Car Insurance in Louisiana
Louisiana requires drivers to carry at least 15/30/25 in liability coverage — one of the lower bodily injury minimums in the country. As an at-fault state, the driver who causes a crash is responsible for the other party’s injuries and damage.
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Louisiana at a glance
Data as of 2023Average cost
$1,754/yr
≈ $146/mo
vs U.S. average
+37%
above the national avg of $1,282/yr
Required minimums
15/30/25
BI / BI per accident / PD ($K)
Source: NAIC (2023). Annual average expenditure per insured vehicle.
Louisiana requires drivers to carry at least 15/30/25 in liability coverage — one of the lower bodily injury minimums in the country. As an at-fault state, the driver who causes a crash is responsible for the other party’s injuries and damage.
Because the bodily injury minimum is low, a serious accident can exceed it quickly, so many Louisiana drivers carry higher limits. Comparing quotes is the best way to find affordable coverage.
Louisiana minimum car insurance requirements
Louisiana requires $15,000 of bodily injury liability per person, $30,000 per accident, and $25,000 in property damage liability. The low bodily injury minimum makes higher limits worth considering, and lenders require collision and comprehensive on financed vehicles.
Among the lower bodily injury minimums in the country (15/30).
How much does car insurance cost in Louisiana?
The average driver in Louisiana pays $1,754 per year for auto insurance — that's 37% above the U.S. national average of $1,282/yr. Higher-than-average rates often reflect denser traffic, higher claim severity, or stricter state coverage requirements.
Louisiana vs the national average
37% above the national average of $1,282/yr.
Source: NAIC (2023). Annual average expenditure per insured vehicle.
How Louisiana premiums have changed since 2019
Auto insurance costs in Louisiana have risen 12% over the past five years. The 2022–2023 jump mirrors a national trend: rising repair costs (vehicle complexity and parts inflation), more frequent severe accidents, and higher litigation costs pushed premiums up faster than overall inflation.
5-year trend: Louisiana vs national average
Louisiana is up 12% from $1,560 in 2019 to $1,754 in 2023.
Source: NAIC Auto Insurance Database Report (2022/2023), Table 4 — Average Expenditure.
Types of car insurance coverage
A Louisiana policy is built from a few core coverages. Liability is required; the rest are optional but often worth it.
| Coverage | What it covers | Required? |
|---|---|---|
| Liability | Injuries and property damage you cause to others | Required (state minimum) |
| Collision | Repairs to your own car after a crash | Optional* |
| Comprehensive | Theft, fire, weather, vandalism, animal strikes | Optional* |
| Uninsured motorist | Your costs if the at-fault driver has no insurance | Varies by state |
*Collision and comprehensive are usually required by your lender if you lease or finance your vehicle.
Driving without car insurance in Louisiana
Driving uninsured in Louisiana can be costly. Penalties typically include fines, suspension of your license and registration, and reinstatement fees. If you cause an accident while uninsured, you can also be held personally responsible for the other party's injuries and damage. You may also be required to file an SR-22 certificate to reinstate your license.
How to find cheaper car insurance in Louisiana
Rates for the same driver can vary widely between insurers in Louisiana, so comparing several quotes is the most effective way to save. A few other ways to lower your premium:
- Raise your deductible if you can cover it in a claim
- Ask about every discount you qualify for
- Keep a clean driving record and good credit (where the state allows it as a rating factor)
- Reconsider collision and comprehensive on an older vehicle
For more, see our guides on how to lower your premium and what affects your rate.
Coverage requirements last verified May 28, 2026. Always confirm current minimums with your state’s Department of Insurance.
Louisiana car insurance FAQs
Common questions about auto insurance in Louisiana
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