Louisiana car insurance

Before you drive the Lake Pontchartrain Causeway or get caught in festival traffic in New Orleans or Baton Rouge, make sure you're carrying the right auto insurance. Learn about car insurance in Louisiana from Progressive, including state requirements, optional coverages, and available discounts.

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Explore Progressive Answers' auto editorial guidelines to find out why you can trust the car insurance information you find here.

What are Louisiana's minimum auto insurance requirements?

Drivers in Louisiana are required to have auto liability coverage (BI liability and PD liability), at the following minimum limits:

Coverage	What it covers	Minimum amount
Bodily injury liability	What it coversInjuries you cause to others in an accident	Minimum amount$15,000 per person $30,000 per accident
Property damage liability	What it coversDamage you cause to other people's property in an accident	Minimum amount$25,000 per accident

While these are Louisiana's minimum required car insurance limits, higher coverage amounts may better protect your family's financial wellbeing. Learn how much car insurance you may need based on your circumstances and preferences.

Is Louisiana a no-fault state?

No. Louisiana is an at-fault state, which means the party responsible for an accident must cover the injuries of the other driver and their passengers. Learn more about what happens if you're at fault in an accident.

How much is car insurance in Louisiana?

In 2023, the average cost of a liability-only auto policy (single driver/single car) from Progressive in Louisiana was $145 per month.^* Rates vary based on a number of factors, such as your driving history, ZIP code, and coverage selections. Learn more about the factors that impact car insurance rates.

Ready to make the switch? Drivers nationwide who switch and save with Progressive save over $800 on average.^† Get an auto insurance quote today.

What is the best car insurance in Louisiana?

Finding the best car insurance in Louisiana means taking the time to compare equal coverages, limits, deductibles, and discounts. Progressive offers plenty of incentives to help drivers in the Pelican State get the best car insurance. Our auto insurance customers earn an average of seven discounts, and we're the #1 combined personal and commercial auto insurance company.^**

If you're looking for the cheapest car insurance in Louisiana, here's how much drivers nationwide who save after switching to Progressive save on average compared to their previous auto insurer:

Allstate customers who switch and save with Progressive save $775 on average^††
GEICO customers who switch and save with Progressive save $740 on average^§
State Farm customers who switch and save with Progressive save $565 on average^‡

How do I lower my car insurance cost in Louisiana?

To lower your car insurance cost in Louisiana, you may qualify for the following discounts through Progressive:

Anti-theft device
Continuous insurance
Multi-car
Three-year safe driving
Five-year accident-free
Paperless
Online quote

See all our auto insurance discounts.

Pro tip:

Save when you bundle! One way to get cheap car insurance in Louisiana is to combine your auto and home policies with Progressive — new customers who save bundling home and auto insurance save over 20% on average nationwide.^†

Additional car insurance coverages to consider

If you're leasing or financing a vehicle, most lenders require you to carry comprehensive auto coverage and collision coverage in addition to Louisiana's state-required coverages. Comprehensive and collision pay to repair or replace your car regardless of fault, if it's in an accident, gets stolen, or is otherwise damaged due to a covered incident. It also makes sense to add these physical damage coverages if you're not sure you can afford a new car or major repairs after an accident.

Explore all our car insurance coverages and our car insurance calculator to find which ones are recommended for you.

Louisiana driving resources

From Shreveport to Metairie, get to know Louisiana's driving laws and resources. Local municipalities may have additional laws and resources.

Louisiana Office of Motor Vehicles: Find out how to get or renew your Louisiana driver's license and non-driver ID, REAL ID, vehicle registration, and more.
Louisiana traffic safety laws: Learn about Louisiana's traffic safety rules regarding cell phone use while driving, graduated licenses, child safety seats, motorcycle helmet use, and other driver resources.
Louisiana driver's license and ID card FAQs: Get answers to your questions about driver's license renewals, how to change your address, and more Louisiana driver resources.
Car insurance resource center: Learn more about how car insurance works, from terms and definitions to savings tips.