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Louisiana car insurance
Getting car insurance in Louisiana
Louisiana drivers can face all kinds of road hazards — from hurricane landfalls to dense fog on the Lake Pontchartrain Causeway. Progressive offers tools that let you find the right coverage at the right price wherever you drive in the Bayou State. That includes tools like AutoQuote Explorer®, which lets you quickly compare your Progressive quote with rates from other insurers.
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What are the minimum auto insurance requirements in Louisiana?
Louisiana requires drivers to carry bodily injury and property damage liability coverage with at least the following limits.
Coverage
|
Coverage |
What it covers |
Minimum amount |
|---|---|---|
|
Bodily injury liability |
Injuries you cause to others in an accident |
$15,000 per person |
|
Property damage liability |
Damage you cause to someone else's vehicle or other property in an accident |
$25,000 per accident |
Louisiana auto policies also generally include uninsured/underinsured motorist bodily injury coverage. You can reject this coverage, choose lower limits, or pick economic-only coverage instead (claims cover a narrower range of expenses). This coverage can help pay for covered injuries caused by a driver who has no insurance or doesn't have enough coverage.
While these are Louisiana's minimum coverage limits, higher limits may offer better financial protection after a serious accident. See how much car insurance you may need.
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Car insurance discounts in Louisiana
Progressive offers several ways to save on car insurance in Louisiana. Popular discounts include:
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Savings!Bundle & save
Bundling home and auto, boat and auto, or any combination of Progressive policies earns you a discount.
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Veteran discount
We offer discounts on liability coverage to active military and retired veterans (20+ years of service), including veterans with disabilities.
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Three-year safe driving
Save when you've gone three years without an accident. This discount rewards drivers with a recent history of safe driving.
What is the average cost of car insurance in Louisiana?
Louisiana drivers pay an average of $150.86 per month for a liability-only policy from Progressive in 2025.† That amount is based on one vehicle and one driver. Your rate may vary based on factors such as your driving history, ZIP code, vehicle, and coverage choices.
Factors that impact your auto insurance rate in Louisiana
Several factors affect how much you pay for auto insurance in Louisiana, including:
- Driving and claims history: Tickets, accidents, and prior claims may affect your rate.
- Vehicle type: Insurers consider your car's make, model, age, safety features, and repair costs when setting rates.
- Location: Rates may reflect traffic, theft, weather-related claims, and claim frequency where you live. In Louisiana, severe storms and flooding, underinsured drivers, and rough road conditions can add to local driving risks.
- Vehicle use: How often and how far you drive may affect your rate.
- Coverage choices and deductibles: The coverages, limits, and deductibles you choose affect your premium. Higher limits or additional coverage generally cost more, while a higher deductible may lower your rate.
Recommended additional auto insurance coverages in Louisiana
Louisiana's required liability coverage may not cover every type of damage or expense after an accident. Additional coverages can help protect you and your vehicle.
Coverage
|
Coverage |
What it covers |
|---|---|
|
Comprehensive |
Cost to repair or replace your car if it's stolen or damaged by hail, fire, wind, flooding, vandalism, animal collisions, and other covered events |
|
Collision |
Cost to repair or replace your vehicle if it overturns or collides with another vehicle or object |
|
Medical payments |
Covered medical and funeral expenses for you or others injured while riding in or driving your vehicle, regardless of fault |
Comprehensive coverage may be especially useful in Louisiana for damage caused by hurricanes, flooding, and other severe weather. If you finance or lease your vehicle, your lender or leasing company may require comprehensive and collision coverages.
Louisiana driving resources
Use these resources to learn more about Louisiana driving laws, insurance requirements, vehicle registration, driver services, and current road conditions.
- Louisiana Office of Motor Vehicles (OMV): Find information about driver's licenses, vehicle registration and titles, license reinstatement, REAL ID, and other motor vehicle services.
- Louisiana Department of Insurance (LDI): Review auto insurance requirements, coverage information, consumer resources, and help with insurance questions or complaints.
- Louisiana Highway Safety Commission (LHSC): Learn about Louisiana traffic safety laws, including distracted driving, seat belt, child restraint, and impaired driving requirements.
- 511LA: Check current traffic, crashes, construction, road closures, road conditions, and traffic cameras across Louisiana.
How to get car insurance in Louisiana with Progressive
Progressive gives Louisiana drivers several ways to compare coverage options and get an auto insurance quote. With the Name Your Price® tool, you can explore coverage options based on the price you want to pay.
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Go online
We ask easy questions, and you customize your coverages.
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Call a rep
Talk with a licensed representative who can guide you through the process.
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Through an agent
Connect with an independent agent in your area.
Louisiana car insurance FAQs
What else needs protection in Louisiana?
