Simply input your ZIP code, and allow us to guide you towards the most beneficial car insurance in your vicinity. We are like detectives of insurance policies, committed to sniffing out the most affordable coverage for you. We diligently compare all available insurers, recommend the optimal deductibles, and tirelessly search for every possible discount. We're here to ensure you get the best deal on your auto insurance!
Simply input your ZIP code, and allow us to guide you towards the most beneficial car insurance in your vicinity. We are like detectives of insurance policies, committed to sniffing out the most affordable coverage for you. We diligently compare all available insurers, recommend the optimal deductibles, and tirelessly search for every possible discount. We're here to ensure you get the best deal on your auto insurance!
Car Insurance in Louisiana
What's the average cost of car insurance in Louisiana and which company has the cheapest car insurance?
How much does car insurance cost in Louisiana?
Let's explore the cost of auto insurance in Louisiana and how it affects your wallet.
Comprehensive car insurance in the state of Louisiana is one of the most expensive in the United States. Although average rates are around $2,458, the final price for your insurance can be hundreds of dollars higher or lower depending on many factors. The most important factor is usually the age of the driver and his place of residence. All insurance companies in Louisiana favor older and experienced drivers who drive for a long time without traffic accidents and traffic offenses. If we add up all the positive factors and bonuses, you can expect annual auto insurance rates lower than $1,721, which corresponds to the monthly expenditure of $205. If you are a low-income person and do not have money for comprehensive car insurance, you can get a minimum auto insurance coverage, which in Louisiana is around $975.
| minimum full coverage premium | average full coverage premium | |
|---|---|---|
| Louisiana | $975 | $2,458 Your Rates? Get Quotes |
| Teen Drivers | $975 | $4,424 Your Rates? Get Quotes |
When deliberating on the best cheap car insurance in Louisiana, there's no definitive answer. Generally speaking, policyholders in Louisiana pay approximately $2,458 yearly for a full coverage premiums; however this number can differ considerably depending on your individual factors such as age and driving record. For example if you are a young driver under 25 years old then be prepared to face premiums of up to $3,933 annually!
On the other hand if you're an experienced motorist with good credit score and clean driving history then full-coverage policies may cost as little as only $1,229 per year. When it comes to finding the most affordable auto insurance in Louisiana, GEICO offers some of the best rates around with an average cost of just $1,770 per year. Mercury is only slightly more expensive at $1,868 while Progressive rings in at close to $2,016 annually. State Farm and Allstate have annual rates approaching roughly $2,163 each year depending on where you live.
Minimum car insurance coverage in Louisiana starts at $975Auto insurance requirements in Louisiana
What does Louisiana law mandate when it comes to vehicle coverage?
Bodily injury liability coverage per accident is set at $30,000 in Louisiana and is therefore among the lowest. However, do not rely on low minimum limits and pay extra for better insurance coverage. In the event of an accident, you will be assured of sufficient financial compensation. Louisiana has some of the lowest limits for the minimum bodily injury liability coverage per person of $15,000. In most cases, this amount is completely insufficient, so it is an absolute minimum, which you should definitely increase given your financial possibilities. If you caused an accident in Louisiana (if you're at fault), your property damage liability insurance coverage can cover up to a total of $25,000 for the other party's vehicle repairs.
| Minimum Coverage Type | Coverage Limits in LA |
|---|---|
| Bodily injury liability per person in Louisiana | $15,000 Get Quotes |
| Bodily injury liability per accident in Louisiana | $30,000 Get Quotes |
| Property damage liability per accident in Louisiana | $25,000 Get Quotes |
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The typical annual cost of car insurance in California is approximately $2,458. Nonetheless, prices can vary depending on your location; in particular for smaller cities and towns the average rates might be as low as $1,229 a year! Moreover, you may want to know that basic liability coverage which meets with all minimum requirements set by state law starts at only $975 a year - this would mean less than sixty dollars each month. Are you curious about how much money could you save? All it takes is entering either the city or zip code in our website search tool...
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