How much is car insurance in Louisiana?
Full-coverage car insurance in Louisiana averaged $1,983 a year in 2023 (NAIC)—38% above the $1,439 US average and 2nd highest in the US—which works out to about $2,350 a year in Louisiana today (about $195 a month, brought to August 2026 with the federal price index). In Louisiana, the law asks for at least 15/30/25 liability, and Louisiana's 2023 liability-only average—the closest NAIC figure to a minimum policy—was $1,055 (about $1,250 today).
What people pay in Louisiana: 2nd highest average in the US
Typical Louisiana full-coverage price today
about $2,350 a year in Louisiana (about $195 a month)
Louisiana's 2023 NAIC full-coverage average ($1,983) adjusted +18% to August 2026 using the US motor-vehicle insurance price index; your Louisiana rate depends on your car, driving history, and coverage limits.
That $1,983 2023 full-coverage figure makes Louisiana the 2nd most expensive of the 50 states and DC (against $1,439 nationally), with 53% going to liability ($1,055, 3rd highest in the US) and 47% covering physical damage to your own vehicle. Counting every insured car in Louisiana—both full-coverage and liability-only policies—Louisiana drivers spent $1,754 per vehicle on average in 2023 (2nd highest in the US, about $2,080 today), or 12% ($229) less than Louisiana's full-coverage combined average.
Louisiana costs more to insure than Arkansas, Mississippi, and Texas
A typical full-coverage policy in Louisiana ($1,983 in 2023) costs more than in all three bordering states. Among Louisiana's neighbors, Arkansas had the lowest 2023 average ($1,296, moving to Louisiana is about $920 more a year) and Texas had the highest ($1,727, moving to Louisiana is about $340 more a year).
| State | 2023 average | Moving to Louisiana from there |
|---|---|---|
| Louisiana | $1,983 | Current state (Louisiana) |
| Arkansas | $1,296 | About $920 more a year |
| Mississippi | $1,395 | About $790 more a year |
| Texas | $1,727 | About $340 more a year |
| US average | $1,439 | US benchmark |
States with similar 2023 full-coverage averages: Florida ($1,994 in 2023, about $2,360 today), New York ($1,896 in 2023, about $2,250 today), District of Columbia ($1,818 in 2023, about $2,150 today), and Georgia ($1,746 in 2023, about $2,070 today).
Louisiana: 15/30/25 minimums, with uninsured-motorist coverage unless rejected in writing
- Louisiana liability (per person / per crash / property)
- $15,000 / $30,000 / $25,000
- Personal injury protection (PIP) in Louisiana
- Not required
- Medical payments in Louisiana
- Not required
- No-fault system in Louisiana
- No
- Uninsured motorist in Louisiana
- Included unless you decline in writing
- Underinsured motorist in Louisiana
- Included unless you decline in writing
Set by La. R.S. 32:900(B)(2), Louisiana's 15/30/25 minimum pays up to $15,000 per person and $30,000 per crash for injuries you cause to others, plus $25,000 for others' property—the legal floor in Louisiana, not a coverage recommendation, and it excludes collision or comprehensive repairs on your own car.
Liability-only coverage in Louisiana—the closest NAIC figure to what a Louisiana minimum policy costs—averaged $1,055 in 2023 (about $1,250 in Louisiana today), the 3rd highest of the 50 states and DC. That makes liability 53% of Louisiana's full-coverage average ($1,983), while the remaining 47% goes toward collision and comprehensive coverage for 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.
- History and recent checks
- The 15/30/25 limits in R.S. 32:900 have been in place since Jan. 1, 2010 (Acts 2008, No. 921); the section was last amended in 2011. Act 381 of 2024 (HB 511) changed how insurers verify and keep the uninsured motorist coverage rejection form. HB 434 of 2025 changed R.S. 32:866 ('no pay, no play'): uninsured owners can't recover the first $100,000 of bodily-injury damages or the first $100,000 of property damages (it had been $15,000 and $25,000). The minimum limits didn't change.
- Checked
- September 22, 2026
- Sources
- La. R.S. 32:900(B)(2)
(a) Fifteen thousand dollars because of bodily injury to or death of one person ... (b) ... thirty thousand dollars ... (c) Twenty-five thousand dollars because of damage to or destruction of property
- La. R.S. 32:861
It shall be the duty of the registered owner of a motor vehicle to maintain the security hereinabove required.
- La. R.S. 22:1295(1)(a)
unless coverage is provided ... in not less than the limits of bodily injury liability provided by the policy ... uninsured or underinsured motor vehicles ... rejection ... shall be made only on a form prescribed by the commissioner
- 2025 La. HB 434 (Enrolled), amending R.S. 32:866
There shall be no recovery for the first fifteen one hundred thousand dollars of bodily injury (struck-through text = deleted)
- La. R.S. 32:900(B)(2)
Adding a 16-year-old driver in Louisiana: about $1,550 more a year
Adding a 16-year-old to a Louisiana policy
about $1,550 more a year
About $130 a month (+66% over a typical Louisiana adult policy of $2,350), bringing the combined Louisiana family policy to roughly $2,900–$5,150 a year.
