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Louisiana Auto Insurance [Rates, Discounts, + More]

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

From the Bayou country surrounding Lake Pontchartrain to the anything-goes attitude in New Orleans, residents are happy to celebrate and enjoy life to the fullest. But all of that celebrating can be expensive, especially since Louisiana has some of the highest insurance rates in the country.

Consumers in Louisiana paid an average of $1,364 for car insurance in 2015.

We know car insurance isn’t something you want to spend a lot of time on, so that’s why we’ve compiled this comprehensive guide about cheap car insurance in Louisiana. We’ve done the work for you so you can get on with life and the things which matter. Enter your ZIP code to get started.

Louisiana Car Insurance Coverage & Rates

Whether you love the Saints, or root for the Tigers, we’re always looking for ways to save money. But what about car insurance?

The median household income in Louisiana is $52,000, and drivers, on average, paid over $1,364 for car insurance. That’s certainly nothing to love or worth cheering about that. Were you one of them?

Next, we’re going to show you what coverage you have to have in Virginia, and other options, so you can choose the best coverage for your needs.

– Louisiana’s Car Culture

The state of Louisiana has some of the worst public transportation systems in the country, so residents prefer to drive themselves most of the time. But what are they driving? Light most southern states, Louisiana drivers love their trucks and SUVs.

According to the Hartford, car culture is big in Louisiana, and antique and hot rod enthusiasts put on regular shows and events. Although professional racing is rare in Louisiana, the NOLA Motorsports Park offers a venue where visitors can rent all forms of vehicles to drive on the 2.75-mile track.

– Louisiana Minimum Coverage

Car insurance. It’s something most of us who drive are required to have. Each state has minimum requirements, and we hope you never have to deal with, or end up in, one of these dire situations. But if you do, the basic coverage requirements in Louisiana which all motorists must have for liability insurance are:

  • $15,000 to cover the death or injury of one person
  • $30,000 to cover the death or injury of more than one person
  • $25,000 to cover property damage

Liability insurance pays all individuals drivers, passengers, pedestrians, etc. — who are owed compensation for property damage and injuries resulting from a car accident that you or anyone under your policy causes. If you cause an accident, liability insurance pays everyone affected by the crash.

– Forms of Financial Responsibility

What is financial responsibility? Financial responsibility is proof that you have Louisiana’s minimum liability coverage. State laws require every driver and owner of a vehicle to have evidence of financial security at all times.

Acceptable forms of proof of insurance are:

  • Valid liability insurance ID cards
  • Copy of your current car’s insurance policy
  • Valid insurance binder (a temporary form of car insurance)
  • Electronic insurance card

If you drive without proof of insurance, you are breaking the law.

According to the Louisiana Department of Insurance:

Driving without insurance — or being involved in a crash without insurance — can result in the imposition of a fine of $500 to $1,000, plus the suspension of driving privileges, impoundment of a vehicle, revocation of registration, or cancellation of license plates.

Additionally, if you drive without insurance in Louisiana, the state’s “No Pay, No Play” law may also prohibit you from collecting specific amounts after a car accident, even if the other driver is at fault; specifically:

  • the first $25,000 in property damages
  • the first $15,000 in personal injuries

Remember, having and showing evidence of insurance are required by state law in Louisiana.

– Premiums as a Percentage of Income

In Louisiana, the per capita disposable income is $37,787. On average, residents spend $1,364 a year on car insurance. To put this amount in perspective, the nationwide annual average for car insurance is $981. This means motorists in Louisiana pay nearly $400 more than the countrywide average.

When we look at surrounding states like Texas, Arkansas, and Mississippi, the Pelican State still has the highest rates for car insurance, but these state rates are close behind.

Over the last three years, Louisiana’s average car insurance rate has increased by about $90.

You can also use our calculator to know how much you are spending on premiums.

