Buy Cheap Louisiana Auto Insurance in 2023

Louisiana car insurance protects you financially if you get in an accident or incident resulting in vehicle damage. The minimum auto insurance required by the state varies, but car insurance is mandatory for all Louisiana drivers, and it’s important to have it to avoid fines and penalties.

The law requires you purchase minimum liability coverage to protect you against property damage and bodily injury claims when you’re at fault in an accident. You can also purchase additional coverage for the costs of medical treatment, lost income, and other accident-related expenses.

It’s important to understand that Louisiana doesn’t require drivers to have collision or comprehensive insurance coverages. However, these coverages may be required if you lease a vehicle or finance it through a bank or credit union. Optional coverages aren’t mandatory if you own your car outright.

Cheapest Car Insurance in Louisiana for Minimum Liability

Auto insurance is substantially less expensive if you choose a liability auto insurance policy at the state minimum instead of full coverage. Minimum coverage in Louisiana typically costs $66 per month or $795 annually, saving you $2,500 compared to full coverage.

Cheapest Auto Insurance in Louisiana for Full Coverage

Full coverage auto insurance costs more. USAA’s prices are the most affordable at $1,789 annually or $149 monthly.

USAA auto insurance is a great company to use as a resource when comparing insurance quotes.

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Cheap Auto Insurance in Louisiana With Poor Credit

Your credit history significantly influences your insurance rates. People with low credit scores are sometimes viewed as higher risk, resulting in higher costs on auto insurance for drivers with bad credit.

Drivers in Louisiana with bad credit often pay 55% more annually than those with excellent credit. View some typical rates broken down by credit tier below.

As you work on your credit score, better rates will follow in just about any situation.

Cheap Car Insurance in Louisiana With an At-Fault Accident

Your driving history has a significant impact on the cost. Car insurance rates change after a car accident, especially if you are at-fault. To determine the risk level you offer as a client, insurance firms check for prior at-fault accidents. Recent at-fault accidents may cause an $76 increase in your annual auto insurance rates.

If you’re at fault for a car accident, full coverage can significantly help in an emergency situation. At-fault accidents will always cost you, but there are ways to make them less painful.

Cheap Insurance in Louisiana for Young Drivers

Young drivers — between 16 and 25 — pay exceptionally high auto insurance rates, with those between 16 and 19 paying the most on auto insurance for teenage drivers.

Due to the risk novice drivers pose, teen drivers, pay more than three times the national average for auto insurance.

Teen drivers in Louisiana pay particularly high rates: $10,510 per year, which is $5,714 more than the national average and more than three times what a typical driver in Louisiana would spend.

Young drivers typically have higher auto insurance rates, and they’re especially high in Louisiana. So look for discounts — like a good student discount — that they may qualify for.

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Louisiana Auto Insurance Pricing by City

The vehicle's location is a key aspect car insurance companies consider when calculating your quote. Quotes for New Orleans, LA auto insurance vary from those in other Louisiana cities. Louisiana cities with the lowest auto rates are Shreveport and New Orleans.

On average, insurance costs in Louisiana are high, but that doesn’t mean you can’t find affordable rates. With a little bit of research, you can find the right quote.

Car Insurance After a DUI in Louisiana

Your annual vehicle insurance rates may rise by an average of $360 in Louisiana if you have a DUI conviction. Finding affordable auto insurance after a DUI offense is difficult. Typically, a DUI raises rates higher than any other traffic infraction, including racing, careless driving, and at-fault accidents.

It's important to consider each insurance option thoroughly if you're guilty of a DUI or DWI in Louisiana. Following a DUI, auto insurance rates might differ significantly depending on the carrier.

For instance, Southern Farm Bureau, the cheapest auto insurance provider in Louisiana for drivers with DUIs, boasts annual rates that are 35% less expensive than the state average insurance for DUI.

USAA is the second-most affordable provider of auto insurance in Louisiana following a DUI, whereas Safe Auto charges premiums that are 56% above the national average.

There isn't one specific auto insurer that provides affordable DUI auto insurance. After receiving a DUI citation, you should compare prices.

Louisiana Minimum Coverage Requirements

Nearly all states, including Louisiana, have car insurance requirements. Expect to pay an average of $795 a year if you select Louisiana's bare minimum coverage level. This expense is 47% more costly than the national average.

You must have at least the minimum liability limits specified below to drive in Louisiana lawfully:

• Bodily injury: $15,000 per person
• Bodily injury: $30,000 per accident
• Property damage: $25,000 per accident

You must carry the minimums above in Louisiana or face hefty fines, driver’s license suspension, SR-22 filings, or even jail time.

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Optional Coverage in Louisiana

Beyond the required minimum coverages, drivers can add additional coverages to their policy for extra protection. Listed below are some optional coverages in Louisiana, which varies by carrier:

• Comprehensive insurance
• Collision insurance
• Loan/lease payoff
• Personal injury protection insurance
• Additional personal injury protection
• Passenger personal injury protection
• Medical payments
• Rental car reimbursement
• Roadside assistance
• Uninsured/underinsured motorist coverage

If you want better protection, you can choose a comprehensive and collision policy, which covers the costs of auto accidents, theft, vandalism, and weather-related events.

However, remember that better coverage comes at a price. A complete insurance policy with a $1,000 auto insurance deductible costs $2,215 in Louisiana, which is 179% higher than liability-only auto insurance.

Louisiana SR-22 Insurance

The state may require you to file an SR-22 form if you get a violation like a DUI, driving without insurance, an at-fault accident, driving with a suspended license, or too many points on your license.

The form is a document your insurer issues to the state of Louisiana to confirm you’re insured — it’s not a specific insurance policy. SR-22 insurance will cost more than standard insurance.

Listed below are some essential ways to acquire an SR-22 in Louisiana.

For Currently Insured Drivers

Obtaining an SR-22 certificate is simple if you currently have motor insurance. Contact your auto insurance provider and suggest they submit an SR-22 for you. You'll need to find a new insurer if your current one doesn't submit a request.

For Uninsured Drivers

You might have to pay a charge upfront when applying for new insurance if you want your potential insurer to submit an SR-22 request on your behalf and cover your high-risk driving history. Some insurance providers could deny coverage if you need an SR-22, but others may be happy to do so at a cost.

For Drivers Without a Vehicle

The lack of a vehicle makes getting an SR-22 more challenging because you must present proof of insurance to get the certificate. Purchase non-owner car insurance coverage in this case before submitting an SR-22 request. Since non-owner auto insurance doesn’t cover material car damage, it’s often less expensive than regular coverage.

Cheap Car Insurance in Louisiana: The Bottom Line

While it's fun to cruise along the open road, it's important to ensure you have proper coverage before getting behind the wheel.

Louisiana's $3,265 yearly average for auto insurance is 114% higher than the national average. Your location isn’t the only factor affecting your car insurance costs — age and driving record are also two criteria that determine auto insurance prices.

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