How Much Does Auto Insurance Cost in Louisiana?
Louisiana pricing is below the national average. Updated for 2024.
Auto Insurance Pricing in Louisiana
In Louisiana, the average cost for auto insurance is $157 per month, which is 13% lower than the national average of $180. Most Louisiana residents pay between $87 and $261.
Louisiana benefits from a lower cost of living than many states, resulting in more affordable pricing for auto insurance. This makes it one of the more budget-friendly states for this service.
Auto insurance premiums depend on your driving record, vehicle, coverage levels, location, credit score, and age. Full coverage costs significantly more than minimum liability.
Louisiana vs National Average
What Affects Auto Insurance Cost in Louisiana?
Coverage
Minimum liability: $50-$100/mo. Full coverage: $150-$300/mo
Driving Record
Clean record vs DUI/accident can mean 50-200% higher premiums
💡 Tips to Save on Auto Insurance in Louisiana
- 1.Bundle with home insurance for 10-25% discount
- 2.Raise your deductible to lower premiums
- 3.Ask about safe driver and low mileage discounts
- 4.Shop around every 1-2 years — loyalty rarely pays
Frequently Asked Questions
How much car insurance do I need?
At minimum, you need your state's required liability coverage. Experts recommend at least 100/300/100 liability plus comprehensive and collision.