CalculatorPro

– Core Coverage

Minimum liability coverage is not your only option when it comes to car insurance in Louisiana. You can choose from a variety of plans, including those detailed by the National Association of Insurance Commissioners:

  • Liability – $775.83
  • Collision – $414.36
  • Comprehensive – $215.17
  • Combined – $1,405.36

The national average for full coverage comes in at $1,009.38. As you can see, Louisiana’s average annual cost for full coverage far exceeds that number by nearly $400.

– Additional Liability

To assess the financial health of insurance companies, you should look at its loss ratios. Loss ratios are the money insurance companies payout on claims compared to the money they take in on premiums.

For example, if an auto insurer collects $100,000 of premiums in a given year and pays out $45,000 in claims, the company’s loss ratio is 45 percent ($45,000 incurred losses/$100,000 earned premiums).

Check out the loss ratio for these two types of coverage in Louisiana.

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

In most situations, you’ll want to work with a provider (and choose a coverage type) that has a loss ratio between 60 and 70 percent.

– Add-Ons, Endorsements, & Riders

No one wants to have an accident, but if you do, will you have enough protection for you and your family? Or if you’re hiring a rental car for your holiday, will your car insurance cover it? Have you considered adding extra coverages to your policy?

Choosing from a list of options can be daunting, and we know you want the best options for your family at affordable prices. To help you decide, we’ve made a list of affordable options to add to your policy. Check out the selections below:

  • Guaranteed Auto Protection (GAP)
  • Personal Umbrella Policy (PUP)
  • Rental Reimbursement
  • Emergency Roadside Assistance
  • Mechanical Breakdown Insurance
  • Non-Owner Car Insurance
  • Modified Car Insurance Coverage
  • Classic Car Insurance
  • Usage-Based or Pay-As-You-Drive Insurance

– Male vs. Female Rates

You may have heard that men have to pay more for car insurance because they’re reckless drivers. While some people say just the opposite and that women pay more.

As the table below reflects, neither claim is always correct:

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

In fact, age has more of an influence on how much you pay for car insurance. Teenagers, regardless of their gender, have to pay more for their coverage than middle-aged adults do.

– Cheapest Rates by ZIP Code

In addition to gender and age, where you live can affect your auto insurance rates. We’ve collected data on the least and most expensive ZIP codes, so search to see where your ZIP code lands on the list.

Zip codeHighest Average RateZip codeLowest 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

The ZIP codes with the highest rates are from the New Orleans Metropolitan area and are thousands more than comparable coverage in more urban locales.

– Cheapest Rates by City

We’ve also collected data on car insurance rates by city. Below is a list of the least expensive and most expensive cities for car insurance. Enter your city in the search box to see your city’s cost.

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

Amazingly, residents in Hornbeck paid over $4,000 less for car insurance than those who lived in New Orleans.

Best Louisiana Car Insurance Companies

If you own a vehicle, there’s a good chance you are paying too much for your insurance. But it isn’t just cost that should be considered when shopping for car insurance.

Who wants to spend time looking for the lowest price? That’s why we’ve done all the work for you and researched the best insurance carriers in Louisiana so you can make the best choice for your situation. We’ve looked at companies’ financial ratings, A.M. Best’s ratings, and which companies have the most complaints.

Keep reading to learn about Louisiana’s auto insurance providers.

– The Largest Companies’ Financial Rating

Loss ratios play a large part in how secure a company is doing financially. That’s why we want to include A.M. Best ratings, which look at loss ratios to determine if a company has solid financial security.

So you can see how the 10 largest companies in Louisiana are doing, we’ve included the A.M. Best ratings for each.

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++

– Companies with the Best Ratings

Louisiana drivers who want greater insight into customer satisfaction can turn to J.D. Power. For years, the company has surveyed consumers and analyzed their feedback. J.D. Power delves into whether drivers are happy with their insurance company.

