Louisiana Car Insurance Cost for 2021

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 $2,244 per year, which is 47.3% more than the national average rate of $1,523. Car insurance in Louisiana per month costs an average of $187 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.

Get Rates in Your AreaWhy is this important?

Chart Data Details: Chart shows average Louisiana car insurance rates for 2021 model year vehicles with safe driver and claim-free discounts applied. Full-coverage rates are averaged for all Louisiana zip codes.
Average Car Insurance Cost in Louisiana
Average Car Insurance Cost in Louisiana
Driver Age Deductible Annual Cost Monthly Cost
20$1,000$3,778$315
$500$4,456$371
$250$5,168$431
30$1,000$1,982$165
$500$2,362$197
$250$2,754$230
40$1,000$1,896$158
$500$2,244$187
$250$2,604$217
50$1,000$1,730$144
$500$2,042$170
$250$2,368$197
60$1,000$1,698$142
$500$2,004$167
$250$2,326$194

As shown in the chart, the average cost of car insurance in Louisiana ranges from $1,698 per year for a 60-year-old driver with a policy with high deductibles to $5,168 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 $142 to $431 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 $5,644 per year for a 19-year-old female driver up to $8,038 per year for a 16-year-old male driver.

Car insurance in Louisiana will cost $6,680 to $7,510 to insure 17-year-old drivers and $6,088 to $7,016 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 $2,016 per year, the Ford F-150 at $2,140, the Jeep Cherokee at $2,526, the Toyota Tacoma at $1,892, and the Honda Civic at $2,104 per year.

Popular luxury models like the Mercedes-Benz C300, the Acura ILX, and the Lexus NX 300 cost an average of $2,692, $2,094, and $2,146 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.

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Chart Data Details: Average Louisiana car insurance cost is based on 2021 model year vehicles with safe driver and claim-free discounts applied. Physical damage deductibles are $500 and rates are averaged for all Louisiana Zip Codes.
Louisiana Car Insurance Rates for Popular Vehicles
Louisiana Car Insurance Rates for Popular Vehicles
Make/Model Annual Rate Monthly Rate
Honda CR-V$1,690$141
Toyota Corolla$1,946$162
Nissan Rogue$2,016$168
Ford Ranger$2,078$173
Honda Civic$2,104$175
Toyota 4Runner$2,136$178
Ford F150$2,140$178
Toyota RAV4$2,158$180
Honda Accord$2,166$181
Toyota Camry$2,240$187
Chevrolet Traverse$2,300$192
Jeep Wrangler$2,312$193
Chevrolet Silverado$2,338$195
Ram Truck$2,438$203
Chevrolet Corvette$2,880$240

 

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?

Vehicles that have the cheapest insurance quotes in their respective segments are the Subaru Forester at $1,668 per year, Volkswagen Golf at $1,790 per year, Mazda 6 at $2,080 per year,  and the Ford F-150 at $2,140 per year.

Other models with the cheapest insurance cost in their segment include the Ford Edge at $1,782 per year, the Kia Cadenza at $2,276 per year, the Toyota Sequoia at $2,216 per year, and the Toyota Tacoma at $1,892 per year.

