Louisiana Car Insurance Cost for 2022

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 $2,206 per year, which is 42.2% more than the national average rate of $1,551. 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.

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Chart Data Details: Chart shows average Louisiana car insurance rates for 2022 model year vehicles with safe driver and claim-free discounts applied. Full-coverage rates are averaged for all Louisiana zip codes.Data last updated on May 19, 2022
Average Car Insurance Cost in Louisiana
Average Car Insurance Cost in Louisiana
Driver Age Deductible Annual Cost Monthly Cost
20$1,000$3,720$310
$500$4,380$365
$250$5,078$423
30$1,000$1,952$163
$500$2,322$194
$250$2,708$226
40$1,000$1,866$156
$500$2,206$184
$250$2,560$213
50$1,000$1,704$142
$500$2,010$168
$250$2,328$194
60$1,000$1,674$140
$500$1,974$165
$250$2,286$191

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.

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.

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Chart Data Details: Average Louisiana car insurance cost is based on 2022 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.Data last updated on April 2, 2022
Louisiana Car Insurance Rates for Popular Vehicles
Louisiana Car Insurance Rates for Popular Vehicles
Make/Model Annual Rate Monthly Rate
Honda CR-V$1,888$157
Ford Ranger$1,918$160
Toyota RAV4$2,034$170
Ford F150$2,088$174
Toyota 4Runner$2,102$175
Nissan Rogue$2,112$176
Toyota Camry$2,120$177
Toyota Corolla$2,128$177
Honda Civic$2,136$178
Chevrolet Traverse$2,218$185
Honda Accord$2,248$187
Chevrolet Silverado$2,318$193
Ram Truck$2,466$206
Jeep Wrangler$2,478$207
Chevrolet Corvette$2,700$225

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 Impreza, 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 $1,912 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 Cost Monthly Cost
1Mazda CX-5$1,636$136
2Nissan Kicks$1,684$140
3Chevrolet Trailblazer$1,694$141
4Honda Passport$1,726$144
5Subaru Crosstrek$1,728$144
6Chevrolet Colorado$1,776$148
7Buick Encore$1,784$149
8Toyota C-HR$1,784$149
9Nissan Rogue Sport$1,798$150
10Buick Envision$1,830$153
11Hyundai Venue$1,834$153
12Kia Seltos$1,838$153
13Acura RDX$1,844$154
14Subaru Ascent$1,844$154
15Ford Maverick$1,846$154
16Toyota Corolla Cross$1,852$154
17Subaru Forester$1,860$155
18Mazda MX-5 Miata$1,864$155
19Hyundai Kona$1,868$156
20Subaru Impreza$1,870$156
21Volkswagen Tiguan$1,872$156
22Cadillac XT4$1,888$157
23Chevrolet Spark$1,888$157
24Honda CR-V$1,888$157
25Mazda CX-30$1,908$159
26Ford Ranger$1,918$160
27Ford Edge$1,938$162
28Honda HR-V$1,944$162
29Ford Ecosport$1,956$163
30Subaru Outback$1,972$164
31Chevrolet Trax$1,982$165
32Acura ILX$1,984$165
33GMC Terrain$1,984$165
34Mitsubishi Eclipse Cross$1,990$166
35Nissan Murano$2,000$167
36Toyota Tacoma$2,000$167
37Hyundai Tucson$2,004$167
38Honda Odyssey$2,010$168
39Chevrolet Bolt$2,014$168
40Toyota Venza$2,014$168
41Chevrolet Equinox$2,016$168
42Ford Explorer$2,022$169
43Volkswagen Taos$2,022$169
44Fiat 500X$2,030$169
45Toyota RAV4$2,034$170
46Kia Sorento$2,040$170
47Kia Soul$2,046$171
48Nissan Frontier$2,052$171
49Hyundai Palisade$2,060$172
50Volvo XC40$2,068$172

    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.Data last updated on March 24, 2022
    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 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.

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    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
    North Carolina$944-$1,212
    Virginia$958-$1,198
    Tennessee$1,178-$978
    Alabama$1,212-$944
    West Virginia$1,338-$818
    South Carolina$1,372-$784
    Mississippi$1,404-$752
    Georgia$1,440-$716
    Arkansas$1,590-$566
    Kentucky$1,730-$426
    Louisiana$2,156--
    Florida$2,174$18

    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, 26.3% 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:

    • $786 per year more expensive than insuring the same vehicle in South Carolina ($1,350)
    • $720 per year more expensive than in Georgia ($1,418)
    • $948 per year more expensive than in Alabama ($1,194)
    • $754 per year more expensive than in Mississippi ($1,384)
    • $562 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.

    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 $3,250, a difference of $1,130 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 $948 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%.