Louisiana Car Insurance Cost for 2025

What does average car insurance cost in Louisiana? We break down average insurance rates to find the vehicles with the cheapest car insurance in Louisiana.

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How much does car insurance cost in Louisiana?

Average car insurance cost in Louisiana is $2,660 per year, which is 18% more than the national average rate of $2,221. Car insurance in Louisiana per month costs an average of $222 for full coverage.

The chart below shows average car insurance cost for all of Louisiana, including drivers aged 20 to 60 and different policy deductibles. The average rate we use for comparisons is for a 40-year-old driver with $500 policy deductibles. We use the same driver age and deductibles across our entire site to determine average rates, so all comparisons are apples-to-apples.

Average full-coverage car insurance premium in Louisiana for different ages of drivers.
Figure 1: Average full-coverage car insurance premium in Louisiana for different ages of drivers. Rates updated on June 27, 2025.

Get Rates in Your AreaWhy is this important?

Data Methodology: Average premiums are based on all 2024 model year vehicles. Rates assume a clean driving record and no claims or at-fault accidents. Comprehensive and collision coverage is included as well as UM/UIM and medical payments coverage. Premiums are averaged across all Louisiana Zip Codes.

Average Car Insurance Cost in Louisiana
Driver Age Deductible Annual Premium Cost Per Month
20$1,000$4,528$377
$500$5,352$446
$250$6,224$519
30$1,000$2,380$198
$500$2,840$237
$250$3,318$277
40$1,000$2,238$187
$500$2,660$222
$250$3,102$259
50$1,000$1,994$166
$500$2,358$197
$250$2,738$228
60$1,000$1,866$156
$500$2,206$184
$250$2,562$214

Data Methodology: Rated driver is a 40-year-old married male with no driving violations or at-fault accidents in the prior three years. Uninsured Motorist (UM), Underinsured Motorist (UIM) and medical payments coverages are included. Premium is averaged for all Louisiana Zip Codes. Updated June 27, 2025

As shown in the chart, the average cost of car insurance in Louisiana ranges from $1,866 per year for a 60-year-old driver with a policy with high deductibles to $6,224 per year for a 20-year-old driver with low physical damage deductibles.

From a monthly standpoint, the average cost in the chart ranges from $156 to $519 per month.

Rates are dependent on many factors, among them are the driver age and deductible level (as demonstrated in the chart), but also driving record, financial responsibility, credit score (in most states), and many other smaller factors.

If you’re insuring a teenage driver, hold onto your hat. Average insurance rates for teen drivers in Louisiana range from $6,335 per year for a 19-year-old female driver up to $9,475 per year for a 16-year-old male driver.

Car insurance in Louisiana will cost $8,796 to $9,181 to insure 17-year-old drivers and $7,592 to $8,225 per year to insure 18-year-olds.

Average Louisiana car insurance rates for some of the more popular vehicles include the Nissan Rogue at an average of $2,388 per year, the Ford F-150 at $2,976, the Jeep Cherokee at $2,872, the Toyota Tacoma at $2,694, and the Honda Civic at $2,354 per year.

Popular luxury models like the Mercedes-Benz C300, the Acura RDX, and the Lexus NX 300 cost an average of $2,940, $2,224, and $2,640 per year, respectively, for full-coverage car insurance.

The chart below shows how car insurance rates compare between 15 of the most popular vehicles in Louisiana.

Average cost to insure popular 2024 model year vehicles in Louisiana.
Figure 2: Average cost to insure popular 2024 model year vehicles in Louisiana. Rates updated on June 27, 2025.

Get Rates in Your AreaWhy is this important?

Data Methodology: Average car insurance cost is based on 2024 model year vehicles with safe driver and claim-free discounts applied. Comprehensive and collision deductibles are $500 and UM/UIM and medical payments coverages are included. Rates are averaged for all Louisiana Zip Codes.