Through its 2019 U.S. Auto Insurance Study, auto insurance companies are ranked by region and measured in five areas (in order of importance):

  • Interaction
  • Policy offerings
  • Price
  • Billing process and policy information
  • Claims

J.D. Power additionally assigns “Power Circle Ratings” to each insurer. They are:

  • Five out of Five Circles, also known as “Among the Best”
  • Four out of Five Circles/”Better than Most”
  • Three out of Five Circles/”About Average”
  • Two out of Five Circles/”The Rest”
CompanyCustomer Satisfaction
Index Rating
(out of 1,000)
JDPower.com
Power Circle Ratings
  
Farm Bureau Insurance8885/5
Erie Insurance8704/5
Alfa Insurance8554/5
NC Farm Bureau8554/5
State Farm8534/5
Auto-Owners Insurance8524/5
Southeast Average8413/5
Geico8383/5
KY Farm Bureau8303/5
Safeco8293/5
Nationwide8283/5
Progressive8242/5
Travelers8222/5
National General8202/5
MetLife8142/5
Allstate8132/5
Liberty Mutual8092/5
USAA8785/5

Of the larger providers, State Farm and Geico lead the way with overall satisfaction scores of 853 and 838. Conversely, Liberty Mutual is at the bottom of the list when it comes to customer satisfaction, with a score of 809.

Lastly, it’s worth mentioning USAA’s status on this list. Though the insurer is part of the study, it is not ranked. This is because USAA is only open to U.S. military personnel and their families, and therefore, is not included in J.D. Power’s overall rankings.

Next, let’s check out their record of official complaints.

– Companies with Most Complaints in Louisiana

One thing to keep in mind is that a high complaint index doesn’t necessarily mean you should avoid a company. You should also look at a company’s customer satisfaction ratings, because how a company deals with complaints is also important.

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

GoAuto has the highest complaint index in Louisiana. This means, essentially, that the number of complaints they receive far exceeds what you would expect for the company based on its market share.

If you want more details of the complaints or to check out other insurers, the data is provided in the Consumer Insurance Search section on the website of the National Association of Insurance Commissioners.

– Cheapest Companies in Louisiana

Do you like saving money? We do. That’s why we’ve compiled a list of the companies that have the cheapest rates in Louisiana. To save money, you should shop around to see what’s available. The table below displays the top carriers in Louisiana and their average rate for all drivers and compares it to the state average of all companies.

CompanyAverageCompared to State AveragePercentage Separation
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%

According to the data, State Farm and Allstate are the companies you should consider first if you’re looking for the cheapest car insurance.

– Commute Rates by Companies

At some companies, how far you drive each day influences your insurance rates. Beyond age, gender, location, marital status, and carrier, other factors that affect your quoted rates from each carrier are those specific to your situation, such as how much coverage you want, credit history, and driving record.

The tables below compare such factors based on each carrier.

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
Most company rates don’t change when the drive shortens to a 10-mile commute, except for State Farm and Geico, who offer rate reductions of over $240.

– Coverage Level Rates by Company

Do you need better coverage, but are unsure how much more you’ll pay for higher coverage? The following table shows the differences in coverage levels.

CompanyLow 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

For example, the data above shows State Farm has the lowest increases at $1,200 from low to high coverage.

– Credit History Rates by Companies

The quality of your credit score impacts your insurance rates. In Louisiana, the average credit score is 650, which is well below the nationwide average of 675. This means drivers may pay more for their car insurance than those in neighboring states.

The table below shows what you can expect to pay yearly on car insurance based on your credit history.

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

If you have coverage through Allstate and have poor credit, you can expect to pay nearly $3,600 more for car insurance than someone with good credit.

– Driving Record Rates by Companies

A clean driving record is the easiest way to keep rates down. As you can see from the information below, at Progressive, just one speeding violation can raise your rate by over $2100.

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

A better record equals better rates. We encourage you to obey posted speed limit signs and NOT drink and drive.

– Number of Insurers in Louisiana

Domestic insurance means a company is formed under Louisiana’s state laws, whereby a foreign provider is formed under the laws of any state in the country.

