Select Page

Louisiana Auto Insurance [Rates + Cheap Coverage Guide]

FREE Auto Insurance Comparison

 Secured with SHA-256 Encryption

Compare quotes from the top auto insurance companies and save!

Louisiana Statistics SummaryStats
Road Miles in State48,252
Number of Vehicles Registered3,772,692
Population4,659,978
Most popular vehicleF150
Uninsured %13%
Total Driving Related DeathsSpeeding: 177
DUI: 225
Full Coverage Annual PremiumsLiability: $775.83
Collision: $414.36
Comprehensive: $215.17
Cheapest ProvidersUSAA and State Farm

The fact that Louisiana has astronomical car insurance rates is old news… so old, the reasons date back over 100 years.

Insurance companies and lawmakers have been joining forces the best they know how over the last several decades, but rates still struggle to approach reasonable by comparison to other states.

There can’t be a quick fix overnight, but if Louisiana residents are at least made aware of the causes behind the high car insurance rates and the options in reducing them as much as possible, there may be hope in fitting your annual premium into your budget.

We cover rates, laws, and explanations of factors that can increase or lower your rate quotes with the top-five insurance companies in Louisiana.

So, pull up a chair and get ready!

Guess what…comparing rates is a great way to put money back into your pocket with big, big savings! Start today with just your zip code.

Table of Contents

Louisiana Car Insurance Coverage and Rates

Before we get into all the details, we need to be open, honest, and clear.

Louisiana has one of the highest car insurance rates in the country.

We will get into more about why the rates are so high a little later on.  For now, let’s get started with the basics.

– Minimum Car Insurance Requirements in Louisiana

Insurance RequiredLimits
Bodily Injury Coverage$15,000 per person
$30,000 per accident
Property Damage Coverage$25,000

Liability insurance pays anyone owed compensation when there is an accident you caused.

Louisiana is an “at-fault” state, which means if an accident was your fault, you (or your insurance company) is responsible for all of the damages.

Louisiana requires that you carry, at the minimum, the following amounts:

  • $15,000 – covers bodily injury/death per person.
  • $30,000 – covers total bodily injury or death per accident.
  • $25,000 – covers property damage per accident.

Remember, these are the minimum requirements and do not cover injury, death, or damage to yourself or your own passengers!

– Required Forms of Financial Responsibility in Louisiana

The state of Louisiana requires proof of minimum liability coverage prior to registering a vehicle. Beyond that point, it is the responsibility of the driver to continue liability coverage and carry proof of coverage.

If you are pulled over or you are in an accident, and you do not have a way to prove you’re insured, a police officer will issue you a violation.  You will then have three days to show proof of insurance at an OMV location.

If you fail to provide proof of minimum liability coverage within three days, you will incur fees, your license plate will be confiscated, and you will have to re-register your vehicle.

Be sure to always carry proof of insurance, and it wouldn’t hurt to have a copy of the Safety Responsibility Claim Form if you are in an accident with someone who does not have proof of insurance.

– Premiums as Percentage of Income in Louisiana

How exactly affordable is car insurance for Louisiana residents?

Let’s find out.

In 2014, the annual per capita disposable personal income in Louisiana was $37,787.

Disposable personal income (DPI) is the total amount of money available for an individual to spend (or save) after their taxes have been paid.

The average annual cost of car insurance in Louisiana is $1,364.

Unfortunately, Louisiana residents pay one of the largest percents of of their income on their annual car insurance premium in the nation (second to Michigan). Louisiana residents pay almost four percent annually of their average DPI.

The average Louisiana resident has $3,148 each month for living expenses. Car insurance alone will cost about $125.

Why is getting the best deal on car insurance so important?

American Consumer Credit Counseling suggests saving 20 percent of every paycheck.  With Louisiana’s DPI, that’s about $630 each month! How much are you contributing to your nest egg each month?

 

CalculatorPro

– Core Car Insurance Coverage in Louisiana

The National Association of Insurance Commissioners, the experts on the matter, tracks average rates for each type of coverage. Their 2015 data, the most recent that is available, is displayed in the table below.

Coverage TypesAnnual Costs in 2015
Liability$775.83
Collision $414.36
Comprehensive$215.17
Combined$1,405.36

Worth noting, the state of Louisiana has THE highest full coverage rates in the nation as of 2015!

The national average of all states for full coverage is $1,009.38.  You can see Louisiana comes in over $400 higher than the national average.

Louisiana also fell within the top eight states with the highest coverage rates for liability, collision, and comprehensive in 2015.

Let that sink in…

Now, before we go blaming it all on Mardi Gras, let’s take a deep breath and look at the finite details.

Just because your state has the highest rates in the nation does not mean you can’t get a reasonable deal on a car insurance policy.

What’s the good news?

You have the opportunity to shop diligently for excellent coverage for a great rate.  Keep reading to learn more popular coverage options.

– Additional Liability Coverage in Louisiana

Even though Louisiana has minimum requirements for liability coverage, experts recommend drivers purchase more.  The state’s minimum amounts don’t even come close to the bills to expect if you are at fault for an accident.

You may be wondering: Why do I need more coverage than required?

Let’s talk profits and losses for a moment…

When you consider various car insurance providers, it’s important to look at data on a state level. All insurance companies in the state of Louisiana have what is called a loss ratio per company.  We have included the total loss ratio for all insurance providers by coverage type in the state in the table below.

Loss Ratio201320142015
Medical Payments (Med Pay)85.8885.6286.66
Uninsured/Underinsured Motorist92.10100.1199.68

A loss ratio shows how much a company spends on the types of claims to how much money they take in on premiums. A loss ratio of 60 percent indicates the company spent $60 on claims out of every $100 earned in premiums.

So, the closer the ratio is to 100, the more claims that are paid; however, this also shows that insurance companies are losing money. Sixty to 70 loss ratio is considered to be in the safe zone.

Remember, Louisiana is ranked 20th in the nation for the highest percentage of uninsured motorists, so, it makes complete sense that insurance companies are losing money when paying out claims of this type.

And the cycle continues… the more the companies have to pay out on claims, the higher the rates go. The higher the rates go, the more people there are who take a risk and not purchase car insurance.

– Uninsured/Underinsured Motorists Coverage in Louisiana

Uninsured/underinsured motorists coverage has various options in limits of coverage as well, but, essentially, this type of policy will cover you if you are hit by an uninsured or underinsured motorist.

At 13 percent, Louisiana ranks number 20 out of all 50 states for the highest percentage of uninsured/underinsured motorists.

That is nearly 606,000 people driving around the state of Louisiana without any or enough liability coverage.

Louisiana does not currently require uninsured/underinsured motorists coverage, but it is something to closely consider when purchasing your auto insurance policy.

Insurance companies in Louisiana are required to offer this type of coverage to you, but you do have the option to decline it by providing a written and signed statement that you decline this type of coverage.

You may be wondering, why would I need to submit that in writing?

Well, your insurance company will keep your declination on file in case you are in a no-fault accident with another person who was negligent enough not to follow the laws.

If you choose to purchase uninsured/underinsured motorists coverage, it is required that the amount equal that of your liability coverage.

However, there is another option to keep your rates low: it’s called “economic-only” coverage.

Taking this “economic-only” option will reduce the uninsured motorist coverage below that of your own liability coverage, and, in turn, reduce your premium… but you still have to sign a statement that you are electing for “economic-only” uninsured/underinsured motorist coverage.

We will explain a bit more about this “economic-only” option later on in the driving laws section.

So, unless you want your insurance company to leave you high and dry when a stroke of bad luck collides with you or your vehicle, don’t sign and decline their offer.

– Add-ons, Endorsements, and Riders

We know getting the complete coverage you need for an affordable price is your goal.

The great news is that there are lots of powerful but cheap extras you can add to your policy.

Don’t get overtaken by high car insurance premiums! Start comparison shopping today using our FREE online tool. Enter your zip code below to get started!

Here’s a list of other useful coverage available to you in Louisiana:   

– Male vs Female Annual Car Insurance Rates in Louisiana

Most are under the impression that men pay higher rates than women, and that is true in most cases in Louisiana. However, six states, most recently California, have outlawed charging different insurance rates based on gender and/or marital status.

Our researchers found that the two most influential factors that go into rate calculations are age and the specific carrier.

Let’s see how that shakes out for Louisiana residents.