Louisiana Car Insurance Rates for Popular Vehicles
Make/Model Annual Premium Cost Per Month
Honda CR-V$2,114$176
Honda Civic$2,192$183
Nissan Rogue$2,232$186
Toyota RAV4$2,292$191
Chevrolet Traverse$2,316$193
Ford Ranger$2,372$198
Honda Accord$2,392$199
Toyota Corolla$2,424$202
Toyota Camry$2,660$222
Toyota 4Runner$2,672$223
Chevrolet Silverado$2,754$230
Ford F150$2,776$231
Jeep Wrangler$2,850$238
Ram Truck$2,868$239
Chevrolet Corvette$3,404$284

Data Methodology: Rated driver is a 40-year-old married male with no driving violations or at-fault accidents in the prior three years. Uninsured Motorist (UM), Underinsured Motorist (UIM) and medical payments coverages are included. Premium is averaged for all trim levels available for each vehicle for the 2024 model year and also for all Louisiana Zip Codes. Updated June 27, 2025

In the next section we are going to rank the 50 vehicles with the cheapest car insurance quotes in Louisiana. In the chart above, only the first three models, the Honda CR-V, Toyota Corolla, and Nissan Rogue made it into the top 50 cheapest list. It just proves that the most popular vehicles are usually not the cheapest to insure.

Which vehicles have cheap Louisiana car insurance?

From an overall standpoint, the models with the best car insurance rates in Louisiana tend to be small SUVs like the Subaru Crosstrek, Chevrolet Trailblazer, Hyundai Venue, and Toyota Corolla Cross. Average car insurance prices for those vehicles cost $2,160 or less per year for full coverage.

Other vehicles that rank towards the top in our auto insurance cost comparison are the Volkswagen Taos, Subaru Outback, Acura RDX, and Volkswagen Tiguan.

Average cost is a few dollars per month higher for those models than the crossovers and compact SUVs at the top of the list, but they still have average rates of $2,314 or less per year in Louisiana.

Here is the full list of vehicle segments with the vehicle ranked as cheapest to insure in each.

Not all vehicles that are cheapest in their segment make the next list of the top 50 cheapest vehicles to insure. Ranked in the table below are the cars, trucks, and SUVs (including luxury models) with the cheapest car insurance quotes in Louisiana.

Top 50 Cheapest Car Insurance Rates in Louisiana
Rank Make/Model Annual Premium Cost Per Month
1Subaru Crosstrek$1,830$153
2Chevrolet Trailblazer$1,868$156
3Kia Soul$1,936$161
4Nissan Kicks$1,956$163
5Honda Passport$1,968$164
6Buick Envision$1,980$165
7Toyota Corolla Cross$2,002$167
8Mazda CX-5$2,020$168
9Hyundai Venue$2,024$169
10Ford Bronco Sport$2,032$169
11Volkswagen Tiguan$2,048$171
12Acura RDX$2,068$172
13Nissan Murano$2,082$174
14Buick Encore$2,106$176
15Subaru Outback$2,108$176
16Honda CR-V$2,114$176
17Buick Envista$2,126$177
18Volkswagen Taos$2,130$178
19Kia Niro$2,132$178
20Toyota GR Corolla$2,144$179
21Subaru Ascent$2,148$179
22Honda HR-V$2,160$180
23Nissan Leaf$2,172$181
24Chevrolet Colorado$2,182$182
25Lexus NX 250$2,188$182
26Honda Civic$2,192$183
27Volkswagen Atlas$2,192$183
28Volkswagen Atlas Cross Sport$2,198$183
29Acura Integra$2,202$184
30Subaru Forester$2,204$184
31GMC Terrain$2,214$185
32Kia Seltos$2,218$185
33Nissan Rogue$2,232$186
34Cadillac XT4$2,234$186
35Hyundai Kona$2,236$186
36Mazda CX-30$2,242$187
37Volkswagen ID4$2,246$187
38Ford Explorer$2,248$187
39Toyota Highlander$2,250$188
40Toyota Venza$2,256$188
41Honda Odyssey$2,262$189
42Ford Escape$2,268$189
43Nissan Sentra$2,282$190
44Chevrolet Equinox$2,284$190
45Subaru Impreza$2,284$190
46Mazda MX-5 Miata$2,288$191
47Toyota RAV4$2,292$191
48Mazda MX-30$2,296$191
49Hyundai Tucson$2,300$192
50Jaguar E-Pace$2,310$193

Data Methodology: Rated driver is a 40-year-old married male with no driving violations or at-fault accidents in the prior three years. Uninsured Motorist (UM), Underinsured Motorist (UIM) and medical payments coverages are included. Premium is averaged for all trim levels available for each vehicle and also for all Louisiana Zip Codes. Updated June 27, 2025

Top 50 cheapest vehicles to insure in Louisiana with the Subaru Crosstrek ranking first at $1,830 per year
Top 50 cheapest vehicles to insure in Louisiana with the Subaru Crosstrek ranking first at $1,830 per year

Is car insurance expensive in Louisiana?

