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Updated Nov 02, 2022 Pay less for auto insurance A better rate is around the corner. See how much you could save in 3 minutes or less. Your information is secure Next Compare quotes from reliable carriers + MORE how it works Caret Down Provide some info to get offers We only ask for info that can impact your rate so we can share accurate and personalized offers. Select your policy Compare and move forward with as many offers as you want from a list of trusted carriers. Settle your rate and policy details Once you've decided on a carrier, wrap up the process online or on the phone with a trusted agent. On This Page
Compare rates and save on auto insurance today! Get quotes Close X Average car insurance rates in Louisiana are higher than due to the number of . The average cost of car insurance in Louisiana is $975 for basic coverage and $2,724 for full car insurance, which breaks down to roughly $80 or $227 per month. Finding ways to save on expensive Louisiana auto insurance rates could significantly help you keep your budget intact. Bankrate's findings on how Louisiana car insurance rates vary based on certain factors could shed light on what to look for - and avoid - when shopping for vehicle coverage. See More This advertisement is powered by Coverage.com, LLC, a licensed insurance producer (NPN: 19966249) and a corporate affiliate of Bankrate. The offers and links that appear on this advertisement are from companies that compensate Coverage.com in different ways. The compensation received and other factors, such as your location, may impact what offers and links appear, and how, where and in what order they appear. While we seek to provide a wide range of offers, we do not include every product or service that may be available. Our goal is to keep information accurate and timely, but some information may not be current. Your actual offer from an advertiser may be different from the offer on this advertisement. All offers are subject to additional terms and conditions. Compare auto insurance rates
Answer a few questions to see personalized rates from top carriers Save on auto insurance with quotes from trusted providers like Drivers switch & save an average of $750+/year Arrow Right Are you overpaying for auto insurance? Arrow Right Safe drivers choose Allstate Arrow Right Powered by Coverage.com (NPN: 19966249) Coverage.com, LLC is a licensed insurance producer (NPN: 19966249). Coverage.com services are only available in . Coverage.com may not offer insurance coverage in all states or scenarios. All insurance products are governed by the terms in the applicable insurance policy, and all related decisions (such as approval for coverage, premiums, commissions and fees) and policy obligations are the sole responsibility of the underwriting insurer. The information on this site does not modify any insurance policy terms in any way. See more providers in Choose from insurers in Show More This advertisement is powered by Coverage.com, LLC, a licensed insurance producer (NPN: 19966249) and a corporate affiliate of Bankrate. The offers and links that appear on this advertisement are from companies that compensate Coverage.com in different ways. The compensation received and other factors, such as your location, may impact what offers and links appear, and how, where and in what order they appear. While we seek to provide a wide range of offers, we do not include every product or service that may be available. Our goal is to keep information accurate and timely, but some information may not be current. Your actual offer from an advertiser may be different from the offer on this advertisement. All offers are subject to additional terms and conditions. Compare auto insurance rates
Answer a few questions to see personalized rates from top carriers Save on auto insurance with quotes from trusted providers like Drivers switch & save an average of $750+/year Arrow Right Are you overpaying for auto insurance? Arrow Right Safe drivers choose Allstate Arrow Right Powered by Coverage.com (NPN: 19966249) Coverage.com, LLC is a licensed insurance producer (NPN: 19966249). Coverage.com services are only available in . Coverage.com may not offer insurance coverage in all states or scenarios. All insurance products are governed by the terms in the applicable insurance policy, and all related decisions (such as approval for coverage, premiums, commissions and fees) and policy obligations are the sole responsibility of the underwriting insurer. The information on this site does not modify any insurance policy terms in any way. See more providers in Choose from insurers in Show More How much is car insurance cost in Louisiana
U.S. drivers pay $565 for minimum coverage and $1,674 for full insurance. Average car insurance rates in Louisiana are nearly double that amount. Although the figures seem discouraging, they are average. Louisiana auto insurance rates based on age, carrier, driving record and level of coverage. Bankrate's study found coverage with select carriers for far lower than the average. This advertisement is powered by Coverage.com, LLC, a licensed insurance producer (NPN: 19966249) and a corporate affiliate of Bankrate. The offers and links that appear on this advertisement are from companies that compensate Coverage.com in different ways. The compensation received and other factors, such as your location, may impact what offers and links appear, and how, where and in what order they appear. While we seek to provide a wide range of offers, we do not include every product or service that may be available. Our goal is to keep information accurate and timely, but some information may not be current. Your actual offer from an advertiser may be different from the offer on this advertisement. All offers are subject to additional terms and conditions. Compare auto insurance rates