 – Demographic and Insurance Carrier

Many factors go into calculating your rate, not just age, gender, and marital status. We provide a table below featuring average rates for the top five carriers in Louisiana to give you an idea of how these few variables affect rates. Click on the arrows for each column to sort rates.

CompanyMarried 35-year old femaleMarried 35-year old maleMarried 60-year old femaleMarried 60-year old maleSingle 25-year old femaleSingle 25-year old maleSingle 17-year old femaleSingle 17-year old maleAverage Rate (over 17)Average Rate (17 year olds)The Difference
Allstate$4,254.40$4,254.40$4,394.91$4,394.91$4,694.46$5,083.73$9,256.33$11,657.16$4,512.80$10,456.75$5,943.94
Geico$3,430.68$3,952.72$4,103.66$5,009.51$3,309.53$3,204.45$12,767.36$13,458.88$3,835.09$13,113.12$9,278.03
Progressive$4,158.02$3,880.90$3,483.46$3,762.32$4,746.19$4,834.20$16,529.91$18,373.77$4,144.18$17,451.84$13,307.66
State Farm$2,851.05$2,851.05$2,619.17$2,619.17$3,180.57$3,569.11$8,404.12$10,538.72$2,948.35$9,471.42$6,523.07
USAA$2,678.38$2,634.64$2,612.63$2,591.11$3,286.33$3,597.39$8,021.04$9,403.41$2,900.08$8,712.23$5,812.15

You will notice three columns at the far right of the table that shows the average rate for those over 17 compared to those age 17. Age is an acceptable factor in calculating rates; after all, the older we are, the more experience we have as drivers.

But it also has a great deal to do with risky behavior and how the statistics come out for younger drivers.

The Insurance Institute for Highway Safety (IIHS) released an informative video not too long ago that explains why insurance rates are so high for teens.

– Cheapest Louisiana Car Insurance Rates by Zip Code

Another factor that influences rate calculations is where you live.

Statistically, the more populated an area is, the more risk you will be for having an accident not to mention DUI rates statewide and many other risk factors.

We include in the table below the average rate by zip code. As is, the table shows higher rates on the left and lower rates on the right. Feel free to search the table for your zip code and maybe cities to which you plan to relocate.

ZipcodeHighest Average RateZipcodeLowest Average Rate
70117$9,303.5071439$4,332.48
70127$9,249.2371443$4,355.93
70128$9,203.0571459$4,397.96
70126$9,155.4871446$4,408.37
70129$9,123.7571403$4,430.85
70113$9,085.5171474$4,435.33
70145$9,034.5571461$4,440.21
70146$9,034.5571475$4,471.44
70116$9,013.8071075$4,474.44
70122$8,940.0971429$4,476.94
70148$8,877.4671071$4,477.35
70119$8,860.8071449$4,546.33
70139$8,675.0471426$4,568.59
70163$8,547.1571486$4,580.26
70130$8,542.1471462$4,587.34
70112$8,540.1171468$4,591.96
70170$8,521.5771016$4,592.82
70125$8,459.5071072$4,595.44
70114$8,180.8171048$4,601.27
70032$8,001.8371001$4,604.07
70058$7,919.0571045$4,608.94
70131$7,899.8271460$4,610.51
70053$7,895.9871406$4,610.84
70072$7,857.9571068$4,613.19
70043$7,852.3371038$4,630.28
70056$7,824.6971040$4,632.87
70092$7,818.3571003$4,639.42
70075$7,760.2271024$4,639.92
70118$7,747.8471028$4,641.55
70115$7,732.0270659$4,645.62
70085$7,346.9371064$4,645.70
70062$7,340.0471039$4,650.77
70805$7,334.2071256$4,654.01
70037$7,306.5671268$4,657.55
70812$7,301.0470639$4,658.17
70067$7,282.7171055$4,660.13
70036$7,257.4471079$4,660.84
70082$7,254.3471251$4,663.50
70124$7,206.3070653$4,664.29
70814$7,180.1370634$4,665.62
70065$7,161.9271222$4,674.32
70094$7,150.3671275$4,677.70
70801$7,118.7771080$4,677.85
70040$7,070.6571247$4,678.96
70002$7,066.3671073$4,685.29
70802$7,033.7771277$4,688.61
70003$7,033.7471008$4,689.21
70006$7,027.6271270$4,690.53
70792$7,025.2971419$4,693.28
70121$7,015.8371065$4,699.98
70738$7,011.0671018$4,714.83
70005$7,010.9771245$4,726.31
70001$7,002.7871110$4,727.74
70093$6,989.2171235$4,736.22
70083$6,988.2771067$4,753.20
70811$6,947.4171037$4,756.05
70825$6,939.1071272$4,765.72
70815$6,926.3471052$4,766.89
70807$6,904.2071452$4,789.46
70123$6,871.2271029$4,793.33
70819$6,845.4471457$4,796.31
70806$6,814.2371450$4,797.79
70818$6,807.9671006$4,798.33
70726$6,776.7371023$4,799.07
70081$6,775.2271070$4,817.83
70827$6,759.5971063$4,817.94
70041$6,756.6871111$4,824.86
70091$6,749.6271019$4,834.32
70714$6,694.2471044$4,835.35
70719$6,692.2571002$4,838.19
70836$6,681.6871230$4,838.30
70816$6,665.4871324$4,838.30
70739$6,620.5971049$4,839.58
70767$6,608.6871069$4,842.92
70706$6,580.4471411$4,845.05
70810$6,558.9571456$4,845.44
70769$6,544.8071082$4,846.74
70813$6,542.0471469$4,851.25
70786$6,539.9371232$4,852.48
70087$6,532.1071066$4,853.47
70809$6,527.5471414$4,853.47
70776$6,516.4471034$4,854.61
70817$6,502.5871428$4,856.89
70076$6,499.9571061$4,858.20
70084$6,484.8371243$4,862.01
70785$6,478.6271249$4,862.01
70803$6,476.8071051$4,866.20
70051$6,457.9271260$4,867.89
71359$6,449.4171032$4,884.44
70788$6,434.2471480$4,885.54
70031$6,432.5971282$4,889.41
70710$6,429.3771295$4,900.73
70449$6,427.4571050$4,901.10
70733$6,425.4171043$4,902.77
70774$6,416.7671479$4,905.83
70780$6,416.1671060$4,907.18
70734$6,402.8271471$4,913.03
70729$6,399.2871422$4,915.10
70721$6,395.1471112$4,915.77
70778$6,363.3571410$4,921.95
70737$6,362.7171440$4,938.05
