Louisiana is one of the most expensive states in the country to insure a car, at roughly 90 percent above the national average for full coverage. This page sets out what coverage costs here, what the law requires, and what driving uninsured now costs under No Pay No Play.
GoAuto can save you money on car insurance, even if you’re a high-risk driver. Here’s how:
Louisiana is one of the most expensive states in the country to insure a car. Full coverage runs roughly 90 percent above the national average, and the state minimum runs about $39 a month above the national figure. These are 2026 market averages across all carriers, not GoAuto rates, and no single figure will match your own quote.
| Coverage level | Louisiana average |
|---|---|
| State-minimum liability 15/30/25 limits | $99 / month $1,187 / year |
| Full coverage Liability + comprehensive + collision | $236 / month $2,827 / year |
| Comparison | Value | Detail |
|---|---|---|
| Louisiana full coverage | $236 / month | Statewide average |
| Against the national average | +90% | On full coverage |
| Most to least expensive city | $197 / month | Monthly spread, New Orleans to Bossier City |
What you pay depends heavily on where in the state you live. New Orleans is the most expensive city in Louisiana and Bossier City the least, a gap of $197 a month for full coverage.
| City | Full coverage | State minimum |
|---|---|---|
| New Orleans | $379 / mo | $164 / mo |
| Baton Rouge | $271 / mo | $115 / mo |
| Kenner | $265 / mo | $112 / mo |
| Alexandria | $260 / mo | $114 / mo |
| Lafayette | $254 / mo | $112 / mo |
| Lake Charles | $227 / mo | $97 / mo |
| Monroe | $221 / mo | $94 / mo |
| Houma | $212 / mo | $88 / mo |
| Shreveport | $205 / mo | $87 / mo |
| Bossier City | $182 / mo | $77 / mo |
Source: MoneyGeek, “Average Cost of Car Insurance in Louisiana for 2026”, 2026 data, page updated 26 August 2026, accessed 21 September 2026. Market averages across all carriers, not GoAuto rates.
Louisiana operates under an at-fault system, which means the driver who causes a crash is responsible for the resulting injuries and property damage, and their liability coverage pays first. Every driver is required to carry at least these limits:
| Coverage | Louisiana minimum |
|---|---|
| Bodily injury liability, per person | $15,000 |
| Bodily injury liability, per accident | $30,000 |
| Property damage liability | $25,000 |
Written as 15/30/25, these are liability limits only. They pay for injuries and damage you cause to other people and nothing toward repairing your own vehicle. Collision and comprehensive are separate coverages, and a lender or lessor will usually require both on a financed car.
The Louisiana Department of Insurance publishes consumer guidance and operates a consumer hotline, and the state also runs an insurer of last resort for drivers who cannot obtain coverage in the standard market.
Sources: Louisiana Department of Insurance consumer resources on the 15/30/25 minimum liability limits and the at-fault system.
Louisiana has a No Pay No Play law, and it changed substantially in 2025. Under Louisiana Revised Statute 32:866, an uninsured driver cannot recover the first tranche of damages after a crash, even when the other driver was entirely at fault. House Bill 434 of the 2025 session raised that tranche sharply, effective 1 August 2025.
| Damages an uninsured driver cannot recover | Before 1 Aug 2025 | From 1 Aug 2025 |
|---|---|---|
| Bodily injury | first $15,000 | first $100,000 |
| Property damage | first $25,000 | first $100,000 |
The state did not raise the minimum coverage requirement to match. Minimums remain 15/30/25. So an uninsured Louisiana driver now stands to lose up to $200,000 of recovery they would otherwise have been owed, for want of a policy the state averages at about $99 a month.
The statute carries exceptions. An uninsured driver may still recover in full where the at-fault driver was intoxicated, acted intentionally, fled the scene, or was committing a felony at the time. The exceptions are narrow and fact-specific, and they are decided case by case rather than assumed.
Sources: Louisiana Revised Statute 32:866, as amended by House Bill 434 of the 2025 Regular Session, effective 1 August 2025. This is general information, not legal advice.