  • Domestic Insurers: 34
  • Foreign Insurers: 819

Just because an insurance provider isn’t considered a domestic insurer, it doesn’t mean they will charge you more for your car insurance. We encourage you to comparison shop and see which companies offer the best quotes based on your situation.

Louisiana Laws

Insurance companies are subject to specific rules and regulations. Let’s look at some of the particular laws for consumers regarding car insurance.

– How Louisiana Laws for Insurance are Determined

Every state is required to follow a regulation mechanism to implement new rates, and the options include determined by Commissioner, prior approval, modified prior approval, flex rating, file and use, use and file, and no file.

Louisiana uses what’s called “prior approval” when car insurance companies want to file a new law. But what does prior approval mean?

Prior approval means that rates/forms must be filed with and approved by the state insurance department before they can be used. Approval can be by means of a deemer provision, which indicates approval if rates/forms are not denied within a specified number of days.

It may be something you haven’t thought about a lot, but how laws are determined can have a significant impact on your car insurance rates.

– Car Insurance Laws

Louisiana is a direct action state. This means injured passengers do not have to allow the driver responsible for an accident to take care of their expenses. Instead, that passenger can sue the at-fault driver’s car insurance provider for their damages.

This video explains more:

If you incur any other expenses after getting into an accident while operating under this type of coverage, you’re going to have to see to them yourself.

– Windshield Coverage

Unfortunately, there aren’t any laws regarding windshield repair in Louisiana at this time. However, individual insurance companies may offer windshield repair coverage with a comprehensive insurance plan. Louisiana law does require insurance providers to offer aftermarket crash parts to drivers who’ve been in an accident, as long as the applicable deductible does not exceed $250.

–  High-Risk Insurance

What happens with motorists who consistently accumulate points on their driving record? Initially, insurance providers raise their rates, but at times, it gets riskier to insure such motorists. When a motorist becomes high-risk, they can be denied coverage by insurance providers and may have to get a SR-22 or high-risk insurance.

Louisiana offers the Louisiana Automobile Insurance Plan to high-risk drivers. This plan operates through AIPSO, and while they will not take responsibility for your bad driving habits, they will ensure that you have the state minimum liability coverage.

– Low-Cost Insurance

Though Louisiana has a program to help high-risk drivers, it doesn’t have one for low-income drivers.

California, Hawaii, and New Jersey are the only states with government-funded programs to help low-income drivers pay for their car insurance.

– Automobile Insurance Fraud in Louisiana

What is automobile insurance fraud? Creating a claim for damages or injuries that never occurred (such as faking an accident) or adding “extra” costs onto a legitimate claim are examples of fraud.

If you know someone who has committed insurance fraud or you need to contact the Louisiana State Insurance Department, you can visit their website at www.ldi.la.gov, follow them on Twitter @LAInsuranceDept, or give them a phone call at 1-800-259-5300.

– Statute of Limitations

The statute of limitations is the amount of time you have after an accident to file a claim with your car insurance provider.

In Louisiana, you have one year from the date of the accident to file a claim if you want your car insurance provider to help you pay for any property damage or personal injuries.

– Louisiana-Specific Laws

Every state makes its laws, and they may be similar to ones already on the books in other states. One rule we discovered which is unique to New Orleans is horses may not be tied to a tree on a public highway.

– Vehicle Licensing Laws

Louisiana, just like every other state, has mandatory licensing laws in addition to the statute of limitations and car insurance laws we previously covered.

– REAL ID

Louisiana is in full compliance with the REAL ID Act passed by Congress and enforced by Homeland Security. This means that a driver’s license or state ID issued by the Pelican State is an acceptable form of identification at federal facilities, airports, and nuclear power plants.

The deadline for being compliant with the REAL ID Law is October 1, 2020.

– Penalties for Driving Without Insurance

Car insurance is more expensive in Louisiana than most other states, so it may be tempting to drive uninsured. That’s not something we recommend because the penalties for driving while uninsured are severe.