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 Cost Monthly Cost
1Subaru Forester$1,668$139
2Honda CR-V$1,690$141
3Ram Promaster City$1,754$146
4Mazda CX-3$1,764$147
5Toyota C-HR$1,776$148
6Kia Sportage$1,778$148
7Ford Edge$1,782$149
8Volkswagen Golf$1,790$149
9Mazda CX-5$1,810$151
10Subaru Crosstrek$1,830$153
11Chevrolet Spark$1,846$154
12Volvo XC40$1,852$154
13Hyundai Venue$1,864$155
14Volkswagen Atlas$1,878$157
15Hyundai Kona$1,886$157
16Kia Soul$1,886$157
17Subaru Impreza$1,886$157
18Toyota Tacoma$1,892$158
19Kia Telluride$1,896$158
20Chevrolet Blazer$1,900$158
21Jeep Compass$1,902$159
22Kia Sedona$1,902$159
23Subaru Outback$1,902$159
24Chevrolet Colorado$1,908$159
25Kia Rio5$1,908$159
26Mazda CX-30$1,908$159
27Nissan Kicks$1,908$159
28Honda Passport$1,910$159
29Mitsubishi Eclipse Cross$1,914$160
30Subaru Ascent$1,914$160
31Ford Escape$1,916$160
32Hyundai Tucson$1,918$160
33Nissan Frontier$1,930$161
34Volkswagen Tiguan$1,934$161
35Acura RDX$1,936$161
36Honda Pilot$1,940$162
37Toyota Corolla$1,946$162
38Ford Ecosport$1,948$162
39Buick Envision$1,960$163
40Kia Seltos$1,966$164
41Nissan Rogue Sport$1,978$165
42Chevrolet Trax$1,988$166
43Chevrolet Trailblazer$1,992$166
44Cadillac XT4$2,000$167
45Buick Encore$2,008$167
46Chevrolet Express$2,012$168
47Nissan Rogue$2,016$168
48Jeep Renegade$2,020$168
49Chevrolet Equinox$2,026$169
50Nissan Murano$2,026$169

    Get Rates in Your AreaWhy is this important?

    Table Data Details: Average car insurance rate for each model assumes a 40-year-old married male driver with a clean driving record and no at-fault accidents. Safe driver and claim-free discounts are applied to premiums. Full coverage physical damage deductibles are $500 and rates are averaged for all Zip Codes in Louisiana.
    Top 50 Cheapest Car Insurance Rates in Louisiana

    Is car insurance expensive in Louisiana?

    Yes. When compared to the three states that share a border, average Louisiana car insurance cost is 52.4% more expensive than Texas, 54.3% more expensive than Arkansas, and 66% more expensive than Mississippi.

    When compared to all states in the Southeast region of the U.S., Louisiana car insurance cost ranks dead last by a considerable margin over the next-to-last place finisher, Florida.

    The chart below shows the average cost of car insurance in all 12 Southeast states, with Louisiana planted firmly at the bottom.

    Get Rates in Your AreaWhy is this important?

    Louisiana Car Insurance Cost Compared to Southeast Region
    Average Car Insurance Cost in Louisiana Compared to Southeast Region
    Southeast Region States Average Insurance Cost Annual Difference
    Virginia$974-$1,270
    North Carolina$1,032-$1,212
    Tennessee$1,254-$990
    Alabama$1,272-$972
    West Virginia$1,346-$898
    Mississippi$1,352-$892
    South Carolina$1,406-$838
    Arkansas$1,454-$790
    Georgia$1,566-$678
    Kentucky$1,716-$528
    Florida$2,046-$198
    Louisiana$2,244--

    When compared to states in other parts of the country, the cost of car insurance in Louisiana is 33.4% more than New York, 38.5% more than Colorado, 33.9% more than California, 63.8% more than Arizona, and 133.8% 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 2021 Ford Escape in Louisiana costs $1,916 per year. This average rate is:

    • $714 per year more expensive than insuring the same vehicle in South Carolina ($1,202)
    • $578 per year more expensive than in Georgia ($1,338)
    • $828 per year more expensive than in Alabama ($1,088)
    • $764 per year more expensive than in Mississippi ($1,152)
    • $672 per year more expensive than in Arkansas ($1,244)

    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 $67 and $215 on your annual auto insurance cost, depending on your policy.
    • Gender and age are two big factors. For the average 2021 model year vehicle in Louisiana, a 20-year-old man receives an average rate of $4,456 per year, while a 20-year-old female will pay an average of $3,308, a difference of $1,148 per year. The females get the cheaper rate by far. But by age 50, the cost for a male driver is $2,042 and the female rate is $2,002, a difference of only $40.
    • Be a responsible driver and save. Having frequent at-fault accidents will raise rates, potentially as much as $3,132 per year for a 20-year-old driver and even $680 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 $984 per year.
    • Older drivers pay less than younger drivers. The difference in Louisiana auto insurance rates between a 50-year-old driver ($2,042 per year) and a 20-year-old driver ($4,456 per year) is $2,414, or a difference of 54.2%.