Popular QuestionsPopular Questions About Louisiana Car Insurance

How much does Louisiana car insurance cost? $1,774

Louisiana car insurance rates are among the highest in the nation, but independent insurance agents can help you find the best rates on the coverage you need. 

The average cost for car insurance nationwide is $1,311. In Louisiana, residents pay an average of $1,774 per year. You'll get the best rates if you compare quotes from multiple companies before you choose a policy.

Louisiana car insurance cost by state chart.
What does Louisiana car insurance actually do for me?

Even the best Louisiana drivers sometimes find themselves involved in an accident. If you are involved in a collision, here are some ways that your car insurance will help...

  • Fix Your Car - Not required. We officially call this "comprehensive & collision coverage" and though it is not required by the state, it may be required by your lender. 
  • Fix Someone Else's Car – Required/Min. $25,000. We officially call this "property damage liability." 
  • Pay Your Medical Bills –Not Required. We officially call this "personal injury protection" or "PIP." 
  • Pay Someone Else's Med Bills – Required/Min. $30,000. We officially call this "bodily injury liability."

Louisiana drivers are required to have car insurance, and it's a smart investment. If you cause an accident, your insurance will cover the cost for the other driver's car repairs and medical expenses.

Who pays if the accident wasn't my fault?

The driver who caused the accident is responsible for covering the cost of damages.

How many Louisiana drivers are uninsured: 13.9%

Car insurance works only if you have the right coverage. But far too often, people drive without any insurance. This can lead to financial disaster if they cause an accident. 

Adding uninsured motorist coverage to your insurance policy is a smart way to protect yourself in case you are hit by an uninsured driver. This policy will pay to fix your car, and it even covers medical bills if you are hurt in an accident with an uninsured driver at fault.

Which are the best insurance companies in Louisiana?

An independent insurance agent compares multiple companies to find the best policy for your needs. 

metlife auto & home
safeco insurance

InformationFind the Best Insurance in Your City

Which are the best insurance companies in Louisiana? An independent insurance agent compares multiple companies to find the best policy for your needs. Now, let's take a quick peek at what’s going on in your city. 

Insurance companies look at a lot of factors when determining car insurance costs. One of many factors is location. Crime rates and the amount of time you spend driving your car will also factor into how much your car insurance will cost.

How does your city measure up to the national average?

  •  National average car insurance cost - $1311 / year 
  • National average car thefts per 1,000 - 2.37 
  • National average time spent commuting - 25.4 min 


CityCommute time (min)Auto theft rate per 1,000Annual insurance costMonthly insurance cost
Gonzales25.92.59$1,727$144
Leesville21.72.71$1,156$96
Westwego26.81.64$1,707$142
Breaux Bridge28.91.21$1,750$146
Rayne19.50.99$1,663$139
Oakdale23.01.15$1,711$143
Donaldsonville19.82.36$1,727$144
Tallulah12.00.28$1,580$132
Plaquemine25.10.99$1,635$136
New Orleans22.46.75$2,170$181
Baton Rouge22.02.16$2,043$170
Shreveport17.92.47$1,533$128
Lafayette18.43.25$1,683$140
Lake Charles16.82.69$1,980$165
Slidell26.82.10$1,766$147
Central28.30.69$1,824$152
Ruston13.70.85$1,610$134
Sulphur17.52.63$1,798$150
Hammond24.84.47$1,786$149
Natchitoches13.11.36$1,626$136
Gretna23.11.35$2,118$176
Opelousas17.43.02$1,669$139
Zachary25.61.51$1,970$164
Thibodaux22.20.48$1,660$138
Pineville19.93.20$1,736$145
Baker22.81.81$2,002$167
Crowley18.26.94$1,672$139
Minden18.91.11$1,566$131
Kenner22.92.01$1,774$148
Bossier City17.62.50$1,505$125
Monroe12.44.51$1,568$131
Alexandria19.74.99$1,620$135
Houma20.11.85$2,170$181
New Iberia19.12.33$2,265$189
Morgan City21.61.08$1,654$138
Abbeville22.71.20$1,657$138
Bogalusa23.23.60$1,833$153
Mandeville27.40.33$1,709$142
Bastrop22.93.59$1,637$136
DeRidder22.50.09$1,643$137
Eunice23.02.33$1,669$139
Jennings23.40.79$1,827$152
Denham Springs22.61.36$1,970$164
Harahan22.41.18$2,144$179
Walker29.31.26$1,956$163
Covington25.31.69$1,709$142
Franklin21.40.69$1,654$138
Youngsville27.01.14$1,766$147
West Monroe14.82.85$1,637$136

Gonzales, LA Car Insurance 

Residents of Gonzales pay an average of $144 per month for their auto insurance. Your rate will depend on several variables like the type of car you drive, your age, and your driving record, so it may be significantly higher or lower than the average.

Commute times have a big impact on car insurance rates in Louisiana. In Gonzales, the average driver's commute is slightly longer than the national average, which could cause a minor increase in your insurance cost. 

