- Louisiana car insurance rates average $2,206 per year for a full coverage policy, or about $184 per month.
- Cheaper car insurance rates can be found on compact SUVs like the Mazda CX-30 and Honda CR-V, and compact cars like the Toyota Corolla, Chevy Spark, and Subaru Impreza.
- Louisiana ranks #11 in the Southeast region out of 12 states for car insurance affordability and ranks 48th out of all 50 states. Only Michigan and Florida have higher average auto insurance rates.
How much does car insurance cost in Louisiana?
Average car insurance cost in Louisiana is $2,206 per year, which is 40.8% more than the national average rate of $1,567. Car insurance in Louisiana per month costs an average of $184 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 $1,674 per year for a 60-year-old driver with a policy with high deductibles to $5,078 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 $140 to $423 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 $5,542 per year for a 19-year-old female driver up to $7,904 per year for a 16-year-old male driver.
Car insurance in Louisiana will cost $6,566 to $7,382 to insure 17-year-old drivers and $5,978 to $6,892 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 $2,160 per year, the Ford F-150 at $2,136, the Jeep Cherokee at $2,448, the Toyota Tacoma at $2,050, and the Honda Civic at $2,186 per year.
Popular luxury models like the Mercedes-Benz C300, the Acura ILX, and the Lexus NX 300 cost an average of $2,628, $2,030, and $2,220 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?
From an overall standpoint, the models with the best car insurance rates in Louisiana tend to be small SUVs like the Mazda CX-5, Nissan Kicks, Nissan Rogue Sport, and Buick Encore. Average car insurance prices for those vehicles cost $1,840 or less per year for full coverage.
Other vehicles that rank towards the top in our auto insurance cost comparison are the Subaru Forester, Subaru Ascent, Kia Seltos, and Buick Envision.
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 $1,916 or less per year in Louisiana.
Here is the full list of vehicle segments with the vehicle ranked as cheapest to insure in each.
- Compact car – Subaru Impreza insurance at $1,914 per year or $160 per month
- Compact SUV – Mazda CX-5 insurance at $1,680 per year or $140 per month
- Midsize car – Subaru Legacy insurance at $2,138 per year or $178 per month
- Midsize SUV – Honda Passport insurance at $1,772 per year or $148 per month
- Full-size car – Toyota Avalon insurance at $2,314 per year or $193 per month
- Full-size SUV – Chevrolet Tahoe insurance at $2,216 per year or $185 per month
- Midsize pickup – Chevrolet Colorado insurance at $1,816 per year or $151 per month
- Full-size pickup – Ford F150 insurance at $2,136 per year or $178 per month
- Heavy duty pickup – Ford F350 Super Duty insurance at $2,396 per year or $200 per month
- Minivan – Honda Odyssey insurance at $2,058 per year or $172 per month
- Sports car insurance – Mazda MX-5 Miata insurance at $1,912 per year or $159 per month
- Compact luxury car insurance – Mercedes-Benz A220 insurance at $2,168 per year or $181 per month
- Compact luxury SUV – Acura RDX insurance at $1,892 per year or $158 per month
- Midsize luxury car – Acura ILX insurance at $2,030 per year or $169 per month
- Midsize luxury SUV – Cadillac XT5 insurance at $2,170 per year or $181 per month
- Full-size luxury car – Audi A5 insurance at $2,592 per year or $216 per month
- Full-size luxury SUV – Volvo XC90 insurance at $2,390 per year or $199 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|
|9||Nissan Rogue Sport||$1,800||$150|
|16||Toyota Corolla Cross||$1,852||$154|
|19||Mazda MX-5 Miata||$1,864||$155|
|34||Mitsubishi Eclipse Cross||$1,990||$166|
Is car insurance expensive in Louisiana?
Yes. When compared to the three states that share a border, average Louisiana car insurance cost is 53.6% more expensive than Texas, 35.3% more expensive than Arkansas, and 53.4% more expensive than Mississippi.
When compared to all states in the Southeast region of the U.S., Louisiana car insurance cost ranks #11 out of 12 total comparison states. The chart below shows the average cost of car insurance in all 12 Southeast states, with only Florida having more expensive car insurance than Louisiana.
|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 36.2% more than New York, 35.7% more than Colorado, 26.5% more than California, 62.7% more than Arizona, and 109.3% 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 2022 Ford Escape in Louisiana costs $2,122 per year. This average rate is:
- $788 per year more expensive than insuring the same vehicle in South Carolina ($1,350)
- $722 per year more expensive than in Georgia ($1,418)
- $950 per year more expensive than in Alabama ($1,194)
- $756 per year more expensive than in Mississippi ($1,384)
- $568 per year more expensive than in Arkansas ($1,570)
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 - $3,564 per year or $297 per month
- Baton Rouge Car Insurance - $2,736 per year or $228 per month
- Shreveport Car Insurance - $2,114 per year or $176 per month
- Lafayette Car Insurance - $2,304 per year or $192 per month
- Lake Charles Car Insurance - $2,238 per year or $187 per month
- Kenner Car Insurance - $2,840 per year or $237 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 $66 and $230 on your annual auto insurance cost, depending on your policy.
- Gender and age are two big factors. For the average 2022 model year vehicle in Louisiana, a 20-year-old man receives an average rate of $4,380 per year, while a 20-year-old female will pay an average of $3,252, a difference of $1,128 per year. The females get the cheaper rate by far. But by age 50, the cost for a male driver is $2,010 and the female rate is $1,972, a difference of only $38.
- Be a responsible driver and save. Having frequent at-fault accidents will raise rates, potentially as much as $3,078 per year for a 20-year-old driver and even $668 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 $940 per year.
- Older drivers pay less than younger drivers. The difference in Louisiana auto insurance rates between a 50-year-old driver ($2,010 per year) and a 20-year-old driver ($4,380 per year) is $2,370, or a difference of 54.1%.