The first time you are caught driving without car insurance, you’ll have to suffer the following consequences:

  • Fine: $500 to $1000
  • If in a car accident, fine plus registration revoked and driving privileges suspended for 180 days

Furthermore, if you are in an accident, the law states that “anyone caught driving without insurance in Louisiana will automatically owe $25,000 in property damage and $15,000 in personal damages to any person they get into an accident with.”

The easiest thing to do to avoid all of these hassles and headaches is to make sure you maintain the state minimum requirements for car insurance.

– Teen Driver Laws

In the state of Louisiana, you must be at least 15 years old to start driver’s education classes. However, there are requirements that must be met before turning 16 years old and getting a restricted driver’s license.

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 Procedures

Once you receive a full license, you will need to renew it on a consistent cycle. As you can see in the table below, non-teenage drivers and drivers younger than 70-years-old will need to renew their licenses every six years.

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

– New Residents

If you’ve recently moved to Louisiana, make sure you complete the following tasks within 20 days of taking up residency:

  • Obtain a Louisiana driver’s license
  • Purchase an auto insurance policy
  • Register your car with the local OMV

– Negligent Operator Treatment System (NOTS)

Negligent or reckless operation of a vehicle is a crime in Louisiana. The offense is defined as driving in a “criminally negligent or reckless manner.” In other words, a person can be convicted of reckless operation for driving in a way that a reasonably careful person would know is dangerous.

Reckless operation is a misdemeanor in Louisiana. The possible penalties for a violation are:

  • First offense: A first reckless operation conviction carries up to 90 days in jail and $200 in fines
  • Repeat offense: For a second or subsequent reckless operation conviction, the driver faces ten days to six months in jail and $25 to $500 in fines

Motorists who are convicted of three reckless operation offenses within 12 months could receive a 24-month license suspension.

– Rules of the Road

We all should obey the rules, but if you’re new to the state, there may be laws you’re unfamiliar with. That’s why we’ve assembled a list of several relevant laws to help keep you in good standing and on the road.

– Fault vs. No-Fault

Louisiana is a fault-based state, which means if you are the cause of a car accident, you are responsible for any damage caused.

– Seat Belt & Car Seat Laws

In Louisiana, all adult drivers and passengers are required to wear safety belts. This law is under primary enforcement, meaning a police officer can pull you over just because they see you’re not strapped in.

Child passengers must follow the following guidelines.

  1. Children who weigh less than 60 pounds or who are younger than five years old will need to be in an appropriate car seat. If they’re not, and you’re spotted by law enforcement, you may have to pay a fine of up to $100.
  2. After a child turns six or passes 60 pounds in weight, Louisiana law states that they can sit in a passenger seat unaided.
  3. However, neither children nor adults are permitted to ride in the cargo area of a pickup truck, with the following exceptions: Passengers older than 12 years old, not riding on a major highway. Passengers in a parade driving at speeds below 15 mph. Anyone, if a state-wide or local emergency has been declared.

– Keep Right & Move Over Laws

If you’re driving slower than the posted speed limit or if you’re not looking to pass a car in front of you, then Louisiana law dictates you must remain in the right-hand lane of the interstate.

You must also move over for vehicles that have their lights flashing, regardless of whether they’re marked as emergency vehicles. These vehicles include but are not limited to:

  • Police cruisers
  • Ambulances
  • Firetrucks
  • Tow trucks
  • Recovery vehicles

– Speed Limits

Across Louisiana, these are the maximum speed limits, unless otherwise posted:

  • Rural areas – 75 mph
  • Urban areas – 70 mph
  • Limited access roads – 70 mph
  • All other roads – 65 mph

We encourage you to obey posted speed limit signs.

– Ridesharing

Companies like Uber and Lyft have changed the way many Americans get to their destinations by providing rides and job opportunities.

If you are looking for ridesharing insurance in Louisiana, check out the following insurance providers:

  • Allstate
  • USAA
  • Geico
  • State Farm

Please keep in mind that some insurance companies may refuse to insure you if you are in the ridesharing business.