Yes. When compared to the three states that share a border, average Louisiana car insurance cost is 12.4% more expensive than Texas, 4% more expensive than Arkansas, and 9% more expensive than Mississippi.

When compared to all states in the Southeast region of the U.S., Louisiana car insurance cost ranks 11th out of 12 total comparison states. The chart below shows the average cost of car insurance in all 12 Southeast states.

Average cost of car insurance in Louisiana compared to other Southeast region states.
Figure 3: Average cost of car insurance in Louisiana compared to other Southeast region states. Rates updated on June 27, 2025.
Average Car Insurance Cost in Louisiana Compared to Southeast Region
Southeast Region States Average Annual Premium Cost Difference
North Carolina$1,822-$838
Virginia$1,890-$770
South Carolina$2,192-$468
West Virginia$2,288-$372
Alabama$2,300-$360
Tennessee$2,392-$268
Mississippi$2,432-$228
Georgia$2,514-$146
Arkansas$2,556-$104
Kentucky$2,600-$60
Louisiana$2,660--
Florida$2,754$94

Data Methodology: Rated driver is a 40-year-old married male with no driving violations or at-fault accidents in the prior three years. Uninsured Motorist (UM), Underinsured Motorist (UIM) and medical payments coverages are included. Premium is averaged for all 2024 model year vehicles and also for all Louisiana Zip Codes. Updated June 27, 2025

When compared to states in other parts of the country, the cost of car insurance in Louisiana is 3.4% less than New York, 2.2% more than Colorado, 6.6% less than California, 13.3% more than Arizona, and 39.4% more expensive than Maine.

Here’s an example using dollar amounts instead of percentages of how much more drivers in Louisiana can expect to pay over surrounding states. This example uses a Ford Escape as the insured vehicle with a 40-year-old male as the rated driver.

Average auto insurance on a 2024 Ford Escape in Louisiana costs $2,426 per year. This average rate is:

  • $426 per year more expensive than insuring the same vehicle in South Carolina ($2,000)
  • $136 per year more expensive than in Georgia ($2,290)
  • $326 per year more expensive than in Alabama ($2,100)
  • $208 per year more expensive than in Mississippi ($2,218)
  • $92 per year more expensive than in Arkansas ($2,334)

Louisiana car insurance cost by city

Listed below are some of the larger cities in Louisiana and the average annual and monthly car insurance rates for each one. Visit any city page to view detailed rate information, including overall average rates, cost comparisons by vehicle segment, and the cheapest models to insure in each city.

Additional rates and conclusions

Below are some additional situations that can impact the cost of car insurance either positively or negatively. Some tips are also included that can help you save on your next policy.

  • Your employer could save you money. The vast majority of car insurance providers offer policy discounts for being employed in occupations like firefighters, accountants, nurses, doctors, emergency medical technicians, engineers, and others. If you work in a qualifying profession, you could potentially save between $80 and $259 on your annual auto insurance cost, depending on your policy.
  • Gender and age are two big factors. For the average 2024 model year vehicle in Louisiana, a 20-year-old man receives an average rate of $5,352 per year, while a 20-year-old female will pay an average of $3,842, a difference of $1,510 per year. The females get the cheaper rate by far. But by age 50, the cost for a male driver is $2,358 and the female rate is $2,298, a difference of only $60.
  • Be a responsible driver and save. Having frequent at-fault accidents will raise rates, potentially as much as $3,798 per year for a 20-year-old driver and even $650 per year for a 60-year-old driver.
  • Qualify for policy discounts to save money. Discounts may be available if the policyholders are loyal customers, are homeowners, take a defensive driving course, belong to certain professional organizations, insure their home and car with the same company, or many other policy discounts which could save the average driver as much as $712 per year.
  • Older drivers pay less than younger drivers. The difference in Louisiana auto insurance rates between a 50-year-old driver ($2,358 per year) and a 20-year-old driver ($5,352 per year) is $2,994, or a difference of 77.7%.