Louisiana Car Insurance Cost for 2023

• Louisiana car insurance rates average $2,100 per year for a full coverage policy, or about $175 per month.
• Cheaper car insurance rates can be found on SUVs like the Chevrolet Trailblazer and Subaru Crosstrek, and cars like the Subaru Impreza, Volkswagen Jetta, and Subaru Legacy.
• Louisiana ranks 11^th in the Southeast region out of 12 states for car insurance affordability and ranks 48^th out of all 50 states.

How much does car insurance cost in Louisiana?

Average car insurance cost in Louisiana is $2,100 per year, which is 21.9% 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.

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.

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 $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.

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.

• Compact car – Subaru Impreza insurance at $1,738 per year or $145 per month
• Compact SUV – Chevrolet Trailblazer insurance at $1,586 per year or $132 per month
• Midsize car – Subaru Legacy insurance at $1,932 per year or $161 per month
• Midsize SUV – Honda Passport insurance at $1,630 per year or $136 per month
• Full-size car – Chrysler 300 insurance at $2,044 per year or $170 per month
• Full-size SUV – Chevrolet Tahoe insurance at $1,964 per year or $164 per month
• Midsize pickup – Ford Maverick insurance at $1,744 per year or $145 per month
• Full-size pickup – Nissan Titan insurance at $2,078 per year or $173 per month
• Heavy duty pickup – GMC Sierra 2500 HD insurance at $2,150 per year or $179 per month
• Minivan – Honda Odyssey insurance at $1,918 per year or $160 per month
• Sports car insurance – Mazda MX-5 Miata insurance at $1,938 per year or $162 per month
• Compact luxury car insurance – Acura Integra insurance at $1,884 per year or $157 per month
• Compact luxury SUV – Acura RDX insurance at $1,752 per year or $146 per month
• Midsize luxury car – Cadillac CT5 insurance at $2,258 per year or $188 per month
• Midsize luxury SUV – Lexus RX 350 insurance at $1,878 per year or $157 per month
• Full-size luxury car – Audi A5 insurance at $2,356 per year or $196 per month
• Full-size luxury SUV – Volvo XC90 insurance at $2,166 per year or $181 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.

Is car insurance expensive in Louisiana?

Yes. When compared to the three states that share a border, average Louisiana car insurance cost is 24.7% more expensive than Texas, 12.9% more expensive than Arkansas, and 19.8% more expensive than Mississippi.

When compared to all states in the Southeast region of the U.S., Louisiana car insurance cost ranks 11^th out of 12 total comparison states. The chart below shows the average cost of car insurance in all 12 Southeast states.

When compared to states in other parts of the country, the cost of car insurance in Louisiana is 2.8% more than New York, 10.4% more than Colorado, 1.6% less than California, 25.9% more than Arizona, and 65.7% 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.

• New Orleans Car Insurance - $3,058 per year or $255 per month
• Baton Rouge Car Insurance - $2,370 per year or $198 per month
• Shreveport Car Insurance - $1,852 per year or $154 per month
• Lafayette Car Insurance - $2,012 per year or $168 per month
• Lake Charles Car Insurance - $1,952 per year or $163 per month
• Kenner Car Insurance - $2,458 per year or $205 per month
• Bossier City Car Insurance - $1,728 per year or $144 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 $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 74.4%.