– 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.”

Presently, Louisiana doesn’t currently have any laws about automation on the books.

– Safety Laws

Up next, we take a closer look at the safety laws in Louisiana so that you can arrive alive. Please don’t drink and drive.

– DUI Laws

Driving while impaired has disastrous results for everyone involved, and that’s why strict laws are in place to prevent such tragedies. In Louisiana alone, drunk driving caused 212 deaths in 2017. Each state differs in how they address drunk driving and therefore have different penalties.

The table below shows detail on what a driver will face if they are charged and convicted of DUI.

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

We encourage you to never be in this situation and never drink and drive. Not only can you lose your driver’s license, but you can also lose your life.

– Distracted Driving Laws

Louisiana’s legislation regarding handheld devices states that:

  • Handheld bans apply to all drivers in signed school zones
  • Learners’ permit holders and intermediate license holders cannot use their cellphones while behind the wheel of a car
  • Drivers under the age of 18 cannot legally use a cellphone while driving, even if the cellphone is projecting through the car’s speakers or is connected to the car via Bluetooth
  • Anyone driving a vehicle for the first time cannot use their cellphone for the first year of operation, regardless of their age

Distracted driving is bad news for everyone. Remember, put the phone down so you won’t get pulled over.

Driving in Louisiana

Now that you have a good understanding of Louisiana state laws, let’s dive into some facts that you might not know. While insurance is essential, it’s also crucial to know what to keep your eyes out for on the road.

– Vehicle Theft in Louisiana

In Louisiana, your pickup is far more likely to go missing than a sports car, as you can see based on this list of the top 10 vehicles most frequently stolen in the state:

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

One good way to deter car thieves is always to lock your vehicle when not in use.

– Vehicle Theft by City

Your location also impacts the likelihood of your car being stolen. Some cities in Louisiana, as you can see in the table below, are more prone to grand theft auto than others:

CityNumber of Stolen Cars
New Orleans2,143
Shreveport504
Baton Rouge506

Naturally, urban areas like New Orleans see more traffic, and as a result, more theft.

– Road Fatalities in Louisiana

Accidents happen, and next, we’re going to show you statistics from the National Highway Traffic Safety Administration for different kinds of accidents in Louisiana.

– Most Fatal Highway in Louisiana

According to the National Highway Traffic Safety Administration, Louisiana’s U.S. 90 is the most dangerous highway in the state, with an average of 27 fatal accidents per year. This statistic is plausible, as it is the most popular roadway in the state.

– Fatal Crashes by Weather Condition & Light Condition

Since states have different weather conditions to watch out for, we want to take a look at Louisiana’s fatalities during different types of weather conditions. The following table shows how many crashes occurred when weather and light conditions are a factor.

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

As you can see, most accidents occur during daylight hours.

– Fatalities (All Crashes) by County

The National Highway Traffic Safety Administration (NHTSA) has collected extensive data on crashes in Louisiana. One of the first statistics we want to look at is how fatalities vary from county to county. The following table shows how many crashes occurred by county in the state of Louisiana.

