Louisiana Car Insurance
Louisiana's minimum requirements, average cost, and a free premium estimate — no signup, no quote spam.
Minimum liability
15/30/25
Avg. full coverage
$3,000/yr
Liability system
at-fault
Estimate your Louisiana premium
Estimated annual premium
$1,800
Estimate uses national-average factors. Real quotes vary 30-50% across carriers — always compare 3+.
Louisiana car insurance requirements
Louisiana has low minimums (15/30/25) but among the highest premiums in the country, driven by litigation and claim costs.
Those are only the legal minimums. Minimum liability often isn't enough to cover a serious crash, so many drivers carry higher limits plus collision and comprehensive — especially on a newer or financed vehicle.
Louisiana car insurance FAQ
What is the minimum car insurance required in Louisiana?
Louisiana requires at least 15/30/25 in liability coverage — that's $15k bodily injury per person, $30k per accident, and $25k property damage. Louisiana has low minimums (15/30/25) but among the highest premiums in the country, driven by litigation and claim costs.
How much does car insurance cost in Louisiana?
Full-coverage car insurance in Louisiana averages roughly $3,000 per year, but your rate depends heavily on age, driving record, vehicle, and ZIP code. Use the estimator above and always compare at least three carriers.
Is Louisiana a no-fault state?
Louisiana is an at-fault (tort) state. The driver who causes a crash is responsible for the resulting damages.
Why is car insurance so expensive in Louisiana?
At about $3,000/yr, Louisiana sits among the pricier states. Dense traffic, higher repair and medical costs, more uninsured drivers, and weather or theft claims all push rates up. Comparing carriers and raising your deductible are the fastest ways to cut the bill.
What's the cheapest way to insure a car in Louisiana?
Carry at least the 15/30/25 legal minimum, then lower cost by comparing 3+ carriers, bundling policies, raising your deductible, asking about low-mileage and safe-driver discounts, and keeping your credit healthy. Dropping collision/comprehensive only makes sense on an older, paid-off car.