70764$6,354.6871483$4,938.22
70770$6,341.5871027$4,940.23
70728$6,340.3771233$4,942.62
71301$6,332.9571241$4,944.62
71302$6,315.6670301$4,945.12
70079$6,304.6371425$4,959.59
70725$6,294.0271105$4,963.35
70754$6,262.6270392$4,967.95
70718$6,255.1271078$4,973.76
70820$6,246.2370660$4,975.14
71351$6,238.1971219$4,980.21
70791$6,237.3071342$4,981.09
70808$6,212.8171046$4,984.64
71341$6,211.5970656$4,988.30
70462$6,206.0271473$5,000.91
70068$6,204.4571465$5,001.82
70052$6,200.1171004$5,002.12
70777$6,195.6971030$5,003.23
70730$6,186.8871336$5,007.82
70047$6,182.6071031$5,009.77
71331$6,169.8871340$5,011.45
70763$6,166.5271357$5,011.68
70723$6,157.2270662$5,018.43
71303$6,154.7371401$5,022.30
71322$6,153.1371415$5,022.51
71355$6,142.3671441$5,022.51
71350$6,139.1671033$5,026.41
70740$6,123.3371007$5,026.83
70057$6,094.6771276$5,026.84
70736$6,083.9371286$5,029.89
70722$6,083.1271404$5,030.42
70039$6,082.6671435$5,032.28
70789$6,078.8971363$5,036.79
71367$6,078.8271237$5,037.57
70071$6,055.1271047$5,042.96
70761$6,041.8570310$5,044.37
70049$6,038.8470591$5,046.65
71320$6,034.1971377$5,052.96
70460$6,029.9571115$5,054.94
70773$6,022.6271334$5,055.96
70086$6,017.2070652$5,057.64
70453$6,013.3871227$5,060.30
71330$6,009.5471218$5,060.43
70524$6,009.0171378$5,064.92
70586$6,007.6971368$5,065.91
70341$6,002.9571343$5,070.64
71333$5,990.6371254$5,070.84
70346$5,990.2870342$5,071.03
70403$5,986.5270380$5,076.36
70421$5,984.8971366$5,082.18
70744$5,984.7071250$5,083.10
70455$5,984.6471279$5,086.48
70576$5,980.0271375$5,088.06
70585$5,980.0270372$5,088.83
71202$5,977.7370538$5,092.16
70748$5,977.7071107$5,092.43
71348$5,969.2671269$5,093.57
71369$5,969.0171264$5,093.69
70358$5,964.6370395$5,094.15
70580$5,961.9870352$5,098.58
70070$5,953.0970364$5,112.05
70711$5,947.1471223$5,112.69
71362$5,942.8371266$5,113.61
70752$5,942.6670549$5,115.09
70554$5,930.7871259$5,115.72
70458$5,929.3271434$5,121.33
70436$5,926.8970657$5,125.34
70501$5,917.8170637$5,138.41
70601$5,914.3271263$5,141.88
71339$5,912.2671371$5,143.25
70782$5,902.5871326$5,149.81
70461$5,902.2471416$5,153.77
70454$5,882.1671280$5,158.80
70445$5,877.1071129$5,165.17
70749$5,869.9671119$5,169.22
71345$5,863.4870360$5,174.33
70456$5,857.5171373$5,177.17
71327$5,855.3770359$5,178.86
71203$5,855.1470581$5,182.11
70753$5,850.0570356$5,186.66
71356$5,846.2670633$5,189.62
70772$5,834.6271226$5,192.78
71329$5,832.5170447$5,199.02
70402$5,829.6470514$5,199.59
70401$5,820.0570546$5,200.88
71365$5,816.2371432$5,207.54
70357$5,814.5671242$5,209.60
71405$5,807.2371253$5,209.60
71360$5,806.7270433$5,210.88
70344$5,804.0370522$5,215.06
71323$5,800.0070540$5,215.06
70354$5,795.3870537$5,217.42
70762$5,795.3070640$5,224.96
71346$5,791.3471234$5,229.17
70506$5,788.1471118$5,232.10
71325$5,782.6570644$5,240.58
70503$5,778.8570448$5,245.09
70615$5,775.1870650$5,259.25
70517$5,774.3370645$5,270.39
70583$5,773.9870648$5,275.18
70465$5,771.4171229$5,277.80
70756$5,769.1271238$5,279.01
70757$5,767.2770531$5,279.16
70715$5,765.2870523$5,284.73
70784$5,762.3571455$5,284.73
70787$5,762.3570363$5,285.68
71409$5,759.7870543$5,287.17
70747$5,755.0970556$5,289.01
70427$5,754.6471354$5,290.62
71358$5,754.5770532$5,291.15
71485$5,746.8271291$5,292.91
71108$5,746.6970658$5,295.76
70467$5,739.9671104$5,296.44
71328$5,739.4870394$5,296.79
70080$5,737.1570661$5,297.68
70589$5,737.1171454$5,298.13
70443$5,732.2770548$5,302.06
70760$5,731.7670534$5,303.25
70570$5,731.2370544$5,305.58
70592$5,730.5870559$5,307.78
70508$5,728.7870516$5,309.21
70466$5,728.5070375$5,312.37
71477$5,727.2570654$5,315.50
71431$5,719.3070471$5,316.94
70446$5,717.2470643$5,324.60
70513$5,716.3670374$5,324.61
70441$5,715.6670343$5,327.46
71424$5,712.2871101$5,327.47
71209$5,710.8170373$5,330.37
71212$5,710.8170632$5,334.20
70393$5,707.9870515$5,340.46
70605$5,706.1070397$5,342.07
70755$5,704.6070651$5,345.41
70529$5,702.9271261$5,351.50
70519$5,699.4971427$5,365.27
71353$5,699.1470647$5,368.14
70577$5,694.7470631$5,372.44
71448$5,692.9870464$5,373.04
70518$5,689.4170355$5,374.93
70560$5,687.7570542$5,382.91
70552$5,687.2970655$5,387.81
70353$5,682.3870431$5,395.68
70426$5,681.8271418$5,396.82
70712$5,679.7170668$5,398.24
70750$5,675.9870526$5,414.78
70452$5,675.2670090$5,417.96
70504$5,675.0071447$5,420.14
70444$5,668.6570528$5,421.79
70775$5,668.2970377$5,427.02
70582$5,666.3171467$5,434.90
70507$5,665.0770420$5,445.30
70520$5,655.1071225$5,447.19
70575$5,650.0870578$5,447.80
70783$5,649.0571407$5,449.77
70584$5,646.9471109$5,453.14
70438$5,646.1170345$5,455.31
70609$5,644.9471316$5,464.98
70629$5,644.9471106$5,467.22
70437$5,643.2270535$5,472.19
70732$5,640.3370663$5,473.48
71292$5,637.7271472$5,476.28
70510$5,637.1370533$5,478.38
71430$5,634.2771417$5,490.13
70450$5,627.5970630$5,492.98
70563$5,624.0670555$5,497.94
71240$5,611.8371433$5,502.09
71201$5,611.1771220$5,502.64
70463$5,603.3470646$5,504.82
70442$5,603.2171466$5,505.73
70457$5,603.0370611$5,506.39
70422$5,602.0270030$5,511.13
70390$5,591.0470638$5,512.15
70759$5,586.7471463$5,518.58
71438$5,583.7070525$5,519.96
70607$5,583.3170512$5,529.89
70665$5,574.7770669$5,532.66
71103$5,562.8370435$5,533.74
71423$5,557.9770339$5,545.61

