$2,834
Avg. Auto Insurance/Year
60% above national avg
$2,567
Avg. Home Insurance/Year
41% above national avg
#1
Cost Ranking (Most Expensive)
15/30/25
Minimum Liability Required
📰 For Journalists & Bloggers:
You may cite this data with attribution to InsureCompare.
Citation: "According to InsureCompare's 2025 State Insurance Rate Report,
the average Louisiana driver pays $2,834 annually for car insurance,
which is 60% above the national average."
Source: InsureCompare.com
How Louisiana Compares to National Average
Auto Insurance
Louisiana: $2,834 vs National: $1,771
Home Insurance
Louisiana: $2,567 vs National: $1,820
Louisiana Minimum Insurance Requirements
| Coverage Type |
Minimum Required |
Recommended |
| Bodily Injury (per person) |
$15k |
$100k+ |
| Bodily Injury (per accident) |
$30k |
$300k+ |
| Property Damage |
$25k |
$100k+ |
Cheapest Car Insurance Companies in Louisiana
| Company |
Avg. Annual Rate |
vs State Avg |
| GEICO |
$2,323 |
-18% |
| USAA (Military) |
$2,125 |
-25% |
| Progressive |
$2,493 |
-12% |
| State Farm |
$2,692 |
-5% |