What is the minimum car insurance required in Louisiana?

Louisiana requires 15/30/25 — $15K BI per person, $30K BI per accident, $25K property damage. Driving without minimum coverage results in license suspension, fines of $500+, and personal liability for any damages. The minimum is the legal floor — most drivers benefit from higher liability limits because state minimums often don't fully cover damages from a serious accident.

What is the average cost of car insurance in Louisiana?

Louisiana drivers pay an average of $344/month ($4,135/year) for full coverage and $158/month ($1,901/year) for minimum coverage. Your specific quote depends on your age, driving record, credit (where allowed), vehicle, and ZIP code — averages are useful for comparison but always quote 3+ carriers for your real rate.

Which car insurance company is cheapest in Louisiana?

For minimum coverage, Southern Farm Bureau (or USAA for military) is cheapest at $76/month ($912/year average). Note: USAA cheapest at $883/yr for eligible military; GEICO cheapest national carrier at $984/yr For full coverage, National General (or USAA for military) averages $107/month ($1,279/year). USAA cheapest for eligible military

How can I lower my car insurance in Louisiana?

Five proven tactics: (1) Quote 3+ carriers — switching saves the average driver $300–$500/year. (2) Bundle auto + home for 10–25% off (State Farm leads at 22–23%, ~$1,010/yr avg savings). (3) Increase your deductible from $500 to $1,000 — saves 15–30%. (4) Use telematics — Progressive Snapshot saves safe drivers $322/yr avg, up to 30% off. (5) Stack discounts — multi-vehicle, good driver, paperless, autopay, and pay-annually compound to 30%+ off baseline. In Louisiana specifically, allows credit-based insurance pricing.

Do I need uninsured motorist coverage in Louisiana?

Louisiana doesn't legally require uninsured motorist coverage, but it's strongly recommended. Roughly 12–25% of drivers nationally are uninsured (varies by state). UM coverage pays your medical bills and car repairs if you're hit by an uninsured or underinsured driver. It typically costs $5–$15/month and is one of the highest-ROI coverages you can add.

Historic French Quarter buildings in New Orleans Louisiana

Verified May 1, 2026·47,000+ readers·Independent rankings

Compare Car Insurance Quotes in Louisiana (2026)

Free quotes from licensed Louisiana carriers in under 60 seconds. No agent calls. No obligation.

Get My Louisiana Quote

Free quotes · No agent calls · No obligation

Personalized matcher · Free quotes · No obligation

Compare Louisiana quotes from top carriers

Enter your ZIP and a few details — we'll pull live Louisiana-eligible quotes from carriers in our network. Average switcher saves $300–$500/year.

Prefer a new tab?

Open the full marketplace in a new tab — same offers, more room.

Compare quotes →

Advertiser disclosure: WalletGrower may earn a commission from links on this page. Editorial picks are independent of payout.

Sponsored network. WalletGrower may earn a commission when you qualify with one of our partners. Rankings are independent.

Quick Answer — Louisiana

Minimum coverage required: 15/30/25 — $15K BI per person, $30K BI per accident, $25K property damage
Avg full coverage cost: $344/month ($4,135/year)
Cheapest carrier (minimum): Southern Farm Bureau (or USAA for military) — $76/mo avg
Cheapest carrier (full coverage): National General (or USAA for military) — $107/mo avg

What's special about car insurance in Louisiana

AMONG THE MOST EXPENSIVE auto-insurance states in the US — full coverage avg $4,135/yr
Hurricane / coastal risk drives premiums higher in coastal parishes
Allows credit-based insurance pricing
Louisiana's legal climate (jurisdiction with high-payout verdicts) is a major rate driver

Louisiana car insurance at a glance

Feature	Detail	Monthly	Annual
Minimum coverage required	15/30/25 — $15K BI per person, $30K BI per accident, $25K property damage	—	—
Avg minimum coverage cost	$158/mo	$1,901/yr	—
Avg full coverage cost	$344/mo	$4,135/yr	—
Cheapest carrier (minimum)	Southern Farm Bureau (or USAA for military)Best	$76/mo	$912/yr
Cheapest carrier (full coverage)	National General (or USAA for military)Best	$107/mo	$1,279/yr

Which carrier should Louisiana drivers pick?

Match your situation to the right carrier. Louisiana-specific pricing varies by carrier, but the patterns below hold for most drivers.

You want the absolute cheapest minimum coverageSouthern Farm Bureau (or USAA for military)Cheapest in Louisiana at $76/mo. USAA cheapest at $883/yr for eligible military; GEICO cheapest national carrier at $984/yr
You want full coverage at the lowest priceNational General (or USAA for military)$107/mo full coverage in Louisiana. USAA cheapest for eligible military
You qualify for USAA (military / veteran / family)USAAUSAA is almost always cheapest for eligible members in any state — quote them first.
You bundle auto + homeState Farm23% bundle discount = avg $1,010/yr savings — highest in industry.
You drive defensively + would let an app monitorProgressive (Snapshot)Avg $322/yr savings for safe drivers. Up to 30% off baseline.
You have a high-risk record (DUI, accidents, tickets)ProgressiveSpecialty pricing for non-standard drivers — beats GEICO/State Farm in this tier.

Verified by the WalletGrower Editorial Team — current as of July 2026. We update rates, bonuses, fees, and product details regularly against each provider's published disclosures. Vendors can change offers between our update cycles, so we always recommend confirming the current published rate or bonus on the provider's site before signing up or applying.

Compare Louisiana quotes from top carriers

Get matched with carriers licensed in Louisiana. Soft-pull only — won't affect your credit. Average switcher saves $300–$500/year.

Compare quotes →

Methodology & sources

All Louisiana data on this page was WebSearch-verified May 2026 against the Louisiana insurance commissioner / DMV and at least one of the following 2026 carrier analyses:

Caveat: Real quotes vary by ZIP code, age, driving record, credit (where allowed), vehicle, and coverage level. The averages cited are useful for cross-carrier comparison but your actual quote will differ — sometimes by hundreds of dollars in either direction. Always quote 3+ carriers before deciding.