Louisiana car insurance

Common questions about Louisiana
auto insurance

Need car insurance in Louisiana? Whether you live in the Crossroads or New Orleans, Liberty Mutual has you covered. From liability protection to comprehensive coverage, we customize your Louisiana auto insurance, so you only pay for what you need.

What car insurance is required in Louisiana?

In Louisiana, it's illegal to drive without insurance. Drivers in Louisiana are required to have car insurance coverage for

Bodily Injury to others
Property damage liability

This chart shows the minimum auto insurance drivers are required to have in Louisiana for these coverages.²

Coverage	Amount
Bodily Injury to Others	$15,000 per person and $30,000 per accident
Property Damage Liability	$25,000 per accident

For more information, check out the Louisiana Office of Motor Vehicles.

What is the average cost of car insurance in Louisiana?

The average cost of car insurance in Louisiana is $3,310³ in 2024 according to thezebra.com. That's 51% higher than the national average. Of course, your auto insurance cost will depend on many different factors including your age, where you live and your driving history.

Some people get the bare minimum coverage, while others prefer the comfort and security of more protection. Liberty Mutual customizes your Louisiana auto insurance, so you only pay for what you need.

See how much you could save on car insurance.

U.S. Map with the Louisiana state highlighted

What Louisiana car coverage insurance coverage is right for you?

The chart above shows the minimum Louisiana auto insurance you need. But depending on your budget and needs, you might want to consider increased coverage for more protection.

We'll help you customize your Louisiana car insurance to get the coverage that fits you.

See all of our auto coverage options.

What is the best car insurance in Louisiana?

Liberty Mutual understands that everyone has individual needs when it comes to their Louisiana auto insurance. Some might want the cheapest Louisiana car insurance, while others want more coverage and an auto insurance company they know they can trust. Let us help you customize your Louisiana car insurance, so you only pay for what you need.

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Who has the cheapest car insurance in Louisiana?

Getting the cheapest car insurance in Louisiana may sound great, but that cheap rate can come at a cost when you need it most. You want auto insurance that's affordable, but even more importantly — reliable, in case you have an accident.

A Liberty Mutual auto insurance policy can cost less than you think.⁴