– Louisiana Car Insurance Rates by City

The area with a zip code in the French Quarter is bound to have higher rates than those zip codes on the outskirts of New Orleans, even if it is by only a few dollars per month.

For this reason, we include below the average rates by city. Feel free to search and sort the table.

CityAverage
New Orleans$8,512.85
Arabi$8,001.83
Harvey$7,919.05
Gretna$7,860.34
Marrero$7,857.95
Chalmette$7,852.33
Violet$7,818.35
Meraux$7,760.22
Saint Bernard$7,346.93
Lafitte$7,282.72
Barataria$7,257.44
Pointe A La Hache$7,254.34
Kenner$7,250.98
Westwego$7,150.36
Belle Chasse$7,147.89
Braithwaite$7,070.65
Metairie$7,028.30
Uncle Sam$7,025.29
Burnside$7,011.06
Port Sulphur$6,988.28
Baton Rouge$6,787.56
Pilottown$6,775.22
Buras$6,756.68
Venice$6,749.62
Baker$6,694.24
Brusly$6,692.25
Denham Springs$6,678.59
Greenwell Springs$6,620.59
Port Allen$6,608.68
Prairieville$6,544.80
Watson$6,539.93
Saint Rose$6,532.10
Saint Gabriel$6,516.44
Mount Airy$6,499.95
Reserve$6,484.83
Walker$6,478.62
Garyville$6,457.92
White Castle$6,434.24
Ama$6,432.59
Addis$6,429.37
Maurepas$6,427.46
French Settlement$6,425.41
Saint Amant$6,416.76
Sunshine$6,416.16
Geismar$6,402.82
Erwinville$6,399.28
Carville$6,395.14
Sorrento$6,363.35
Gonzales$6,362.71
Plaquemine$6,354.68
Pride$6,341.58
Duplessis$6,340.37
Norco$6,304.63
Darrow$6,294.02
Alexandria$6,267.78
Livingston$6,262.62
Brittany$6,255.13
Marksville$6,238.19
Zachary$6,237.30
Hessmer$6,211.59
Springfield$6,206.02
La Place$6,204.45
Gramercy$6,200.11
Slaughter$6,195.69
Ethel$6,186.88
Destrehan$6,182.60
Effie$6,169.88
Paulina$6,166.52
Convent$6,157.22
Bunkie$6,153.13
Moreauville$6,142.36
Mansura$6,139.16
Pineville$6,128.07
Grosse Tete$6,123.33
Hahnville$6,094.67
Glynn$6,083.93
Clinton$6,083.11
Boutte$6,082.66
Wilson$6,078.89
Saint Landry$6,078.82
Lutcher$6,055.12
Norwood$6,041.85
Edgard$6,038.84
Bordelonville$6,034.19
Rougon$6,022.62
Saint James$6,017.20
Pine Grove$6,013.37
Echo$6,009.54
Chataignier$6,009.01
Ville Platte$6,007.69
Belle Rose$6,002.95
Evergreen$5,990.63
Donaldsonville$5,990.29
Akers$5,984.89
Holden$5,984.70
Robert$5,984.64
Pine Prairie$5,980.02
Turkey Creek$5,980.02
Jackson$5,977.70
Libuse$5,969.26
Simmesport$5,969.01
Grand Isle$5,964.63
Reddell$5,961.98
Slidell$5,953.84
Luling$5,953.09
Albany$5,947.14
Plaucheville$5,942.83
Lakeland$5,942.66
Mamou$5,930.78
Fluker$5,926.89
Hamburg$5,912.26
Tunica$5,902.58
Ponchatoula$5,882.16
Hammond$5,878.74
Lacombe$5,877.09
Jarreau$5,869.96
Lebeau$5,863.48
Roseland$5,857.51
Cottonport$5,855.37
Lettsworth$5,850.05
Morrow$5,846.26
Rosedale$5,834.62
Dupont$5,832.51
Ruby$5,816.23
Golden Meadow$5,814.56
Ball$5,807.23
Chauvin$5,804.03
Center Point$5,800.00
Galliano$5,795.38
Oscar$5,795.30
Lecompte$5,791.34
Cheneyville$5,782.65
Breaux Bridge$5,774.33
Scott$5,773.98
Monroe$5,773.13
Tangipahoa$5,771.41
Lottie$5,769.12
Maringouin$5,767.27
Batchelor$5,765.28
Wakefield$5,762.35
Weyanoke$5,762.35
Boyce$5,759.78
Lafayette$5,758.94
Innis$5,755.09
Bogalusa$5,754.64
Palmetto$5,754.56
Woodworth$5,746.82
Varnado$5,739.96
Deville$5,739.48
Paradis$5,737.15
Washington$5,737.11
Independence$5,732.27
New Roads$5,731.76
Opelousas$5,731.23
Youngsville$5,730.58
Tickfaw$5,728.50
Tioga$5,727.25
Gardner$5,719.30
Loranger$5,717.24
Avery Island$5,716.36
Greensburg$5,715.66
Elmer$5,712.28
Plattenville$5,707.98
Livonia$5,704.60
Duson$5,702.92
Cade$5,699.49
Melville$5,699.14
Port Barre$5,694.74
Longleaf$5,692.98
Broussard$5,689.41
Loreauville$5,687.29
Dulac$5,682.38
Lake Charles$5,682.17
Angie$5,681.82
Angola$5,679.71
Krotz Springs$5,675.98
Pearl River$5,675.26
Kentwood$5,668.65
Saint Francisville$5,668.29
Saint Martinville$5,666.31
New Iberia$5,655.91
Carencro$5,655.10
Perry$5,650.08
Ventress$5,649.05
Sunset$5,646.94
Franklinton$5,646.10
Folsom$5,643.22
Fordoche$5,640.33
Abbeville$5,637.13
Forest Hill$5,634.27
Mount Hermon$5,627.59
Fairbanks$5,611.83
Sun$5,603.34
Husser$5,603.21
Saint Benedict$5,603.03
Amite$5,602.02
Napoleonville$5,591.04
Morganza$5,586.74
Hineston$5,583.70
Dry Prong$5,557.97
Pierre Part$5,545.61
Westlake$5,532.66
Arnaudville$5,529.89
Sulphur$5,524.13
Church Point$5,519.95
Oakdale$5,518.58
Elizabeth$5,512.15
Des Allemands$5,511.12
Otis$5,505.73
Hayes$5,504.82
Bastrop$5,502.65
Glenmora$5,502.10
Maurice$5,497.94
Bell City$5,492.97
Colfax$5,490.13
Erath$5,478.38
Sieper$5,476.28
Eunice$5,472.20
West Monroe$5,465.32
Acme$5,464.98
Cut Off$5,455.31
Bentley$5,449.77
Rayne$5,447.80
Calhoun$5,447.19
Abita Springs$5,445.30
Pollock$5,434.90
Montegut$5,427.02
Delcambre$5,421.79
Lena$5,420.14
Vacherie$5,417.96
Crowley$5,414.78
Vinton$5,398.24
Columbia$5,396.82
Bush$5,395.68
Oberlin$5,387.80
Gueydan$5,382.91
Gheens$5,374.93
Talisheek$5,373.04
Cameron$5,372.44
Covington$5,372.31
Iowa$5,368.15
Flatwoods$5,365.27
Mer Rouge$5,351.50
Leblanc$5,345.41
Theriot$5,342.07
Basile$5,340.46
Creole$5,334.20
Larose$5,330.37
Bourg$5,327.46
Lockport$5,324.61
Grand Chenier$5,324.60
Mittie$5,315.50
Mathews$5,312.37
Branch$5,309.21
Morse$5,307.78
Jeanerette$5,305.58
Estherwood$5,303.25
Kaplan$5,302.06
Montgomery$5,298.13
Starks$5,297.68
Raceland$5,296.79
Reeves$5,295.76
Shreveport$5,294.25
Elton$5,291.15
Monterey$5,290.62
Mermentau$5,289.01
Iota$5,287.17
Charenton$5,284.73
Mora$5,284.73
Mandeville$5,281.02
Egan$5,279.16
Eros$5,279.01
Collinston$5,277.80
Kinder$5,275.18
Hackberry$5,270.39
Lacassine$5,259.25
Grant$5,240.58
Downsville$5,229.17
Fenton$5,224.96
Evangeline$5,217.42
Centerville$5,215.06
Garden City$5,215.06
Forest$5,209.60
Kilbourne$5,209.60
Georgetown$5,207.55
Jennings$5,200.88
Baldwin$5,199.59
Madisonville$5,199.02
Chatham$5,192.78
Houma$5,190.69
Dequincy$5,189.62
Gibson$5,186.66
Roanoke$5,182.11
Gray$5,178.86
Vidalia$5,177.17
Sterlington$5,158.80
Cloutierville$5,153.77
Clayton$5,149.81
Trout$5,143.25
Oak Grove$5,141.88
Dry Creek$5,138.41
Ragley$5,125.34
Gorum$5,121.33
Mangham$5,115.72
Lake Arthur$5,115.09
Pioneer$5,113.61
Bonita$5,112.69
Donner$5,098.58
Schriever$5,094.15
Oak Ridge$5,093.69
Rayville$5,093.57
Franklin$5,092.16
Labadieville$5,088.83
Waterproof$5,088.06
Start$5,086.48
Jones$5,083.10
Saint Joseph$5,082.18
Morgan City$5,076.36
Berwick$5,071.03
Lake Providence$5,070.84
Jonesville$5,070.64
Sicily Island$5,065.91
Wisner$5,064.92
Archibald$5,060.43
Choudrant$5,060.30
Longville$5,057.64
Ferriday$5,055.96
Wildsville$5,052.96
Welsh$5,046.65
Keithville$5,042.96
Epps$5,037.57
Rhinehart$5,036.79
Grayson$5,032.28
Atlanta$5,030.42
Transylvania$5,029.88
Sondheimer$5,026.84
Bethany$5,026.83
Greenwood$5,026.41
Clarks$5,022.51
Kelly$5,022.51
Aimwell$5,022.30
Sugartown$5,018.43
Newellton$5,011.68
Harrisonburg$5,011.45
Goldonna$5,009.76
Gilbert$5,007.82
Gloster$5,003.23
Belcher$5,002.11
Olla$5,001.82
Sikes$5,000.91
Thibodaux$4,994.75
Pitkin$4,988.30
Keatchie$4,984.64
Jena$4,981.09
Baskin$4,980.21
Singer$4,975.14
Stonewall$4,973.76
Patterson$4,967.95
Enterprise$4,959.59
Farmerville$4,944.62
Delta$4,942.62
Frierson$4,940.23
Winnfield$4,938.22
Joyce$4,938.05
Calvin$4,921.95
Dodson$4,915.10
Saint Maurice$4,913.03
Mooringsport$4,907.18
Tullos$4,905.83
Hosston$4,902.77
Longstreet$4,901.10
Winnsboro$4,900.73
Tallulah$4,889.41
Urania$4,885.54
Grand Cane$4,884.44
Bossier City$4,870.32
Marion$4,867.89
Elm Grove$4,866.20
Fort Necessity$4,862.01
Jigger$4,862.01
Oil City$4,858.20
Flora$4,856.89
Hall Summit$4,854.61
Clarence$4,853.47
Powhatan$4,853.47
Delhi$4,852.47
Robeline$4,851.25
Vivian$4,846.74
Natchez$4,845.44
Campti$4,845.05
Rodessa$4,842.92
Logansport$4,839.58
Chase$4,838.30
Crowville$4,838.30
Ashland$4,838.19
Ida$4,835.35
Coushatta$4,834.32
Pelican$4,817.95
Saline$4,817.82
Doyline$4,799.07
Benton$4,798.33
Marthaville$4,797.79
Natchitoches$4,796.31
Gilliam$4,793.33
Melrose$4,789.46
Mansfield$4,766.90
Haughton$4,756.05
Princeton$4,753.20
Dubach$4,736.22
Ruston$4,728.13
Barksdale Afb$4,727.74
Grambling$4,726.31
Cotton Valley$4,714.83
Pleasant Hill$4,699.98
Converse$4,693.28
Bienville$4,689.21
Spearsville$4,688.60
Sibley$4,685.29
Hodge$4,678.96
Taylor$4,677.85
Simsboro$4,677.70
Bernice$4,674.32
Deridder$4,665.62
Merryville$4,664.29
Jonesboro$4,663.50
Summerfield$4,660.84
Minden$4,660.13
Evans$4,658.17
Quitman$4,657.55
Lillie$4,654.01
Heflin$4,650.77
Plain Dealing$4,645.70
Rosepine$4,645.62
Gibsland$4,641.55
Dubberly$4,639.92
Athens$4,639.43
Homer$4,632.87
Haynesville$4,630.28
Ringgold$4,613.19
Belmont$4,610.84
Negreet$4,610.51
Jamestown$4,608.94
Arcadia$4,604.07
Lisbon$4,601.27
Shongaloo$4,595.44
Castor$4,592.82
Provencal$4,591.96
Noble$4,587.33
Zwolle$4,580.26
Fisher$4,568.59
Many$4,546.33
Sarepta$4,477.35
Florien$4,476.94
Springhill$4,474.44
Slagle$4,471.44
Newllano$4,440.21
Simpson$4,435.33
Anacoco$4,430.85
Leesville$4,408.37
Fort Polk$4,397.96
Kurthwood$4,355.93
Hornbeck$4,332.48

