Louisiana Car Insurance

Whether you’re driving into New Orleans to catch some jazz or commuting into Shreveport for work, a Farmers® Smart Plan Auto policy offers coverage options designed for how you drive today. Discounts can help you save even more.

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What is the average cost of car insurance in Louisiana?

Louisiana drivers paid an average of $1,684 a year for full coverage (liability, collision and comprehensive) in 2020, according to the most recent data available from the National Association of Insurance Commissioners (NAIC). Keep in mind that insurance premiums in most states have changed since then. Your cost will also depend on how much coverage you choose, as well as your driving history, the car you drive and other factors.

What auto insurance is mandatory in Louisiana?

A car insurance policy with a minimum amount of liability coverage is required in Louisiana. However, minimum coverage may not be the full extent of coverage you want.

As of March 2023, 15/30/25 liability coverage limits are the minimum required in Louisiana.



Bodily injury liability

$15,000 per person; $30,000 per accident

Property damage liability

$25,000 per accident


Bodily injury liability


$15,000 per person; $30,000 per accident


Property damage liability


$25,000 per accident

What does car insurance typically cover in Louisiana?

A typical car insurance policy in Louisiana includes coverage for bodily injury and property damage liability, as well as optional collision and comprehensive coverage in case of covered damage or theft.

Read more about Smart Plan Auto coverage options in Louisiana.

Louisiana car insurance discounts

Farmers offers a variety of discounts for drivers in Louisiana. For example:

  • Multi-vehicle
  • Multi-policy
  • Youthful driver

See more information about additional discounts that may be available in Louisiana.

Poverty Point National Monument

Six C-shaped ridges mark what was the hub of a vast trade network in northeastern Louisiana 3,000 years ago. The ancient city was remarkable both for its scale and because it was built by a sophisticated hunter-gatherer society rather than an agricultural society. — UNESCO World Heritage Convention

More coverage options in Louisiana

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Louisiana home insurance

Learn more about what home insurance in Louisiana covers, available discounts and more.

View home insurance coverage details and discounts for Louisiana

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Louisiana renters insurance

Renters insurance can help cover what your landlord’s insurance policy doesn’t, such as furniture, electronics and other personal belongings.

View renters insurance details and discounts for Louisiana

Learn From Experience

Still have questions about cars and car insurance in Louisiana? We have answers.

Why Did My Car Insurance Premium Go Up When Nothing Else Has Changed?

To understand rate increases, it’s important to know that premium calculations are based on your risk and the projected cost it would take to repair or replace your car. Anything that impacts these factors can explain why rates may increase.  

What These Auto Pros Know About Adding Years to a Car’s Life — and You Should, Too

Why do some cars stay safe and reliable for years longer than others? These car pros say it’s more about the owner’s habits than good engineering.

What Is Uninsured Motorist Coverage?

If you have uninsured motorist coverage, your accident-related expenses can be covered. And if the other driver does have insurance, but it’s not sufficient to cover your costs (given today’s high medical bills), underinsured motorist coverage can help fill the gap.