On a separate Louisiana policy of their own with the same car, a 16-year-old in Louisiana would pay about $6,740 a year (roughly $5,150–$9,600), so sharing a parent's Louisiana policy saves about $5,190 a year.
Our teen-driver multipliers come from California's published age-rating filings scaled to Louisiana's baseline. How adding a teen driver works.
Cheapest cars to add a teen with in Louisiana
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 on a Louisiana policy, compared with about $2,330 more a year for the 2022 Tesla Model 3 in Louisiana.
| 2022 model | Added to a Louisiana policy | Own Louisiana policy |
|---|---|---|
| 2022 Subaru Forester | +$1,380 in Louisiana | $6,020 in Louisiana |
| 2022 Subaru Outback | +$1,390 in Louisiana | $6,030 in Louisiana |
| 2022 Subaru Crosstrek | +$1,390 in Louisiana | $6,060 in Louisiana |
| 2022 Honda CR-V | +$1,490 in Louisiana | $6,470 in Louisiana |
| 2022 Toyota RAV4 | +$1,510 in Louisiana | $6,580 in Louisiana |
The order is the same in every state, because our car data is national. What changes from state to state is the price level. See all 33 teen cars and how we rank them.
What popular cars cost to insure in Louisiana
In Louisiana, a 45-year-old with full coverage pays from about $2,470 a year for a 2024 Jeep Wrangler to about $3,710 for a 2024 Tesla Model Y on these Louisiana sample models.
| Car | 45-year-old in Louisiana | Adding a teen in Louisiana |
|---|---|---|
| 2024 Ford Escape | about $2,660 a year | +$1,760 a year |
| 2024 Nissan Rogue | about $2,600 a year | +$1,720 a year |
| 2024 Toyota Highlander | about $2,550 a year | +$1,680 a year |
| 2024 Tesla Model Y | about $3,710 a year | +$2,450 a year |
| 2024 Ford F-150 | about $2,740 a year | +$1,810 a year |
| 2024 Toyota Tacoma | about $2,540 a year | +$1,680 a year |
| 2024 Jeep Wrangler | about $2,470 a year | +$1,630 a year |
| 2024 Ford Mustang | about $2,960 a year | +$1,960 a year |
See all 121 popular cars, SUVs, pickups, and EVs.
Common questions about car insurance in Louisiana
- How much is car insurance in Louisiana?
- In Louisiana, full-coverage car insurance averaged $1,983 a year in 2023 (the 2nd most expensive of the 50 states and DC per NAIC), or about $2,350 a year ($195 a month) in Louisiana as of August 2026. Louisiana liability-only coverage averaged $1,055 in 2023 (53% of Louisiana's full-coverage figure, or about $1,250 today), and Louisiana drivers spent $1,754 per insured car across all policies.
- What are the minimum car insurance limits in Louisiana?
- Under La. R.S. 32:900(B)(2), Louisiana requires 15/30/25 liability: $15,000 per person and $30,000 per crash for bodily injury, plus $25,000 for property damage. The 15/30/25 limits in R.S. 32:900 have been in place since Jan. 1, 2010 (Acts 2008, No. 921); the section was last amended in 2011. Act 381 of 2024 (HB 511) changed how insurers verify and keep the uninsured motorist coverage rejection form. HB 434 of 2025 changed R.S. 32:866 ('no pay, no play'): uninsured owners can't recover the first $100,000 of bodily-injury damages or the first $100,000 of property damages (it had been $15,000 and $25,000). The minimum limits didn't change.
- How much does adding a 16-year-old teen driver cost in Louisiana?
- Adding a 16-year-old to a parent's full-coverage policy in Louisiana adds about $1,550 more a year ($130 a month), bringing the Louisiana household policy to roughly $2,900–$5,150 a year versus about $6,740 a year (roughly $5,150–$9,600) on a standalone Louisiana teen policy.
- Is Louisiana a no-fault car insurance state?
- No—Louisiana is a fault-based (tort) state where the at-fault driver's insurer pays for crash damages, and Louisiana does not require personal injury protection (PIP). For uninsured/underinsured motorist coverage in Louisiana: 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.
- How does Louisiana's car insurance cost compare with Arkansas?
- Louisiana averaged $1,983 for full coverage in 2023 (NAIC) against $1,296 in Arkansas (53% more than Arkansas), and moving a sample policy from Arkansas to Louisiana today is about $920 more a year. Other bordering states averaged $1,395 in Mississippi and $1,727 in Texas in 2023.
Sources for Louisiana
- Louisiana average premiums ($1,983 full coverage, $1,055 liability-only, $1,754 average expenditure): National Association of Insurance Commissioners (NAIC), 2022/2023 Auto Insurance Database Report (2023 data, trended to today with the BLS CPI motor-vehicle insurance series).
- Louisiana minimum coverage statutes (La. R.S. 32:900(B)(2); La. R.S. 32:861; La. R.S. 22:1295(1)(a); 2025 La. HB 434 (Enrolled), amending R.S. 32:866), checked September 22, 2026. Page updated for Louisiana. See methodology and all sources.
This is an estimate to help you plan, not a quote. We don't sell insurance, and nothing you type is sent to us. Only an insurer can give you a real price.