Auto Insurance in Louisiana
The average car insurance cost in Louisiana is $2,839 per year for full coverage. Louisiana requires minimum liability coverage of 15/30/25. The state's uninsured driver rate is 11.7%, which is above the national average of 12.6%.
Top auto insurers in Louisiana: State Farm, GEICO, Progressive. We recommend comparing quotes from at least 5 companies, as rates can vary by 50% or more between insurers for the same driver profile.
Home Insurance in Louisiana
Homeowners insurance in Louisiana averages $2,950 per year for $300,000 in dwelling coverage. This is above the national average of $1,820/year. Rates are influenced by natural disaster risk, construction costs, and local claim frequency in the South region.
Health Insurance in Louisiana
The average individual health insurance premium in Louisiana is approximately $530/month before subsidies through the ACA marketplace. Many Louisiana residents qualify for premium tax credits that reduce this cost to $50-$200/month.
Minimum Insurance Requirements
Louisiana requires all drivers to carry minimum liability insurance of 15/30/25. This means: $15,000 per person for bodily injury, $30,000 per accident total for bodily injury, and $25,000 for property damage per accident. While these minimums are legally sufficient, most financial advisors recommend 100/300/100 coverage.
Top Insurance Companies in Louisiana
The largest and most popular insurance companies in Louisiana include:
- State Farm — Market leader in Louisiana
- GEICO — Competitive rates and strong service
- Progressive — Popular choice with good coverage options