- Car Insurance
- Auto Insurance by State
- Louisiana Car Insurance
Get a Louisiana car insurance quote
You could save over $700 on auto insurance when you switch to Liberty Mutual1
Buying auto insurance in Louisiana
Need car insurance in Louisiana? Whether you live in the Crossroads or New Orleans, Liberty Mutual Insurance can help you save on car insurance! From Liability Protection to Comprehensive Coverage, we've got you covered. We'll help you customize your Louisiana auto insurance, so you only pay for what you need.
Louisiana drivers could save money with these auto insurance discounts
Buy your policy online and save. It's that simple.2
Learn more about SavingsConvenience and savings — need we say more? Combine your policies and get a discount.2
Learn about Bundle and Save Discounts and moreGet rewarded for your good driving behavior by saving up to 30% on your policy.3
Save with our safe driver programLouisiana minimum car insurance requirements (15/30/25)
It's illegal to drive without car insurance in Louisiana. To drive legally, you need to have at least the following coverage amounts and minimums in Louisiana.4
Coverage type | State requirements |
|---|---|
| Bodily Injury to Others Coverage | $15,000 per person and $30,000 per accident |
| Property Damage Liability Coverage | $25,000 per accident |
Find more information through the Louisiana Department of Insurance.
Average car insurance cost in Louisiana, 2026
According to 2026 data, the average cost of “full” coverage car insurance in Louisiana is about $2,148 per year.
Louisiana drivers often pay more, or less, depending on their coverages, car, age, driving record, and where they live.
Who offers cheap insurance in Louisiana?
Finding the cheapest car insurance in Louisiana may sound great, but a low-cost policy may not pay out when you need it.
You want car insurance that's affordable, and dependable if you have an accident. Trusted for over 100 years, we have the experience and stability to back you up.
A Liberty Mutual auto insurance policy can cost less than you think.5
- $1,121 lower than GEICO
- $997 lower than Progressive
- $1,161 lower than State Farm
- $1,158 lower than Allstate
Louisiana car insurance FAQs
- There's no single way to lower your car insurance premium, but there are several small steps you can take to try to minimize your costs. To start with, you can bundle your Louisiana auto policy with Liberty Mutual home or renters' insurance. Check out all the discounts we have to help you save on auto insurance.
Several factors can influence the cost of car insurance in Louisiana. One of the most important is your driving record. Tickets, violations, and at-fault accidents may lead to higher rates, while a clean driving history may help keep costs lower.
Insurance companies may also consider your age, driving experience, the make and model of your vehicle, and where you live. For example, drivers in more densely populated or urban areas in Louisiana may pay more for auto insurance due to heavier traffic and a higher likelihood of claims.
The best car insurance in Louisiana depends on your individual needs, budget, and driving history. For some drivers, the best policy is the one with the lowest premium. For others, it may be a policy with higher liability limits, Comprehensive and Collision Coverage, or optional protections like 24-Hour Roadside Assistance.
When comparing Louisiana car insurance, it can help to look at coverage options, discounts, customer service, and how well a policy fits your vehicle and driving habits.
- In Louisiana, it may be possible to get car insurance without a valid driver's license, but options are often limited and vary by insurer. Insurance companies usually ask for a license number because it is tied to your driving record and helps determine your rate. If you own a vehicle but do not have a valid license, some insurers may allow you to insure it by listing a licensed household member as the primary driver. Drivers with a learner's permit are often added to an existing policy, while drivers with a suspended license may face more limited coverage options.
Car insurance in Louisiana tends to be expensive because several risk factors can drive up rates. These may include severe weather events such as hurricanes and flooding, a high number of claims, accident litigation cases, and uninsured drivers on the road. Together, these factors can increase the overall cost of auto insurance across the state.
Louisiana has also passed legislation aimed at addressing insurance costs, though the effect on rates may vary over time.
- No. Louisiana is an at-fault state, meaning the at-fault driver is liable for the cost of injuries and property damage. Unfortunately, if the driver is uninsured, it's difficult to collect those damages. Liberty Mutual offers Uninsured/Underinsured Motorist Coverage to protect you in that scenario.