Louisiana Car Insurance Companies

With so many options in car insurance providers, it can be difficult to choose a company that you can confide in to cover you when the unexpected happens.

Our data analysts pulled the top 5-10 insurance companies for Louisiana residents to help you begin to make some comparisons and choose the right coverage for you and your family.

Are you ready?

– Number of Car Insurance Providers in Louisiana

Property & Casualty InsuranceNumber
Domestic34
Foreign819
Total953

– The 10 Largest Car Insurance Companies in Louisiana

The table below shows the ten largest car insurance companies in Louisiana and is sorted by market share. Also included is direct premiums written and loss ratio for 2017. The table is sorted by market share; however, you can sort as you like.

CompanyDirect Premiums WrittenLoss RatioMarket Share
State Farm Group$1,512,62273.76%33.57%
Progressive Group$602,56465.32%13.37%
Allstate Insurance Group$502,61653.33%11.15%
Geico$432,09575.64%9.59%
Liberty Mutual Group$253,83668.10%5.63%
USAA Group$248,89486.36%5.52%
Southern Farm Bureau Casualty Group$231,08670.01%5.13%
Goauto Insurance Co$144,62674.36%3.21%
Amtrust NGH Group$104,34367.11%2.32%
Safeway Insurance Group$72,94067.02%1.62%

Keep in mind that these loss ratios are for all coverage types combined.  It is clear that the loss ratios of these top ten companies contribute to the state’s overall loss ratio of 99.68 for claims made against uninsured/underinsured motorists coverage.

– Car Insurance Companies with the Best Ratings

Reviewing ratings provided by third-party entities such as A.M. Best is a great place to start in narrowing down your options. These agencies take into consideration many factors that lead to their judgment of a company’s credibility and financial outlook.

CompanyFinancial Rating
Allstate Insurance GroupA+
Amtrust NGH GroupNot Rated (NR)
GeicoA++
Goauto Insurance CoNot Rated (NR)
Liberty Mutual GroupA
Progressive GroupA+
Safeway Insurance GroupA
Southern Farm Bureau Casualty GroupA+
State Farm GroupA++
USAA GroupA++

Just as important as a company’s future financial stability are ratings in customer satisfaction.

JD Power Power Circle Ratings look at a wide variety of customer satisfaction variables pulled from surveys completed by actual consumers of a company’s products and services. The ratings below cover the southeast region which is comprised of eight states to include Louisiana.

– Companies with Most Complaints in Louisiana

Now that you have reviewed the more positive side with financial outlook and customer ratings for several companies, it is critical to weigh the bad as well.

The table below shows the number of complaints and the complaint ratio compared to their market share and direct premiums written for each of the top ten companies that provide auto insurance in Louisiana for 2017.

A company with a complaint index of 1 has an average number of complaints. A company with a complaint index higher than 1 has more complaints than average. The table is sorted based on the lowest complaint ratio. Feel free to sort the table.

CompanyDirect Premiums WrittenMarket ShareNumber of ComplaintsComplaint Index
Allstate Property & Casulty$334,999,1337.43%250.343496
Safeco$109,688,7942.43%100.419627
Louisiana Farm Bureau$224,526,2824.98%250.512505
Progressive$435,995,4419.68%590.622868
State Farm$1,417,799,32431.46%2230.723962
Geico$310,652,0976.89%701.037169
Progressive$166,568,3493.70%391.0777
Allstate Insurance Co$126,806,4382.81%411.488225
Liberty$114,475,7682.54%381.527904
GoAuto$144,626,0943.21%742.355109

Bear in mind that this data is determined by official complaints submitted in writing to the Louisiana Department of Insurance and may not provide a full picture of consumer opinions.

– State Car Insurance Rates by Company

Now to the good stuff!  We revealed earlier that Louisiana has the highest rates in the country.

In this section, we cover average annual rates for the top five companies in Louisiana based on unique factors to you: your commute, driving record, and chosen coverage level.

But first, let’s look at the average rates by company overall.

CompanyAverageHigher/Lower Rate than State AverageHigher/Lower Percentage than State Average
Allstate P&C$5,998.79$287.44+4.79%
Geico Cas$6,154.60$443.25+7.20%
Progressive Security Ins.$7,471.10$1,759.75+23.55%
State Farm Mutual Auto$4,579.12-$1,132.22-24.73%
USAA$4,353.12-$1,358.23-31.20%

As you can see in the table above, USAA and State Farm have the best rates compared to the state average.  Note that USAA offers services to only active and retired military and their family members. If this doesn’t apply to you, State Farm may be a good option.

– Commute Rates in Louisiana

Company10 miles commute / 6,000 annual mileage25 miles commute / 12,000 annual mileage
Allstate$5,998.79$5,998.79
Geico$6,034.79$6,274.40
Progressive$7,471.10$7,471.10
State Farm$4,461.13$4,697.11
USAA$4,218.32$4,487.91

If you have a long commute, getting a policy with Allstate or Progressive is a good option because both of these companies don’t charge more for a longer commute.

– Coverage Rates in Louisiana

In most states, the adage “buy in bulk” applies in that the higher the liability limits you select, the better deal you are getting on coverage.

Unfortunately, that is not the case in Louisiana, as you can see in the table below.

GroupLow CoverageMedium CoverageHigh Coverage
Allstate$5,185.16$6,109.21$6,702.00
Geico$5,086.66$6,176.92$7,200.21
Progressive$6,193.86$7,406.27$8,813.16
State Farm$3,962.47$4,568.03$5,206.86
USAA$3,776.25$4,420.47$4,862.64

In most states, it could cost as little as $3-$17 per month to move from low or medium coverage to high coverage.

Louisiana car insurance rates are 13-30 percent higher for medium to high coverage levels.

– Credit History Rates in Louisiana

Your credit history can sometimes make a big difference in your auto insurance premium. If you see an increase in your premium, and you did not get a ticket and you were not in an accident, your credit score may have reduced into a lower threshold.

