Auto insurance can be pricey if you live in Louisiana. However, there are ways you can pay below average premiums for car insurance, while still adhering to state-mandated guidelines. Here is the latest info pertaining to Louisiana car insurance. This will help you choose the auto insurance package that works best for you.

Louisiana Minimum Liability Coverage

In insurance lingo, the minimum required insurance coverage for each vehicle owned in the state of Louisiana is 15/30/25. In plain English, Louisiana drivers are required to purchase no less than $15,000 in Personal Injury Protection (PIP), $30,000 in per-accident protection, and $25,000 in coverage against property damage.

Penalties for Driving Without Insurance in Louisiana

For first offenders, driving without insurance in Louisiana can lead to a fine of $100, license plate impoundment, and a reinstatement fee of $50. Second offenses result in fines of up to $250. Drivers with three or more convictions face fines of up to five hundred dollars. Fortunately, Louisiana is not overburdened with uninsured vehicles by comparison to other U.S. States.

Auto Insurance Rates in Louisiana

The average annual auto insurance premium for a driver in the state of Louisiana was $1,842 in 2016, placing Louisiana high above the national average of $1,347 a year for car insurance. Some years, Louisiana has the highest average annual car insurance premium of all U.S. states. According to experts at, this is largely the result of a chronically poor economy combined with the horrendous weather conditions that have plagued that region over the past ten years.

Determining factors in the calculation of car insurance premiums include demographics like local climate, economic stability, neighborhood crime rates, population density and availability of competitive insurance carriers. Other factors affecting annual auto insurance rates are the driver’s age, gender, traffic history and marital status, among other things.

Low Cost Car Insurance Programs in Louisiana

Like most states, Louisiana auto insurance companies offer various discounts for all sorts of exemplary behavior. Super safe drivers might score an Accident-Free Discount or a Good Driver Discount. Good student discounts are also available, as well as defensive driving course discounts, multiple auto discounts, multiple vehicle discounts and multiple policy discounts. Other low cost options include passive restraint discounts, anti-theft discounts and vehicle safety discounts. Some Louisiana residents even go as far as to register their vehicles in other states to lower their annual rates.

Obtaining Auto Insurance Quotes in Louisiana

The state of Louisiana is home to dozens of insurance carriers providing auto insurance coverage at competitive rates. Popular options include national favorites like ABC, Geico, Allstate, The Hartford, State Farm, and 21st Century Insurance. Some Louisiana car owners prefer regional carriers like Direct General or Insurance Network of Louisiana. Call several agents near you, and/or obtain numerous free online quotes. Either way, be sure to ask about their discounts. Then compare quotes, select the cheapest policy that suits your purposes, and you’re done.