$2,600
Avg Annual Premium
15/30/25
Min Coverage
4.6M
Population
3.7M
Registered Vehicles
Top Auto Insurance Carriers in Louisiana
State Farm
GEICO
Progressive
Allstate
Louisiana Minimum Auto Insurance Requirements
Louisiana requires a minimum liability coverage of 15/30/25 (bodily injury per person / bodily injury per accident / property damage). While this is the legal minimum, most experts recommend higher coverage limits to protect your assets.
Coverage breakdown (15/30/25):
- $15K bodily injury per person
- $30K bodily injury per accident
- $25K property damage per accident
How to Save on Auto Insurance in Louisiana
- 1.Compare quotes from multiple carriers — rates can vary by $500+ for the same coverage
- 2.Bundle your auto and home insurance for multi-policy discounts
- 3.Maintain a clean driving record — tickets and accidents significantly increase premiums
- 4.Ask about discounts: good student, military, low mileage, safety features
- 5.Consider raising your deductible to lower your monthly premium
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