- Louisiana car insurance rates average $2,244 per year for a full coverage policy, or about $187 per month.
- Cheaper car insurance rates can be found on compact SUVs like the Subaru Forester and Honda CR-V, and compact cars like the Volkswagen Golf, Subaru Impreza, and Kia Rio.
- Louisiana ranks last in the Southeast region for car insurance affordability and ranks 49th out of all 50 states. Only Michigan has higher average auto insurance rates.
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.
|Driver Age||Deductible||Annual Cost||Monthly Cost|
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.
Louisiana car insurance cost for popular vehicles
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.
|Make/Model||Annual Rate||Monthly Rate|
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.
- Compact car – Volkswagen Golf insurance at $1,790 per year or $149 per month
- Compact SUV – Subaru Forester insurance at $1,668 per year or $139 per month
- Midsize car – Mazda 6 insurance at $2,080 per year or $173 per month
- Midsize SUV – Ford Edge insurance at $1,782 per year or $149 per month
- Full-size car – Kia Cadenza insurance at $2,276 per year or $190 per month
- Full-size SUV – Toyota Sequoia insurance at $2,216 per year or $185 per month
- Midsize pickup – Toyota Tacoma insurance at $1,892 per year or $158 per month
- Full-size pickup – Ford F150 insurance at $2,140 per year or $178 per month
- Heavy duty pickup – Ford F350 Super Duty insurance at $2,416 per year or $201 per month
- Minivan – Kia Sedona insurance at $1,902 per year or $159 per month
- Sports car – Mazda Miata insurance at $2,058 per year or $172 per month
- Compact luxury car – Mercedes-Benz A220 insurance at $2,198 per year or $183 per month
- Compact luxury SUV – Volvo XC40 insurance at $1,852 per year or $154 per month
- Midsize luxury car – Acura ILX insurance at $2,094 per year or $175 per month
- Midsize luxury SUV – Volvo V60 insurance at $2,118 per year or $177 per month
- Full-size luxury car – Volvo S90 insurance at $2,446 per year or $204 per month
- Full-size luxury SUV – Volvo XC90 insurance at $2,154 per year or $180 per month
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.
|Rank||Make/Model||Annual Cost||Monthly Cost|
|3||Ram Promaster City||$1,754||$146|
|29||Mitsubishi Eclipse Cross||$1,914||$160|
|41||Nissan Rogue Sport||$1,978||$165|
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.
|Southeast Region States||Average Insurance Cost||Annual Difference|
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.
- New Orleans Car Insurance - $3,518 per year or $293 per month
- Baton Rouge Car Insurance - $2,692 per year or $224 per month
- Shreveport Car Insurance - $2,068 per year or $172 per month
- Lafayette Car Insurance - $2,262 per year or $189 per month
- Lake Charles Car Insurance - $2,192 per year or $183 per month
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%.