Insurance companies use this information to judge your likelihood of making a claim; however, getting to poor credit status takes some time unless you have risky spending habits in a short period of time.

CompanyGood CreditFair CreditPoor Credit
Allstate$4,726.27$7,236.85$8,444.80
Geico$4,788.40$6,353.32$7,859.57
Progressive$6,731.64$5,410.52$7,322.08
State Farm$3,300.33$4,086.69$6,350.34
USAA$3,207.81$3,841.14$6,010.39

It appears that Progressive is the most forgiving in its rates if you have poor credit.

– Driving Record Rates in Louisiana

No one plans to get caught speeding, cause an accident, or get caught drinking and driving; but, if one of these unfortunate things happen, expect your premium to increase.

CompanyClean recordOne Speeding TicketOne AccidentOne DUI
Allstate$4,753.81$7,221.89$7,221.89$6,443.95
Geico$4,180.19$6,755.09$6,755.09$8,315.63
Progressive$6,223.20$8,352.66$8,352.66$8,027.23
State Farm$4,196.97$4,961.27$4,961.27$4,579.12
USAA$3,321.63$4,611.20$4,611.20$5,514.32

In Louisiana, it looks like State Farm is the most lenient when it comes to infractions.

Also worth noting, most insurance companies (with the exception of Geico) have more leniency on drivers who are cited for a DUI.

FREE Auto Insurance Comparison

Compare quotes from the top auto insurance companies and save!

 Secured with SHA-256 Encryption

Though Louisiana’s rates are not that affordable in general, it is important to understand how and why the laws affect rates.

You can still get a reasonable rate if you do your research.

Keep reading to learn about the driving and insurance laws specific to the state of Louisiana.

Laws in Louisiana

So, the moment you’ve been waiting for…

Really, why are the rates so high?

Here’s one major reason…

Louisiana is a “direct action” state. This statute permits an injured plaintiff, after seeking the little to no liability coverage of the at-fault driver, to sue an insurance company for the lack of coverage under the policy purchased by the at-fault driver.

This means that if a lawsuit is filed against a defendant, and the bills still aren’t paid, another lawsuit can be filed against the insurance company, which has a lot more funds to shell out for damages and injuries.

So this means that car insurance companies have to charge even higher rates to protect their profit to loss margin.

You may be wondering, why haven’t lawmakers in Louisiana done anything about this?

Well, the state of Louisiana is a classic chicken and egg situation… and it dates back to 1918.

In fact, Louisiana was the state that set the standard for direct action statutes that are practiced (in some form) in only eight other states in the US.

This statute “expresses the long-held policy of the Bayou State that ‘an insurance policy against liability is not issued primarily for the protection of the insured but for the protection of the public.’  Davies v. Consolidated Underwriters, 6 So.2d 351 (La. 1942).”

Read more about this law here.

– Louisiana’s Attempts at More Affordable Rates

Lawmakers in Louisiana and the car insurance companies are making concerted efforts to respond to this chicken-egg dilemma.

Insurance companies in Louisiana have come up with an option to attempt to balance the scales, so to speak, and that is the option to have “economic-only” coverage uninsured/underinsured motorists coverage as we mentioned earlier.

Economic-only uninsured motorist insurance coverage is a relatively new development in Louisiana and was part of the 1997 legislative reform effort in Acts 1997, No. 1476, known as the “Omnibus Premium Reduction Act of 1997,” affectionately nicknamed the “No Pay, No Play” Act.

The offering of economic-only uninsured and underinsured motorist coverage was, on average, 20 percent below the uninsured and underinsured motorist coverage rates in place in 1997.

We ran a hypothetical quote with one of the insurance providers, and the economic-only quote ran only seven percent lower than the full uninsured motorist coverage at the same minimum level.

If you do consider purchasing economic-only uninsured motorist coverage, be sure to inquire about the difference in the two quoted amounts with each company.

With many customers looking to get the cheapest rate, your insurance company may try to entice you with the Louisiana-specific option of purchasing “economic-only” uninsured motorist coverage.

Word of caution…

If you do agree to “economic-only” coverage, this means that if an uninsured motorist hits you, you can make a claim ONLY for “economic-only” damages – those that equate to hard dollars such as property damage, lost wages, and medical bills.

Unfortunately, with this option, you will not be permitted to file a claim to cover arbitrarily-estimated costs such as pain, suffering, inconvenience, and mental anguish.

So this is one of the “bandaids” that Louisiana lawmakers and insurance companies have put in place to even out the playing field.

Basically, it equates to, “we will give you a lower premium if you sign over your right to claim for non-economic damages and injuries.”

But with rates as high as they are (still), some Louisiana residents may be inclined to lay down and take the money, or not get coverage at all, which is even worse.

Keep reading to find out the price you will pay for not purchasing car insurance in Louisiana.

– Penalties for Driving Without Insurance

You may be thinking: If I have to pay astronomical rates just to get unquestioned coverage in case an uninsured motorist hits me, what do they have to lose?

Well, don’t worry too much about the irresponsibility of the uncovered at-fault driver; their negligence is not tolerated.

As another part of the “No Pay, No Play” Act, if an uninsured person sustains property damage or bodily injury, and you are at fault (whether you have enough coverage or not), the uninsured individual starts in the hole

Driving without auto insurance in Louisiana carries a negative balance of $25,000 in property damages and $15,000 in personal injuries.

So, if you choose not to get auto insurance in Louisiana, that’s, merely to start, $40,000 worth of risk you take by not having any liability coverage.

Hold yourself accountable and purchase that auto insurance policy. If you don’t, you will lose what you already don’t have.

– Other Louisiana State Laws on Driving

Car insurance laws vary from state to state, and Louisiana is no different, as we have seen already. In this section, we cover more laws associated with car insurance.

– High-Risk Insurance

If you have a history of accidents or traffic violations, and you are finding it difficult to purchase coverage from an auto insurance carrier, the Louisiana Automobile Insurance Plan be a good option.

This plan is provided through a third party company called AIPSO. If you go to their website, you will notice a disclaimer at the top of the page releasing them from any liability. This company works with other states as well, but their sites do not have a disclaimer.

This is just further evidence why Louisiana car insurance rates are so high due to the potential of a company being sued.

– Low-Cost Insurance

Louisiana does not have any special low-cost programs for people who don’t have insurance. It is up to you, as the consumer, to shop around for the lowest rate. You can’t afford to NOT have insurance, especially starting $40K in the hole!

– Windshield Coverage

Louisiana law does not require insurance companies to provide windshield repair or replacement, but it is an option, especially if the damage is caused by a road hazard. The law does permit insurance companies to use aftermarket crash parts if included in the estimate. The deductible may vary but can not exceed $250.

– Automobile Insurance Fraud in Louisiana

Insurance fraud is considered a crime in Louisiana, and the state has a fraud bureau set up to investigate cases.

In 2017, over $3.5 billion was spent on investigating auto insurance fraud cases which made up 68 percent of all insurance fraud cases in Louisiana. Of the total auto claims fraud cases in 2017, 57 percent were from referrals made by individuals just like you.

With rates so high due to numerous lawsuits, do your part and report any suspected fraud.

You may be asking, could I get sued for reporting fraud?

Not to worry – two state laws provide complete immunity from a lawsuit if you, in good faith, report a person who is committing insurance fraud.

The Louisiana Department of Insurance has also made great efforts towards increasing awareness about insurance fraud. They provide a brochure and a 20-page handbook with tips on how to protect yourself and your family regarding all types of insurance, not just auto.

– Statute of Limitations

A statute of limitations is the limit on the amount of time you have, from the time of an accident, to bring a lawsuit to court. Most states differentiate time limits for personal injury and property damage matters.

However, Louisiana lumps it all into one, and you have only one year to file for the lawsuit, which is significantly less time than other states permit (2-3 years).

– Comparative Negligence

Louisiana is a “pure comparative fault” state based on the Louisiana Civil Code section 2323.

If you decide to file suit against an at-fault driver, pure comparative fault means that the amount of damages you are able to recover is reduced by the percentage the judge or jury finds you at fault.

For instance, if you turned right on red when it is prohibited and the other driver ran a red light, a judge or jury will decide the percentage of fault each driver had in the accident.

This percentage is then assigned and equated to the amount of money each driver can retain, so hire a good attorney!

