Full-coverage average sourced from
Insurify (2026-06). Minimum-coverage figure and the estimator adjustments are estimates — see
methodology.
The one thing that sets Louisiana apart
Second-highest in US; jury-trial threshold and litigation drive premiums.
Minimum vs. full coverage in Louisiana
What each coverage level costs on the Louisiana average — so you can see what "going minimum" really saves, and risks.
| Coverage level | Est. / year | Est. / month |
|---|
| Minimum | $850 | $71 |
| Liability Only | $1,380 | $115 |
| Full | $2,500 | $208 |
| Full Low Deductible | $3,050 | $254 |
Minimum coverage saves about $1,654/yr vs full — but caps protection at 15/30/25. One at-fault crash above those limits and the gap is yours.
Louisiana car insurance FAQ
- What's the minimum car insurance required in Louisiana?
- Louisiana's state minimum is 15/30/25 — $15k bodily injury per person, $30k per accident, $25k property damage. Minimum-only runs about $850/yr but leaves you exposed above those caps.
- How much is full coverage in Louisiana?
- Representative full coverage averages $2,504/yr (about $209/mo), ranking Louisiana #40 of 51 states for cost.
- Why is Louisiana car insurance priced the way it is?
- Second-highest in US; jury-trial threshold and litigation drive premiums.