🚗 Car insurance cost in Louisiana (2026)
The estimated average is $4,085 per year — above the national average (+90% vs. the U.S. average of $2,150).
Louisiana is home to about 4.6 million people, and car insurance here runs above the national average. Below, estimate a price for your own profile, then drill into your city — rates in a large metro like New Orleans typically differ from smaller towns.
Estimate your car insurance in Louisiana
Louisiana car insurance estimator
Starts from the Louisiana average. Estimate only — get quotes to confirm.
Car insurance cost in Louisiana cities
| City | Population | Est. car insurance |
|---|---|---|
| New Orleans | 369,749 | $4,248 |
| Baton Rouge | 221,453 | $4,085 |
| Shreveport | 179,250 | $4,085 |
| Lafayette | 121,374 | $4,085 |
Louisiana car insurance FAQ
How much is car insurance in Louisiana?
The estimated average car insurance in Louisiana is $4,085 per year, which is above the national average (+90% vs. the U.S. average of $2,150). Louisiana ranks 1 of 51 states from most to least expensive.
Why is car insurance expensive in Louisiana?
Car insurance pricing in Louisiana reflects local risk factors — weather and catastrophe exposure, accident/claim frequency, repair and medical costs, and state regulation. That’s why costs differ across the South.
How can I save on car insurance in Louisiana?
Compare at least three quotes from insurers active in Louisiana, bundle policies, and re-shop every year. Use the calculator above to see how your profile changes the price.