Loading...
Auto insurance rates, minimum coverage requirements, and driver statistics for Louisiana (LA).
Avg Annual Premium
$2,600
$874 above national avg
Cost Rank
#2
of 51 (most expensive first)
Fault System
At-Fault (Tort)
Tort-based
Uninsured Rate
11.7%
of drivers
Min Liability
$850/yr
Legal minimum
Average Premium
$2,600/yr
State average
Full Coverage
$2,600/yr
Comprehensive + Collision
Louisiana requires:
15/30 / 25 liability
| Age Group | Average | Male | Female |
|---|---|---|---|
| 16-19 | $7,020 | $7,930 | $6,110 |
| 20-25 | $4,680 | $5,200 | $4,160 |
| 26-35 | $2,860 | $2,990 | $2,730 |
| 36-45 | $2,600 | $2,652 | $2,548 |
| 46-55 | $2,470 | $2,522 | $2,418 |
| 56-65 | $2,392 | $2,444 | $2,340 |
| 65+ | $2,730 | $2,808 | $2,652 |
Rates shown are annual averages for each age group in Louisiana. Individual rates vary based on driving record, credit, and vehicle.
| Metric | Louisiana | National Avg |
|---|---|---|
| Average Annual Premium | $2,600 | $1,726 |
| Uninsured Rate | 11.7% | 11.1% |
| Registered Vehicles | 3,818,740 | 5,330,804 |
| Accidents per Year | 57,281 | 79,962 |
Population
4,657,000
Registered Vehicles
3,818,740
Accidents per Year
57,281
Vehicles per Capita
0.82
The CarInsurancePeek editorial team aggregates and verifies car insurance rate data from NAIC & State DOI. Every statistic is cross-referenced against official state DOI filings before publication, with quarterly re-verification cycles.
Read our full methodology or contact us with corrections.