CountyFatalities
2013
2014201520162017Fatalities
Per 100k
Population
2013
2014201520162017
Acadia Parish121817121219.2728.7227.1119.1119.17
Allen Parish3666511.6823.3223.4123.3619.52
Ascension Parish232319212820.0719.6115.9217.2922.77
Assumption Parish51156221.5647.7521.8426.378.88
Avoyelles Parish91376721.831.6117.0614.6217.08
Beauregard Parish5655813.7816.5513.6913.5121.66
Bienville Parish4316228.6421.767.2343.4614.66
Bossier Parish9141211157.2611.219.548.7111.75
Caddo Parish294036273611.3615.8214.3110.8414.6
Calcasieu Parish242436473812.2812.218.1323.4318.77
Caldwell Parish4541440.0850.2739.799.9340.2
Cameron Parish1110314.9214.8914.67043.4
Catahoula Parish103219.75029.8920.1810.13
Claiborne Parish223411212.1918.4424.756.26
Concordia Parish7473134.1519.5434.61155.03
De Soto Parish4535814.7618.4711.0718.3729.26
East Baton Rouge Parish41504352659.2211.219.6311.6114.57
East Carroll Parish1140013.3413.4454.9800
East Feliciana Parish26816810.230.4840.9381.9541.21
Evangeline Parish6298617.735.9226.6823.7317.8
Franklin Parish257549.7524.4834.3524.5519.74
Grant Parish165264.4926.8722.448.9726.86
Iberia Parish16152415821.6520.3432.5120.5311.08
Iberville Parish6161318617.9848.2939.2154.6818.17
Jackson Parish3242318.612.5125.0812.6218.93
Jefferson Davis Parish7410121222.3612.7231.8238.2538.12
Jefferson Parish22242634285.065.515.957.756.38
La Salle Parish2535213.533.6220.0233.2213.39
Lafayette Parish383129241816.4213.1412.19.937.42
Lafourche Parish242920242324.6829.6220.3324.3423.37
Lincoln Parish8824516.9116.94.28.410.47
Livingston Parish252418252318.6517.713.0817.8516.64
Madison Parish54114741.9933.8495.2234.8361.86
Morehouse Parish9374533.4111.2626.6115.4419.5
Natchitoches Parish106810625.5715.3420.5125.6415.38
Orleans Parish535050554413.981312.813.9911.19
Ouachita Parish222321202814.114.7113.3812.7417.96
Plaquemines Parish3481112.7517.1534.124.294.28
Pointe Coupee Parish678111126.7631.3836.0349.6549.4
Rapides Parish162222201312.0916.6316.6715.149.87
Red River Parish4434544.6245.6434.4246.3358.58
Richland Parish4563519.1224.0829.214.6724.5
Sabine Parish11636845.3424.8712.3824.933.31
St. Bernard Parish6362313.816.7513.24.376.49
St. Charles Parish13678824.6911.3813.315.1315.17
St. Helena Parish5662946.4257.0657.3919.1686.85
St. James Parish7654432.3827.8823.2718.6618.72
St. John The Baptist Parish158810834.4218.2918.352318.42
St. Landry Parish202521152323.9829.8825.1117.9227.55
St. Martin Parish141610131726.4630.0318.5624.1631.38
St. Mary Parish1213124922.4124.422.687.6717.66
St. Tammany Parish20222623308.268.9610.439.111.7
Tangipahoa Parish262236403120.7317.3327.9630.6223.4
Tensas Parish1211120.2741.220.9521.3821.67
Terrebonne Parish221916202919.5216.7414.0417.6825.87
Union Parish7677131.1826.631.1130.964.43
Vermilion Parish46141046.7410.0723.3416.616.65
Vernon Parish13118131124.6120.8115.5325.1821.69
Washington Parish101010121521.5321.5721.5625.8532.17
Webster Parish554171112.312.419.9842.7227.93
West Baton Rouge Parish1111951244.6643.6735.219.2845.69
West Carroll Parish113138.738.6826.598.9927.32
West Feliciana Parish2331312.9519.5219.546.5319.51
Winn Parish02337013.520.4920.6448.91

East Baton Rouge Parish and Orleans Parish lead the way in fatalities over the past five years.

– Traffic Fatalities

Car insurance companies, law enforcement, and the DMV consider all data collected over the years. To accurately report fatality data per year, these organizations separate the data by rural and urban categories.

In the table below, traffic fatality numbers for rural and urban areas are listed.

Traffic Fatalities20142015201620172018
Rural389368368374304
Urban351377385395436
Total740752757770768

In our five-year lookback period, more fatal accidents occurred on urban roads than in rural areas.

– Fatalities by Person Type

The type of car driven can sometimes show trends in fatalities, and car occupants aren’t the only ones at risk in a crash. Pedestrians, cyclists, and motorcyclists die every year from vehicle accidents. In the table below, we examine fatalities by person type.

