Car insurance in Louisiana
Drivers in Louisiana paid $1,983 a year for full coverage in 2023, 38% above the national average. With prices up since, figure on about $2,350 today. In Louisiana, the law asks for at least 15/30/25 liability.
What people pay in Louisiana
A typical yearly price today
about $2,350 a year (about $195 a month)
Louisiana's average full-coverage cost in 2023 was $1,983, according to the National Association of Insurance Commissioners (NAIC). Car insurance prices nationally have risen about 18% since then (government price index, August 2026), so we start from about $2,350.
That makes Louisiana the 2nd most expensive of the 50 states and DC. Nationally, the average was $1,439.
It's an average across every kind of driver and car, not your price. Your car, your driving record, and how much coverage you carry move it up or down.
Louisiana next to its neighbors
A typical policy costs more in Louisiana than in all three of its neighbors.
| State | Typical price, 2023 | Moving to Louisiana from there |
|---|---|---|
| Louisiana | $1,983 | Not a move |
| Arkansas | $1,296 | About $940 more a year |
| Mississippi | $1,395 | About $800 more a year |
| Texas | $1,727 | About $350 more a year |
| National average | $1,439 | Not a move |
The move is the What-if page's starting example: a 40–64-year-old with a clean record and a 2020 Toyota Camry, full coverage, in the suburbs, with nothing else changed. Only the two states' typical prices make the difference, so a real move can come out differently.
The least insurance Louisiana's law asks for
- Liability (per person / per crash / property)
- $15,000 / $30,000 / $25,000
- Personal injury protection (PIP)
- Not required
- Medical payments
- Not required
- No-fault
- No
- Uninsured motorist
- Included unless you decline in writing
- Underinsured motorist
- Included unless you decline in writing
Liability pays for injuries and damage you cause to others, up to these limits. A minimum is the least the law allows, not a recommendation, and it doesn't pay to fix your own car.
Liability-only coverage, the closest NAIC figure to what a minimum policy costs, averaged $1,055 in Louisiana in 2023 (about $1,250 today, brought up the same rough way), the 3rd highest of the 50 states and DC. That's about 53% of the full-coverage price; the rest pays to fix or replace your own car.
Louisiana requires at least $15,000 per person and $30,000 per crash for injuries, plus $25,000 for property damage. Uninsured/underinsured motorist coverage matches your liability limits unless you reject it or lower it on a signed state form. If you drive without insurance, you can't recover the first $100,000 of your own injury or property damages after a crash.
What we couldn’t confirm: For the 2025 "no pay, no play" change, we read the bill as passed, not the updated law, and didn't confirm its start date. We found no 2026 change to the minimums. We marked medical payments coverage not required because we found no law requiring it.
- Uninsured and underinsured motorist
- One coverage handles both uninsured and underinsured drivers. By default it matches your injury liability limits. You can turn it down, pick lower limits, or pick economic-only coverage, but only on the state's form, signed by the policyholder. Limits can't go below the state minimums unless you choose economic-only coverage.
- Checked
- September 22, 2026
A new teen driver in Louisiana
Adding a 16-year-old to a typical policy
about $1,550 more a year
About $130 a month, on one average car with full coverage. The whole policy with the teen: roughly $2,900–$5,150 a year.
On a policy of their own, with the same kind of car, the same teen would pay about $6,740 a year in Louisiana (roughly $5,150–$9,600).
What adding a teen costs comes from California's published prices, so the range is wide, and Louisiana may differ. How adding a teen driver works.
Cars that cost the least to add a teen with
In Louisiana, the 2022 Subaru Forester is the cheapest of the 33 cars on the site's popular lists to add a teen with: about $1,380 more a year. At the other end of the same lists, the 2022 Tesla Model 3 costs about $2,330 more a year.
| Car | Added to your policy | On their own policy |
|---|---|---|
| 2022 Subaru Forester | +$1,380 a year | $6,020 a year |
| 2022 Subaru Outback | +$1,390 a year | $6,030 a year |
| 2022 Subaru Crosstrek | +$1,390 a year | $6,060 a year |
| 2022 Honda CR-V | +$1,490 a year | $6,470 a year |
| 2022 Toyota RAV4 | +$1,510 a year | $6,580 a year |
The order is the same in every state, because our car data is national. What changes from state to state is the price level.
Why these cars cost less, and what this doesn't cover.
“Try it with your own car” opens your own situation in Louisiana (a 2020 Toyota Camry if you haven't set one) with a new 16-year-old. It starts from that car, not an average one, so its figure can differ from the one above.
Where these numbers come from
- Typical prices: National Association of Insurance Commissioners (NAIC), 2022/2023 Auto Insurance Database Report, 2023 data, brought up to today with the government's price index for car insurance.
- The law: Louisiana's own statute or insurance department, listed above with the date we checked it.
- Teen drivers and cars: the same math as the rest of the site. Here's how we got these, and every source.
This is an estimate to help you plan, not a quote. We don't sell insurance, and we never pass your info to anyone. Only an insurer can give you a real price.