The average driver in Louisiana pays about $1,979 a year for full coverage — about 38% more than the US average of $1,438. That ranks Louisiana #2 of 51 states (one of the most expensive). The car you drive then shifts it: a cheap-to-insure model can land near $950, a high-loss one well over $14,573.
Louisiana insurance cost by coverage
Average Louisiana premium split by coverage type — liability is required, full coverage adds collision + comprehensive.
Minimum car insurance required in Louisiana
Louisiana legally requires at least 15/30/25 in liability coverage — $15,000 bodily injury per person, $30,000 per accident, and $25,000 property damage. These are legal minimums — most drivers carry more to fully protect themselves.
Minimum coverage is the cheapest to buy, but it may not cover a serious crash — full coverage adds collision and comprehensive for your own car.
Cheapest cars to insure in Louisiana
Estimated annual premium in Louisiana, cheapest first — state average × each car's real HLDI loss index.
Know what a car really costs to insure and own.
- Your personalized rate — coverage, age & deductible
- Insurance in the 5-year cost-to-own
- Full coverage breakdown — cost per coverage
- Compare insurance across cars, side by side
- Export estimates to CSV / Excel
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- …and much more
Most expensive cars to insure in Louisiana
The priciest cars to insure in Louisiana — powerful, theft-prone and costly to repair.
Louisiana insurance cost by year
Louisiana premiums are up about +12% since 2019. Average Louisiana premium by year:
| Year | Louisiana avg / yr |
|---|---|
| 2023 | |
| 2022 | |
| 2021 | |
| 2020 | |
| 2019 |
Car insurance cost in Louisiana's largest cities
Rates vary within Louisiana by city and ZIP — dense metros like New Orleans run above the state average, while smaller towns run below. Estimated typical premium in Louisiana's biggest cities:
| City | Est. typical / yr | vs state avg |
|---|---|---|
| New Orleans | $2,177/yr | +10% urban |
| Baton Rouge | $2,118/yr | +7% urban |
| Shreveport | $2,078/yr | +5% urban |
| Lafayette | $2,058/yr | +4% urban |
| Lake Charles | $2,019/yr | +2% urban |
| Metairie | $1,999/yr | ≈ state avg |
City figures are estimates — urban areas trend above the state average; your exact rate depends on your ZIP, car and record. Use the calculator above for your specific car.