Person TypeNumber
Occupants (Enclosed Vehicles)529
Motorcyclists96
Pedestrians135
As the data reflects, most fatalities occurred in closed vehicles.

– Fatalities by Crash Type

Between 2013 to 2017, the greatest number of fatalities occurred in single-vehicle crashes, followed by roadway departures. In the table below, we examine 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

Sadly, driving alone and single-vehicle crashes are the leading cause of fatalities in Louisiana.

– Five-Year Trend For the Top 10 Counties

The table below shows the 10 counties in Louisiana that had the highest number of fatal accidents over a five-year period:

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

Again, East Baton Rouge Parish and Orleans Parish lead the way in fatalities over the past five years.

– Fatalities Involving Speeding by County

Speed limits are implemented to not only save on the cost of gasoline but to help keep you safe. The table below shows the fatalities involving speeding listed 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

Tangipahoa Parish leads the way with 14 fatalities by speeding in 2017. We encourage you to slow down and obey posted speed limit signs.

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

Check out the table below to see fatalities in crashes that involved an alcohol-impaired driver with a BAC over .08.

CountyFatalities
East Baton Rouge Parish19
Orleans Parish16
Caddo Parish14
Terrebonne Parish13
Calcasieu Parish12
Ouachita Parish8
Ascension Parish7
St. Landry Parish7
Tangipahoa Parish7
Jefferson Parish6

Nineteen people were killed in East Baton Rouge Parish in 2017 when alcohol was involved. We encourage you never to drink and drive so you can arrive safely.

– Teen Drinking & Driving

In 26 states and D.C., under-21 alcohol-impaired driving fatalities per 100,000 population were at or below the national average of 1.2 deaths per 100,000 population.

Louisiana’s average is slightly above the national average at 1.3 alcohol-impaired driving fatalities per 100,000 population. Louisiana is ranked 45th in the U.S. for under-18 DUI arrests.

Teen drunk driving is a major problem in America that leads to fatal accidents on a regular basis. If you have children who’re teenagers, try instilling safe driving habits from the beginning.

– EMS Response Time

If you or someone you know is in an accident, you want help to arrive as fast as possible. Check out the table below for response times for emergency personnel in rural and urban areas.

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

Living in a rural area certainly has its benefits, but it could be dangerous if time is of the essence when you or someone you love is in an accident.

– Transportation in Louisiana

When you drive through your neighborhood, do you ever notice how many cars are sitting in your neighbors’ driveways? Usually, we can tell if someone is visiting by that extra car parked outside the house.

The following data was sourced from the Census Bureau via DataUSA.io.

– Car Ownership

Just like the national average, the average household in Louisiana has two cars. If you do have two (or more) vehicles, it’s always a good idea to talk to your insurance provider to determine if you qualify for a multiple vehicle discount on your auto premium. It could save you hundreds of dollars.

– Commute Time

The average commute time in the U.S. is 25.3 minutes. Fortunately, Louisiana’s average commute time is slightly below this at 24.2 minutes.

Additionally, 2.88 percent of Louisiana workers have super commutes, which are commute times over 90 minutes.

– Commuter Transportation

In every state, driving alone is the most common commute option, though people are beginning to turn to other commute options like carpooling and working from home. In Louisiana, 10 percent of the working population carpools, and another 3.34 percent are lucky enough to work from home.

If you do work from home, be sure, and ask your insurance provider about possible discounts.

– Traffic Congestion in Louisiana

Louisiana residents spend less time commuting than other states, and only New Orleans made it onto the Inrix’s global traffic scorecard. In the table below, we see drivers in The Crescent City spend 73 hours yearly sitting in congestion.

City2018 World RankHours Lost in CongestionCost of Congestion (per driver)Inner City Traffic Time (minutes)Inner City Traffic Speed
New Orleans137th73$1,023512 mph