Car Insurance for Age 20-25 in Louisiana

Average auto insurance rates for 20-25 year old drivers in Louisiana (LA), including male vs female rate comparison.

Avg Annual Rate

$4,680

$1,573 above national avg

Male Rate

$5,200/yr

Female Rate

$4,160/yr

Cost Rank

of 51 states

Male vs Female Rates — Age 20-25 in Louisiana

Gender	Annual	Monthly	vs Average
Male	$5,200	$433	+$520
Female	$4,160	$347	$-520
Average	$4,680	$390	—

Male drivers aged 20-25 pay $1,040 more per year in Louisiana.

All Age Groups in Louisiana

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

Most & Least Expensive States for Age 20-25

Most Expensive

#1	Michigan	$4,860
#2	Louisiana	$4,680
#3	Florida	$4,500
#4	New York	$4,176
#5	Kentucky	$3,960
#6	Colorado	$3,780
#7	Georgia	$3,780
#8	California	$3,726
#9	Nevada	$3,726
#10	Oklahoma	$3,654

Least Expensive

#51	Maine	$1,620
#50	Vermont	$1,800
#49	New Hampshire	$1,890
#48	Idaho	$1,980
#47	Hawaii	$2,286
#46	Wisconsin	$2,304
#45	Ohio	$2,322
#44	North Carolina	$2,430
#43	Iowa	$2,430
#42	North Dakota	$2,448

Louisiana Insurance Overview

State Avg Premium

$2,600/yr

Fault System

At-Fault (Tort)

Uninsured Rate

11.7%

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CarInsurancePeek Editorial TeamInsurance Data Specialists

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.

Sourced from NAIC & State DOIQuarterly reviewNo paid placements

Read our full methodology or contact us with corrections.

Frequently Asked Questions

How much does car insurance cost for age 20-25 in Louisiana?

The average annual car insurance premium for 20-25 year olds in Louisiana is $4,680 (about $390/month). This is $1,573 above the national average of $3,107 for this age group.

Do males or females pay more for car insurance at age 20-25 in Louisiana?

In Louisiana, male drivers aged 20-25 pay more — $5,200/yr for males vs $4,160/yr for females, a difference of $1,040 per year.

How does Louisiana rank for age 20-25 insurance costs?

Louisiana ranks #2 out of 51 states for car insurance costs for 20-25 year olds (most expensive first). The cheapest state for this age group is Maine at $1,620/yr, while Michigan is the most expensive at $4,860/yr.

Why is car insurance more expensive for age 20-25 in Louisiana?

Insurance rates for 20-25 year olds in Louisiana are influenced by the state's at-fault (tort) system, local accident rates (57,281/yr), uninsured driver rate (11.7%), and population density. Louisiana has 3,818,740 registered vehicles.

How can 20-25 year olds save on car insurance in Louisiana?

20-25 year olds in Louisiana can save by: comparing quotes from multiple insurers (USAA is often the cheapest), maintaining a clean driving record, taking defensive driving courses, bundling policies, and asking about age-specific or good student discounts. Higher deductibles can also lower premiums.

Age 20-25 Rates in Other States

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