– Louisiana’s Vehicle Licensing Laws

Let’s find out what licensing requirements exist in Louisiana for various populations.

– Teen Driver Laws

Young Driver Licensing LawsAge RestrictionsPassenger RestrictionsTime Restrictions
Learner's Permit15; obtain a temporary instruction permit (TIP) from the OMV; completion of driver education course; TIP is exchanged for a learner's permitno more than one passenger younger than 21 between the hours of 6 pm-5 am; no passenger restriction from 5 am-6 pm11 p.m. - 5 a.m.
Provisional License6 months holding period
50 hours, 15 of which must be at night
no more than one passenger younger than 21 between the hours of 6 pm-5 am; no passenger restriction from 5 am-6 pm11 p.m. - 5 a.m.
Full License16lifted at age 17lifted at age 17

– Older Driver License Renewal Procedure

Renewal ProceduresGeneral PopulationOlder Population
License renewal cycle6 years6 years
Mail or online renewal permittedboth, every other renewalnot permitted 70 and older
Proof of adequate vision required at renewalwhen renewing in person70 and older, every renewal

Louisiana does make an exception for those who 70 and older with a medically diagnosed disability that makes it difficult for them to renew in person. However, a sworn physician-certified affidavit must be submitted stating that the person possesses all cognitive functions reasonably necessary to be a prudent driver.

– New Residents

If you are planning to relocate to Louisiana, here are the things you need to do:

  • Obtain a Louisiana driver’s license within 30 days of establishing residency in Louisiana
  • Purchase an auto insurance policy before trying to register your vehicle
  • Take your out-of-state license or official driving record to register your car in person at one of the OMV locations
  • Provide one primary and one secondary form of identification
  • Provide proof of residency
  • Provide proof of insurance

– Louisiana’s Rules of the Road

Knowing some of Louisiana’s basic driving laws can keep you safe and will help you keep your rates from increasing.

Ready?

– Fault vs. No-Fault

The first thing to know is that Louisiana follows a traditional fault-based system when it comes to financial responsibility for losses stemming from a crash: that includes car accident injuries, lost income, vehicle damage, and so on.

To note, however, is that if a non-fault driver is not able to obtain the monetary value of their losses after an accident with the at-fault driver, the plaintiff is permitted to file suit against the car insurance company.

– Keep Right and Move Over Laws

Those driving in Louisiana must keep right at all times unless passing on the left or turning left. Drivers must also move right if they are blocking vehicles behind them.

Move over laws usually always apply to emergency vehicles; however, in Louisiana, this applies to any vehicle with flashing lights including tow trucks. If a driver is not able to completely vacate the lane closest to the stopped vehicle, they must slow to a safe speed.

– Speed Limits

Maximum posted speed limits are 75 mph on rural interstates, 70 mph on urban interstates, 70 mph on limited access roads, and 65 mph on all other roads.

– Carseat and Cargo Area Laws

A child safety seat must be in use for all children five years and younger or less than 60 pounds must be restrained in a

In failing to obey this law, you could be fined $100, or worse, put your child in danger.

Once a child turns 6 years old and weighs at least 60 pounds, he or she can ride in any seats. Louisiana law does not specify a preference for the back seat.

No person shall ride in the cargo areas of a pickup truck unless:

  • The person is 12 years of age or older and not on a major highway
  • The person is riding in a parade moving less than 15 mph
  • An emergency requires that people be in the cargo area

– Ridesharing

Rideshare services like Uber require that all their drivers maintain their own car insurance policies that meet at least the minimum coverages required by Louisiana law. However, if a driver wishes to obtain special coverage for this role, both USAA and State Farm offer specialized rideshare coverage.

– Automation on the Road

According to the Insurance Institute for Highway Safety (IIHS), “automation is the use of a machine or technology to perform a task or function that was previously carried out by a human. In driving, automation involves using radar, camera and other sensors to gather information about a vehicle’s surroundings, which is then used by computer programs to perform parts or all of the driving task on a sustained basis.”

Currently, Louisiana has no restrictions on autonomous vehicles.

– Louisiana’s Safety Laws

Buckling up and obeying the speed limits are two basic practices that ensure your safety and the safety of others on the streets of Louisiana. Other laws exist to prevent reckless or impaired driving.

– DUI Laws

PenaltyFirst OffenseSecond OffenseThird OffenseFourth and Subsequent Offenses
License Suspension1 year/hBAC 2 years2 years/hBAC 4 years3 yearsvehicle seized
Imprisonment48 hours in jail + up to 6 months OR fine; up to 2 years probation48 hours+1-5 years w/ or w/o hard labor10-30 years, two years served w/o suspension or parole + home incarceration for at least 1 year
Fine$300-$1000 +$100 reinstatement fee$750-$1000 +$200 reinstatement fee$2000 +$300 reinstatement fee$5000 +$300 reinstatement fee
Other30 hours reeducation, 32+ hours community service, half must be street garbage pickuppossible 30 days community service +reeducation requirements of 1st DWI30 days community service, evaluation for addictive disorder, IID, probabtion and home incarceration for any part of suspended sentence40 days community service

As you can see in the table above, Louisiana has lenient laws regarding drinking and driving, especially compared to other states. An offense is not classified as a crime until the third and fourth citation.

– Marijuana-Impaired Driving Laws

Louisiana currently has no marijuana-specific impaired driving laws.

– Distracted Driving Laws

All distracted driving laws in Louisiana are primarily enforced meaning that you can be pulled over for the following violations.

Louisiana has a handheld ban for all drivers in signed school zones.

All learner’s permit holders and all intermediate license holders, no matter the age, are not to use a hand-held cellphone while driving. Drivers younger than 18 are prohibited from using any cellphone, which includes speakerphone or using a phone through car speakers.

Cellphone use is also not permitted for all drivers during the first year of being a licensed driver, no matter the age.

The cellphone ban is secondarily enforced for novice drivers ages 18 and older. Secondary enforcement means that you must be pulled over for another offense before you can be given a citation.

Louisiana: Fascinating Facts You Need to Know

How safe is it to drive in Louisiana?

Well, the data our researchers found might surprise you.

Let’s examine the statistics of theft and fatalities from risky driving behavior.

– Vehicle Theft in Louisiana

Here are the top-10 stolen cars in Louisiana:

VehicleNumber of Thefts (2016)
Chevrolet Pickup (Full Size)671
Ford Pickup (Full Size)584
GMC Pickup (Full Size)253
Toyota Camry224
Dodge Pickup (Full Size)222
Nissan Altima215
Honda Accord209
Chevrolet Impala177
GMC Yukon125
Chevrolet Tahoe114

Listed below are the three cities in which the most vehicles were stolen in 2013.

City# of Stolen Cars
New Orleans2,143
Shreveport504
Baton Rouge506

– Risky/Harmful Driving Behavior

The best way to stay safe while driving is to always keep your eyes on the road and stay aware of common risky driving issues in your state.

In 2017, there were 44 traffic-incident-related fatalities in Orleans Parish alone, comprising an 11.19 fatality rate per 100,000 of the population.

Let’s inspect the data a little more closely.

Weather and Light Condition Fatalities

Weather ConditionDaylightDark, but LightedDarkDawn or DuskOther / UnknownTotal
Normal27693219321621
Rain2015164055
Snow/Sleet100001
Other2480014
Unknown011035
TOTAL299113244364696

– Traffic Fatalities

TypeNumber of Fatalities
Traffic Fatalities 760
Passenger Vehicle Occupant Fatalities (All Seat Positions)488
Motorcyclist Fatalities96
Drivers Involved in Fatal Crashes1,041
Pedestrian Fatalities11
Bicyclist and other Cyclist Fatalities 22

– Traffic Fatalities by Person Type

Person TypeNumber
Occupants (Enclosed Vehicles)529
Motorcyclists96
Nonoccupants135

In rural areas, the number of traffic fatalities was lower than in urban areas (though not by much):  369 in rural versus 390 in urban.