A violation on your record changes what every carrier quotes you. The figures below are Louisiana averages for full coverage, measured against a clean-record baseline of $248 a month.
| What is on your record | Louisiana full-coverage average |
|---|---|
| Clean record | $248 / month baseline |
| Speeding ticket | $286 / month about 15% more |
| At-fault accident | $323 / month about 30% more |
| DUI | $344 / month about 39% more |
Because carriers weight violations differently from one another, re-shopping after a violation often recovers part of the increase. A DUI in Louisiana may also carry an SR-22 filing requirement, which is a certificate your insurer files with the state confirming you carry at least the required minimum.
Source: MoneyGeek, “Average Cost of Car Insurance in Louisiana for 2026”, 2026 data, page updated 26 August 2026, accessed 21 September 2026. Market averages across all carriers, not GoAuto rates. Cost by driving record.
GoAuto writes coverage across Louisiana. Choose your city for local detail, or get a quote to see what applies to you.
What you pay in Louisiana depends on your parish, your vehicle, your record and the coverage level you choose. Because the state runs well above the national average, the gap between a well-matched policy and a poorly matched one is wider here than in most places.
GoAuto Insurance writes auto coverage across its licensed states, including Louisiana, and considers drivers with a range of records, including tickets, accidents, DUIs, and coverage lapses. GoAuto focuses on state-minimum liability coverage, the lowest coverage level the law allows, and can handle SR-22 filing once your policy is active. Down-payment and payment options vary by state and situation. Eligibility, coverage, filing timelines, and pricing depend on your state and your individual circumstances, so the best way to see what applies to you is to get a quote. You can also call 833-700-0000.
Louisiana averages about $99 a month for state-minimum liability at 15/30/25 limits and about $236 a month for full coverage, according to MoneyGeek’s 2026 Louisiana analysis. That is roughly 90 percent above the national average for full coverage. These are whole-market averages across all carriers, not a quote for any one driver.
No single carrier is least expensive for every Louisiana driver. Insurers weight parish, driving record, vehicle, annual mileage, credit-based insurance score where the state permits its use, and your chosen limits differently, so a carrier that lands lowest for one driver often lands mid-pack for the next. Fix your coverage level and deductibles first, then price that exact combination at several carriers.
Louisiana requires at least 15/30/25 liability coverage: $15,000 for bodily injury per person, $30,000 per accident, and $25,000 for property damage. All of it is liability, so it pays for injuries and damage you cause to other people and nothing toward repairing your own vehicle. Louisiana is an at-fault state, so the driver who causes a crash is responsible for the resulting damages.
It bars an uninsured driver from recovering the first tranche of damages after a crash, even when the other driver was entirely at fault. Since 1 August 2025, following House Bill 434, that tranche is the first $100,000 of bodily injury damages and the first $100,000 of property damage, up from $15,000 and $25,000. The state did not raise minimum coverage requirements to match, so the gap between carrying a policy and going without has widened sharply. Narrow exceptions apply, including where the at-fault driver was intoxicated or acting intentionally.
New Orleans, at about $379 a month for full coverage. Bossier City is the least expensive at about $182, a spread of $197 a month across the state. Baton Rouge averages $271, Alexandria $260 and Lafayette $254 among the ten cities the source covers. Rates vary within a city as well, because parish and ZIP code both carry weight in a Louisiana rating plan.
Against a clean-record full-coverage baseline of about $248 a month, Louisiana averages rise to about $344 after a DUI, roughly 39 percent more. An at-fault accident averages about $323 and a speeding ticket about $286. A DUI may also carry an SR-22 filing requirement, which is a certificate your insurer files with the state confirming you carry at least the required minimum coverage.
Get the best coverage options in Louisiana by connecting with a dedicated agent, finding a sales office near you, or receiving your free online quote today!
Last updated: October 2026. The information on this page is general educational content drawn from public industry sources. Specific rate impacts vary by state, by carrier, by individual driving history, and by the rate factors filed and approved with each state Department of Insurance. The figures on this page are third-party market averages, not GoAuto rates or rating factors. For an accurate quote, contact GoAuto directly.