Louisiana Car Insurance FAQ - Quick Answers

The annual average cost of Louisiana car insurance is $1,774, coming in more expensive than the national average of $1,311 per year. If you're looking for the lowest auto insurance, connect with a local adviser for multiple quotes.

In Louisiana, you'll have car insurance coverages to choose from under the following limits:

  • Bodily injury liability: Pays for medical expenses of others.
  • Property damage liability: Pays for property damage of others.
  • Medical payments: Pays for your medical expenses.
  • Uninsured/underinsured motorist: Pays for an accident involving an uninsured/underinsured motorist.
  • Gap: Pays for the difference between your auto loan and the market value of a totaled vehicle.
  • Comprehensive: Pays for an unavoidable collision with an object or animal
  • Collision: Pays for a collision with a vehicle, object, or animal that could have been avoidable.
  • Roadside assistance: Pays for a tow or replacing a flat tire. 
  • Rental car: Pays for a replacement vehicle due to a covered claims.

Louisiana liability car insurance is what you must have in order to use the roadways. The amount of liability coverage is $15,000 in bodily injury per person, $30,000 in bodily injury per accident, $25,000 in property damage. 

In Louisiana, 13% of all drivers are uninsured. This means that you're at risk without uninsured motorist coverage, which helps protect you from an accident with an uninsured driver.

If you're searching for the best car insurance, there are numerous options. In Louisiana, Safeco, Stillwater, and Prime insurance companies are rated among the highest. These carriers are most known for their excellent claims service and broad coverage offerings.

In Louisiana, you are required to carry the state minimum liability limits in order to use the roadways. The least amount you must have is $15,000 per person/$30,000 per accident/$25,000 in property damage.

Do You Know What Your Louisiana Car Insurance Covers?

Find the Best Car Insurance in Your City

How does your city measure up to the national average?

National average time spent commuting 26.9 Min

National average car thefts per 1,000 2.3 Year

National average car insurance cost $1,311 Year

CityCommute time (min)Auto thefts / 1,000Annual insurance cost
Baton Rouge21.33.62$2,043
Lake Charles17.22.9$1,980
New Iberia22.72.33$2,265
New Orleans24.27.48$2,170
Oakdale26.21.15 $1,711
Shreveport19.13.45 $1,533
West Monroe16.33.32$1,637