minimums with your state insurance department. Rate figures shown are independent market estimates based on publicly available data (primarily Bankrate) and are not quotes, representations, or guarantees of pricing by any carrier. By submitting your information, you may be connected with licensed insurance agents or carriers who will provide actual quotes based on your individual profile.
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