Car Insurance Quotes Louisiana

Car Insurance Quotes Louisiana

In Louisiana, maintaining car insurance is not merely a suggestion; it is a legal obligation that ensures the safety and financial protection of all road users. The state mandates specific minimum coverage requirements that each driver must adhere to to operate legally.

To ensure adequate protection for all drivers, Louisiana law requires drivers to carry minimum levels of car insurance. Specifically, these requirements include Bodily Injury Liability and Property Damage Liability, which are key in cases of accidents. For Bodily Injury Liability, drivers must have coverage of $15,000 per person and $30,000 per accident. This means that if a driver causes an accident resulting in injuries, their insurance will cover up to $15,000 for each injured party, with a total maximum payout of $30,000 per accident. Property Damage Liability must be at least $25,000 per accident. This coverage is meant to pay for damages that the driver inflicts on someone else’s property during an accident.

The costs associated with car insurance in Louisiana are notably higher than the national average. For the year 2025, the average annual premium is projected to be approximately $3,330, which is 51% greater than the national average. This uptick in premiums can be attributed to several factors, including demographic variables such as age, geographical location, and the individual driving history of each policyholder. Historical data indicates that these averages fluctuate considerably; for instance, the average premium was $2,793 in 2024, reflecting a steady increase over the prior years. This trend highlights the necessity for drivers to actively seek out affordable insurance options to avoid excessive financial burdens.

Despite the high costs, Louisiana drivers have various options to potentially lower their insurance premiums. Several discounts may be available, including those for having anti-theft devices, maintaining continuous insurance coverage, and achieving milestones such as three years of safe driving or five years without an accident. These discounts can significantly alleviate the financial burden on drivers, making it important to inquire with insurance providers about eligibility for such programs.

READ ALSO; Car Insurance Quotes USAA

What car insurance is required in Louisiana?

Driving without insurance is a great offense in Louisiana. In Louisiana, drivers must have car insurance coverage for

• Bodily Injury to others
• Property damage liability

The minimum amount of car insurance that drivers in Louisiana must have for certain coverages is displayed in this chart.

Coverage                                     Amount
Bodily Injury to Others………….. $15,000 per person and $30,000 per accident
Property Damage Liability…….. $25,000 per accident

What Is The Average Cost of Car Insurance In Louisiana?

The average price of car insurance in Louisiana in 2025 will be $3,330. Compared to the national average, that is 51% greater. Naturally, several variables, such as your age, residence, and driving record, will affect the cost of car insurance.

Year             Avg. Annual Premium — Louisiana       Yearly Change — Louisiana
2024…………..$2,793……………………………………………………. $197
2023…………..$2,596…………………………………………………….. -$106
2022…………..$2,702……………………………………………………. -$563
2021……………$3,265……………………………………………………. $961
2020…………..$2,304……………………………………………………..2,262
2018…………..$2,368………………………………………………………$572

How do I lower My car insurance cost in Louisiana?

To lower your car insurance cost in Louisiana, you may qualify for the following discounts:

• Anti-theft device
• Continuous insurance
• Multi-car
• Three-year safe driving
• Five-year accident-free
• Paperless
• Online quote

What Factors Does Louisiana Law Allow in Determining Your Premiums?

When calculating your premium rates, insurance companies take into account several factors. Because of the volatility that can result from this process, your insurance prices may fluctuate significantly. These are the things insurance companies take into consideration.

• Driver driving history, including any fines or accidents
• Driver age. Your premiums will probably be higher the younger you are.
• The zip code in which you reside. Insurance premiums are usually higher for those with high accident rates.
• Driver credit rating.
• The car model. Compared to a sports car, a safer vehicle is less likely to have expensive insurance.
• Your gender. Particularly when they are younger, male drivers mostly pay more.
• Your marital status.
• The history of your claims. The number of insurance claims you have filed in the past is another common factor in determining the premiums you must pay. The more claims you have filed, the higher your premiums are likely to be.

Louisiana Registration Information

To register by mail, all paperwork and funds must be sent at the same time. The following things are necessary:

• Application for title (DPSMV 1799), which includes the owner’s current physical address in Louisiana. The postal address must be displayed as a mail-to address if it is an out-of-state address or a post office box. On the application, the driver’s license number or, for businesses, the Federal EIN must be listed. For motorized vehicles, the liability insurance declaration needs to be signed.
• Check or money order made payable to the Department of Public Safety to cover fees and/or taxes.
• Military personnel should submit proof they are in military service.

Louisiana drivers not only comply with legal requirements but also enhance their overall protection on the road.  For additional information, visit this website

RELATED ARTICLE; 

Car Insurance Quotes State Farm