If you live in a dangerous area, you have a higher risk for car theft or vandalism. This could also mean a spike in your auto insurance rates. Fortunately, auto theft rates in Gonzales are a little lower than the national average, so your rates could see a slight decrease.

Westwego, LA Car Insurance

Residents of Westwego pay an average of $142 per month for their auto insurance coverage. Car insurance rates are unique for each driver. How much you play for insurance in Westwego will depend on a number of factors such as the make and model of your car, your age, and your driving history. 

Long commutes are never fun, and they tend to cause car insurance rates to increase. Fortunately, Westwego drivers have commutes that are only slightly longer than the national average, so it shouldn't cause a major increase in your rates. 

In cities with high crime rates, drivers face a higher risk for auto theft. The good news is that Westwego has theft rates that are much lower than the national average, which should help reduce your cost for adding comprehensive coverage to your auto insurance policy.

Breaux Bridge, LA Car Insurance 

The average monthly cost of auto insurance in Breaux Bridge is $146. Your actual monthly cost might be significantly higher or lower than this amount. Your rate will be calculated based on several factors like the kind of car you drive, your age, and the amount of your deductible. 

When you spend a lot of time on the road, you have a higher likelihood for accidents. That's why long commutes tend to drive up rates on auto insurance. In Breaux Bridge, the commute time for drivers is a little longer than the national average, which might cause a slight increase in your monthly rate. 

If you live in a high-crime area, you're more likely to encounter problems with auto theft and vandalism. In Breaux Bridge, auto theft isn't as common as in most cities, which may help lower your cost for adding comprehensive coverage to your auto insurance policy.

Rayne, LA Car Insurance 

Residents of Rayne pay an average of $139 per month for their auto insurance coverage. A variety of factors influence your rates for auto insurance so your monthly cost might be significantly higher or lower than this amount. Your rates will be calculated according to such things as your vehicle’s age, make and model; your driving history; and the amount of your deductible. 

When you spend more time on the road, you run a higher risk for accidents. Rayne drivers have much shorter commute times than the average national driver. That's good news because for most residents, it helps keep insurance rates more affordable. 

Every driver should take precautions to prevent auto theft, but sometimes it's just unavoidable. Fortunately, auto theft is less common in Rayne than in many cities across Louisiana, which may help decrease insurance costs when you add comprehensive coverage to your policy.

Oakdale, LA Car Insurance

The average monthly cost for auto insurance in Oakdale is $143. You can expect to pay considerably more or less than the average depending on several factors. Rates vary among drivers because they are calculated using several variables like the number of drivers in your home, the amount of coverage you are purchasing, and your driving history. 

If you're logging high mileage on commutes, you face a higher risk for accidents. That's why long commute times tend to drive up insurance costs. In Oakdale, the commute time for drivers is slightly shorter than the national average, which could help keep rates lower. 

Car theft is a problem nationwide, but in Oakdale, it's incredibly rare. This low auto theft rate might help you score lower rates for adding comprehensive coverage to your car insurance policy.

Donaldsonville, LA Car Insurance

The average monthly cost for auto insurance in Donaldson is $144. The calculated cost for car insurance is unique for every driver. Rates are based on a number of factors such as your car’s make and model, your driving history, your age, and the amount of coverage you are purchasing. 

The more time you spend behind the wheel, the more likely you are to get into an accident. In Donaldsonville, drivers have shorter average commutes, which might help you get a lower rate on auto insurance. 

Insurance rates tend to be higher in high crime areas. Auto theft rates in Donaldsonville are lower than the national average, which may help decrease your monthly cost for auto insurance.

Tallulah, LA Car Insurance 

Residents of Tallulah pay an average of $132 per month for their auto insurance coverage. How much you pay for your coverage will depend on several variables such as your age, your driving record, they type of vehicle you are insuring, and the amount of your deductible. Your actual cost could therefore be considerably higher or lower than average. 

Long commutes drive up rates on auto insurance. The good news is that Tallulah drivers spend much less time traveling to and from work than drivers in most cities, and this could help you score lower rates on your coverage. 

Thanks to the city’s low auto theft rate, Tallulah drivers don't have to worry quite as much about stolen vehicles. Car theft is pretty rare in this area, and could help decrease your costs for adding comprehensive coverage to your auto policy.

Plaquemine, LA Car Insurance

Residents of Plaquemine pay an average of $136 per month for their auto insurance coverage. Your actual monthly cost could be significantly higher or lower than this amount as it will be calculated according to several factors such as what kind of car you drive, your age, your driving record, and the amount of your deductible. 

Simply put, longer commutes put you at an increased risk for car accidents. In Plaquemine, the commute times for drivers are slightly shorter than the national average, which helps keep insurance rates affordable for most of this city’s residents. 

When you live in an area that is prone to frequent crime, your car insurance rates tend to be higher. Fortunately, car theft is pretty rare in Plaquemine, and this could help you see some savings on your car insurance coverage.