– Fatalities by Crash Type

Crash TypeNumber
Single Vehicle440
Involving a Large Truck102
Involving Speeding177
Involving a Rollover204
Involving a Roadway Departure421
Involving an Intersection (or Intersection Related)141

– Five-Year Trend for the Top 10 Counties

County20132014201520162017
East Baton Rouge Parish4150435265
Orleans Parish5350505544
Calcasieu Parish2424364738
Caddo Parish2940362736
Tangipahoa Parish2622364031
St. Tammany Parish2022262330
Terrebonne Parish2219162029
Ascension Parish2323192128
Jefferson Parish2224263428
Ouachita Parish2223212028

– Fatalities Involving Speeding by County

CountyFatalities
Tangipahoa Parish 14
Lafourche Parish11
Terrebonne Parish 11
St. Tammany Parish10
Caddo Parish9
Livingston Parish8
Ascension Parish7
Orleans Parish7
St. Martin Parish7
Calcasieu Parish6
Ouachita Parish6
Vernon Parish 6
East Baton Rouge Parish5
Lafayette Parish5
Bossier Parish4
East Feliciana Parish4
Rapides Parish4
St. Charles Parish 4
Washington Parish 4
West Baton Rouge Parish4
Jefferson Parish3
Acadia Parish2
Caldwell Parish2
De Soto Parish2
Evangeline Parish2
Iberia Parish2
Lincoln Parish2
Pointe Coupe Parish2
Red River Parish2
St. Landry Parish2
Winn Parish2
Assumption Parish1
Franklin Parish1
Grant Parish1
Iberville Parish1
Jefferson Davis Parish1
Madison Parish1
Plaquemines Parish1
Richland Parish1
Sabine Parish1
St. Bernard Parish 1
St. Helena Parish1
St. John the Baptist Parish1
St. Mary Parish1
Webster Parish 1
West Carroll Parish1
Allen Parish0
Avoyelles Parish0
Beauregard Parish0
Bienville Parish0
Cameron Parish0
Catahoula Parish0
Claiborne Parish0
Concordia Parish0
East Carroll Parish0
Jackson Parish0
La Salle Parish0
Morehouse Parish0
Natchitoches Parish0
St. James Parish0
Tensas Parish 0
Union Parish 0
Vermilion Parish 0
West Feliciana Parish0

– Fatalities in Crashes Involving an Alcohol-Impaired Driver by County

CountyFatalities
East Baton Rouge Parish19
Orleans Parish16
Caddo Parish14
Terrebonne Parish13
Calcasieu Parish12
Ouachita Parish8
Ascension Parish7
St. Landry Parish7
Tangipahoa Parish7
Jefferson Parish6
St. Helena Parish6
St. Martin Parish6
St. Tammany Parish6
Lafayette Parish5
Lafourche Parish5
West Baton Rouge Parish5
Acadia Parish4
Livingston Parish4
Avoyelles Parish3
Bossier Parish3
Evangeline Parish3
Pointe Parish3
St. Mary Parish3
Vernon Parish3
Webster Parish3
East Feliciana Parish2
Franklin Parish2
Grant Parish2
Iberia Parish2
Iberville Parish2
Jefferson Davis Parish2
Lincoln Parish2
Rapides Parish2
Red River Parish2
Sabine Parish2
St. Charles Parish2
Vermilion Parish2
Washington Parish2
Beauregard Parish1
Caldwell Parish1
Cameron Parish1
De Soto Parish1
Jackson Parish1
La Salle Parish1
Madison Parish1
Morehouse Parish1
Plaquemines Parish1
Richland Parish1
St. James Parish1
West Feliciana Parish1
Allen Parish0
Assumption Parish0
Bienville Parish0
Catahoula Parish0
Claiborne Parish0
Concordia Parish0
East Carroll Parish0
Natchitoches Parish0
St. Bernard Parish0
St. John the Baptist Parish0
Tensas Parish0
Union Parish0
West Carroll Parish0
Winn Parish0

– Teen Drinking and Driving

Teens and Drunk DrivingData
Alcohol-Impaired Driving Fatalities Per 100K Population1.3
Higher/Lower Than National Average (1.2)higher
DUI Arrest (Under 18 years old)32
DUI Arrests (Under 18 years old) Total Per Million People28.73

As shown in the table above, compared to other states, Louisiana is ranked 45th in the nation for most teens per million who have been arrested for a DUI.

However, the fatality rate of teens who drink and drive is slightly higher than the national average.

– EMS Response Time

LocationTime of Crash to NotificationArrivalArrival at Scene to HospitalTime of Crash to Hospital
Rural5 minutes14 minutes45 minutes1 hour, 3 minutes
Urban4 minutes8 minutes33 minutes35 minutes

– Transportation

If you live in Louisiana, chances are you live in a two-car, or more, household, drive alone to work, and spend 10-34 minutes commuting.

– Car Ownership

– Commute Time

With an average commute time of 24.2 minutes, Louisiana ranks below the national average of 25.3 minutes, but not by much.

That means 2.88 percent of Louisiana residents suffer through a “super commute” spending in excess of 90 minutes in the car!

– Commuter Transportation

Most people in Louisiana drive to work alone.

– Traffic Congestion

Is traffic a major problem in Louisiana?

According to the INRIX Scorecard, New Orleans, ranked 26th in the US for worst traffic.  Those who drive in New Orleans sit in traffic for 73 hours per year! This time spent in congestion equates to $1,023 per driver.

Don’t waste another minute while you wait. Start comparison shopping car insurance rates today!

References:

  1. https://www.nolo.com/legal-encyclopedia/louisiana-car-insurance-laws.html
  2. http://web01.dps.louisiana.gov/omv1.nsf/58c968bd569b099986256cdc000806eb/89f0a313d753f522862564cf004a2c5f?OpenDocument
  3. http://dpsweb.dps.louisiana.gov/omvfielddirections.nsf/%24parish?openview
  4. http://web01.dps.louisiana.gov/Omv1.nsf/acce65bbc894ad57862570cb004f8d68/233e2452607c7b1d862564b60047cf69/%24FILE/3011.pdf
  5. https://smartasset.com/taxes/louisiana-tax-calculator
  6. https://www.quicken.com/taking-inventory-your-personal-finances-how-much-your-paycheck-should-you-budget-bills-s
  7. https://www.naic.org/
  8. https://www.tomorrowmakers.com/motor-insurance/understanding-benefits-7-major-car-insurance-riders-listicle
  9. https://www.nytimes.com/2019/01/18/your-money/car-insurance-gender-california.html
  10. http://www.ambest.com/home/default.aspx
  11. http://ldi.la.gov/onlineservices/complaintindex/
  12. https://www.keanmiller.com/files/direct_action_statutes.pdf
  13. https://propertycasualtyfocus.com/louisianas-direct-action-statute-modify-terms-coverage/
  14. https://www.ldi.la.gov/docs/default-source/documents/legaldocs/bulletins/bul08-05-cur-act1476omnibuspremiu.pdf?sfvrsn=11db7352_12
  15. https://www.ldi.la.gov/docs/default-source/documents/publicaffairs/consumerpublications/auto-insurance-guide.pdf
  16. https://www.gaarlaw.com/blog/2016/05/how-does-uninsured-motorist-insurance-work-in-louisiana.shtml
  17. https://www.aipso.com/Plan-Sites/Louisiana
  18. http://www.lsp.org/pdf/IFU_2017_Annual_Report.pdf
  19. http://www.ldi.la.gov/docs/default-source/documents/publicaffairs/consumerpublications/just-don’t-do-it.pdf?sfvrsn=9
  20. http://www.ldi.la.gov/docs/default-source/documents/publicaffairs/consumerpublications/insurance-fraud-a-crime-that-affects-everyone.pdf?sfvrsn=fe8f7c52_33
  21. https://www.nolo.com/legal-encyclopedia/louisiana-car-accident-laws.html
  22. https://legis.la.gov/legis/Law.aspx?d=109387
  23. https://www.expresslane.org/Pages/OfficesLocations.aspx
  24. https://www.powerdms.com/public/LADPSC/documents/368154
  25. https://www.iihs.org/iihs/topics/laws/safetybeltuse?topicName=safety-belts
  26. https://www.nolo.com/legal-encyclopedia/i-was-hit-by-an-uber-or-lyft-driver-what-now.html
  27. https://www.iihs.org/iihs/topics/laws/driving-automation
  28. https://www.responsibility.org/alcohol-statistics/state-map/state/louisiana/
  29. https://cdan.nhtsa.gov/
  30. https://datausa.io/profile/geo/louisiana/
  31. http://inrix.com/scorecard/

FREE Auto Insurance Comparison

Compare quotes from the top auto insurance companies and save!

 Secured with SHA-256 Encryption

[0-9]
[0-9]