Answer a few questions to see personalized rates from top carriers. Save on auto with quotes from trusted providers like: Arrow Right Powered by Coverage.com (NPN: 19966249) Coverage.com, LLC is a licensed insurance producer (NPN: 19966249). Coverage.com services are only available in . Coverage.com may not offer insurance coverage in all states or scenarios. All insurance products are governed by the terms in the applicable insurance policy, and all related decisions (such as approval for coverage, premiums, commissions and fees) and policy obligations are the sole responsibility of the underwriting insurer. The information on this site does not modify any insurance policy terms in any way. Louisiana car insurance rates by company
Based on our findings, some of Louisiana's are Geico and Southern Farm Bureau. Rates from Geico are $575 for minimum coverage and $2,211 for full, while Southern Farm Bureau's average premiums are $607 and $1,871, respectively. Make it a habit to get quotes from a handful of annually. You may find it worth your while to to take advantage of lower rates. Car insurance company Average annual premium for minimum coverage Average annual premium for full coverage $1,336 $4,197 $1,324 $3,341 $575 $2,211 $1,009 $2,651 $1,614 $3,161 $1,067 $3,099 Safeway $1,216 $2,965 $607 $1,871 $830 $3,119 $757 $2,035 Louisiana car insurance rates by city
Rates in Louisiana can be higher or lower than average based on your city. New Orleans has the highest cost of vehicle insurance in the state, with premiums averaging 55 percent more than the state average. Here is how the top 20 cities based on population compare: City Average annual premium for full coverage % increase in average annual premium New Orleans $4,234 55% Baton Rouge $3,091 13% Shreveport $2,436 -11% Lafayette $2,819 3% Metairie $3,271 20% Lake Charles $2,803 3% Monroe $2,672 -2% Slidell $2,772 2% Bossier City $2,214 -19% Denham Springs $3,013 11% Kenner $3,339 23% New Iberia $2,683 -2% Alexandria $2,889 6% Houma $2,636 -3% Covington $2,592 -5% Mandeville $2,560 -6% Hammond $2,830 4% Gonzales $2,946 8% Marrero $3,727 37% Prairieville $2,950 8% Louisiana car insurance rates by age
Insurance companies classify younger drivers as higher-risk due to their inexperience behind the wheel. Motor vehicle crashes are the of teens. As a result, young adults are likely to pay significantly more than a 30- or 40-year-old driver. Age Average annual premium in Louisiana $4,333 $8,300 $5,922 $3,426 $3,007 $2,724 $2,609 $2,600 $2,816 *16 year old calculated on parent's policy disclosure Louisiana car insurance rates by driving record
Teens and young drivers typically pay more for car insurance because their lack of experience may lead to more traffic accidents, which are expensive for insurance companies. Drivers of any age cited for speeding or driving under the influence or responsible for an accident are also considered higher-risk. Just a single speeding ticket could raise your premiums by nearly 20 percent, and a DUI could cost you 50 percent more. Considering that Louisiana auto insurance rates are already high, these increases could break your budget. Driving incident Average annual full coverage premium in Louisiana % increase in average annual premium Speeding ticket $3,341 18% Accident $3,802 28% DUI $5,425 50% How to save on car insurance in Louisiana
To make the most significant impact on high insurance premiums, look for discounts from your carrier. Some of the more common savings available include: Bundling: Buying car and home or rental insurance together can earn you a significant discount from most carriers, sometimes as much as 25 percent Telematics: Allowing your insurance company to track your driving electronically could save you significantly on your car insurance. All you need to do is download an app and drive safely. Your insurance carrier will discount your premiums based on good (and safe) driving habits. Keeping up your grades: Younger drivers still in school or college could qualify for a good student discount if they have good grades. Frequently asked questions
The average cost of car insurance in Louisiana is $975 for minimum coverage and $2,724 for full, making Louisiana one of the most expensive states for vehicle insurance in the country.
To find the lowest rates, start by comparing car insurance companies and collecting quotes from a few. Also, take advantage of discounts that could lower your premiums, such as safety equipment, airbags, good driver and good student discounts.
Bankrate found that Geico offers some of Louisiana's cheapest minimum insurance coverage at $575 per year. Southern Farm Bureau offered some of the most affordable rates for full car insurance at $1,871 annually. However, these rates are simply averages, so it is a good idea to shop around and get quotes for your unique circumstances. Methodology
Bankrate utilizes Quadrant Information Services to analyze 2021 rates for all ZIP codes and carriers in all 50 states and Washington, D.C. Quoted rates are based on a 40-year-old male and female driver with a clean driving record, good credit and the following full coverage limits: $100,000 bodily injury liability per person $300,000 bodily injury liability per accident $50,000 property damage liability per accident $100,000 uninsured motorist bodily injury per person $300,000 uninsured motorist bodily injury per accident $500 collision deductible $500 comprehensive deductible To determine minimum coverage limits, Bankrate used minimum coverages that meet each state’s requirements. Our base profile drivers own a 2019 Toyota Camry, commute five days a week and drive 12,000 miles annually.