Louisiana Car Insurance Cost for 2023

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 $2,100 per year, which is 24.6% more than the national average rate of $1,685. Car insurance in Louisiana per month costs an average of $175 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 2023 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 December 30, 2022
Average Car Insurance Cost in Louisiana
Average Car Insurance Cost in Louisiana
Driver Age Deductible Annual Cost Monthly Cost
20$1,000$3,538$295
$500$4,178$348
$250$4,854$405
30$1,000$1,854$155
$500$2,214$185
$250$2,586$216
40$1,000$1,772$148
$500$2,100$175
$250$2,440$203
50$1,000$1,616$135
$500$1,912$159
$250$2,220$185
60$1,000$1,586$132
$500$1,874$156
$250$2,178$182

As shown in the chart, the average cost of car insurance in Louisiana ranges from $1,586 per year for a 60-year-old driver with a policy with high deductibles to $4,854 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 $132 to $405 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 $5,290 per year for a 19-year-old female driver up to $7,518 per year for a 16-year-old male driver.

Car insurance in Louisiana will cost $6,250 to $7,032 to insure 17-year-old drivers and $5,700 to $6,568 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 $1,930 per year, the Ford F-150 at $2,134, the Jeep Cherokee at $2,282, the Toyota Tacoma at $1,920, and the Honda Civic at $2,054 per year.

Popular luxury models like the Mercedes-Benz C300, the Acura RDX, and the Lexus NX 300 cost an average of $2,318, $1,752, and $1,988 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 2023 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 December 30, 2022
Louisiana Car Insurance Rates for Popular Vehicles
Louisiana Car Insurance Rates for Popular Vehicles
Make/Model Annual Rate Monthly Rate
Honda CR-V$1,706$142
Ford Ranger$1,790$149
Nissan Rogue$1,856$155
Toyota RAV4$1,860$155
Toyota 4Runner$1,882$157
Toyota Corolla$1,890$158
Toyota Camry$1,910$159
Chevrolet Traverse$1,922$160
Honda Civic$1,970$164
Honda Accord$2,034$170
Ford F150$2,044$170
Ram Truck$2,200$183
Chevrolet Silverado$2,212$184
Jeep Wrangler$2,248$187
Chevrolet Corvette$2,452$204

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 Chevrolet Trailblazer, Subaru Crosstrek, Buick Envision, and Buick Encore. Average car insurance prices for those vehicles cost $1,680 or less per year for full coverage.

Other vehicles that rank towards the top in our auto insurance cost comparison are the Subaru Forester, Acura RDX, Subaru Impreza, and Hyundai Venue.

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 $1,778 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
1Chevrolet Trailblazer$1,528$127
2Subaru Crosstrek$1,536$128
3Nissan Kicks$1,544$129
4Honda Passport$1,554$130
5Mazda CX-5$1,570$131
6Nissan Rogue Sport$1,572$131
7Buick Envision$1,604$134
8Buick Encore$1,606$134
9Subaru Ascent$1,626$136
10Kia Seltos$1,630$136
11Hyundai Venue$1,650$138
12Subaru Impreza$1,664$139
13Acura RDX$1,674$140
14Chevrolet Colorado$1,676$140
15Ford Maverick$1,678$140
16Honda HR-V$1,686$141
17Hyundai Kona$1,688$141
18Subaru Forester$1,688$141
19Ford Edge$1,700$142
20Ford Explorer$1,702$142
21Honda CR-V$1,706$142
22Mazda CX-30$1,712$143
23Volkswagen Atlas$1,712$143
24Nissan Murano$1,726$144
25Subaru Outback$1,728$144
26Nissan Frontier$1,738$145
27Chevrolet Trax$1,740$145
28Volkswagen Tiguan$1,746$146
29Ford Bronco Sport$1,752$146
30GMC Terrain$1,784$149
31Lexus RX 350$1,786$149
32Fiat 500X$1,788$149
33Ford Ranger$1,790$149
34Mitsubishi Eclipse Cross$1,790$149
35Volkswagen Atlas Cross Sport$1,796$150
36Acura Integra$1,802$150
37Kia Soul$1,802$150
38Cadillac XT4$1,812$151
39Toyota Corolla Cross$1,812$151
40Chevrolet Equinox$1,816$151
41Volkswagen Taos$1,828$152
42GMC Canyon$1,830$153
43Toyota Venza$1,830$153
44Mazda CX-50$1,832$153
45Honda Odyssey$1,836$153
46Volvo XC40$1,836$153
47Toyota Tacoma$1,838$153
48Kia Sorento$1,842$154
49Hyundai Tucson$1,846$154
50Ford Escape$1,848$154

    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 December 29, 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 28.2% more expensive than Texas, 13.8% more expensive than Arkansas, and 22% 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.

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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$1,100-$1,000
    Virginia$1,174-$926
    South Carolina$1,480-$620
    West Virginia$1,572-$528
    Alabama$1,586-$514
    Tennessee$1,678-$422
    Mississippi$1,722-$378
    Georgia$1,802-$298
    Arkansas$1,846-$254
    Kentucky$1,888-$212
    Louisiana$2,100--
    Florida$2,196$96

    When compared to states in other parts of the country, the cost of car insurance in Louisiana is 2.8% more than New York, 11% more than Colorado, 1.6% less than California, 29.8% more than Arizona, and 97.7% 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 2023 Ford Escape in Louisiana costs $1,924 per year. This average rate is:

    • $570 per year more expensive than insuring the same vehicle in South Carolina ($1,354)
    • $272 per year more expensive than in Georgia ($1,652)
    • $470 per year more expensive than in Alabama ($1,454)
    • $346 per year more expensive than in Mississippi ($1,578)
    • $232 per year more expensive than in Arkansas ($1,692)

    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 $63 and $212 on your annual auto insurance cost, depending on your policy.
    • Gender and age are two big factors. For the average 2023 model year vehicle in Louisiana, a 20-year-old man receives an average rate of $4,178 per year, while a 20-year-old female will pay an average of $3,098, a difference of $1,080 per year. The females get the cheaper rate by far. But by age 50, the cost for a male driver is $1,912 and the female rate is $1,872, a difference of only $40.
    • Be a responsible driver and save. Having frequent at-fault accidents will raise rates, potentially as much as $2,938 per year for a 20-year-old driver and even $640 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 $634 per year.
    • Older drivers pay less than younger drivers. The difference in Louisiana auto insurance rates between a 50-year-old driver ($1,912 per year) and a 20-year-old driver ($4,178 per year) is $2,266, or a difference of 54.2%.