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Louisiana Is One Of The Most Expensive States For Car Insurance – But You Can Save

If you drive these Louisiana streets and highways, you might have noticed that car insurance rates continue to rise. How does the Pelican State rank among states for car insurance rates?

How Much Is Car Insurance Rates In Louisiana?

Louisiana is a mixed bag when it comes to car insurance rates. Here are some statistics from QuoteWizard.

  • Average cost for liability car insurance is $135 a month.
  • Average cost for full-coverage car insurance is $348 a month.

Both of those figures represent more than 55% higher than the national averages.

The insurance comparison site ValuePenguin has listed the car insurance rates for America state by state. At $4,386 annually, the highest rate is Michigan, and the lowest rate is Iowa ($382 a year). Louisiana, as you’ll see, is the middle.

Most Expensive States For Car Insurance

Here are the average auto insurance premiums in each state.

StateAverage min coverage costAverage full coverage cost
Michigan$4,386$7,161
Florida$2,072$2,962
Rhode Island$1,197$2,750
Delaware$1,153$2,239
Nevada$1,138$2,636
New York$1,085$2,111
Maryland$1,043$1,922
Connecticut$1,041$2,179
Louisiana$1,002$3,720
Kentucky$1,002$2,346
Oregon$987$1,827
Washington, DC$923$2,351
Arizona$897$2,204
New Jersey$846$1,828
Utah$793$1,710
Massachusetts$784$2,271
Colorado$783$2,174
South Carolina$752$1,686
Minnesota$721$1,779
Illinois$717$1,751
Georgia$716$1,612
Texas$666$1,094
Mississippi$657$1,795
Missouri$648$1,859
West Virginia$644$1,757
Hawaii$639$1,753
Alabama$635$1,724
California$604$2,052
New Hampshire$596$1,450
Washington$591$1,475
Oklahoma$584$1,885
Arkansas$556$1,709
Virginia$555$1,350
Nebraska$552$1,739
New Mexico$550$1,800
Kansas$549$1,759
Tennessee$514$1,534
Montana$502$1,792
Pennsylvania$497$1,586
Alaska$492$1,433
North Carolina$492$1,291
Indiana$489$1,345
Ohio$481$1,378
Vermont$474$1,360
Maine$452$1,051
Idaho$426$1,283
Wyoming$422$1,753
North Dakota$422$1,715
Wisconsin$396$1,175
South Dakota$387$1,999
Iowa$382$1,564

Final Word

In Louisiana, you are required to have 15/30/25 liability limits. Those limits provide payments of $15,000 for bodily injury to one person, $30,000 for bodily injury to more than one person in a single accident, and $25,000 coverage for damage to someone else’s vehicle or other property.

How To Save Money On Car Insurance Rates On Louisiana

The way to save money on car insurance is to comparison shop. It’s best to get at least three quotes from different insurance companies.

No matter what you do, please comparison shop for rates before you make a decision.

Here are more ways to save on car insurance.

More From NolaFi.com:

Keisha Smith

Keisha Smith is a Contributing Writer who attended college at Southern University A&M College in Baton Rouge. She is currently writing a book on south Louisiana culture.

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