Louisiana Car Insurance Guide (Cheap Rates + Best Companies)

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Rachel Bodine

Insurance Feature Writer

Rachel Bodine graduated from college with a BA in English. She has since worked as a Feature Writer in the insurance industry and gained a deep knowledge of state and countrywide insurance laws and rates. Her research and writing focus on helping readers understand their insurance coverage and how to find savings. Her expert advice on insurance has been featured on sites like PhotoEnforced, All...

Insurance Feature Writer

Eric Stauffer

Licensed Insurance Agent

Eric Stauffer is an insurance agent and banker-turned-consumer advocate. His priority is educating individuals and families about the different types of insurance coverage. He is passionate about helping consumers find the best coverage for their budgets and personal needs. Eric is the CEO of C Street Media, a full-service marketing firm and the co-founder of ProperCents.com, a financial educat...

Licensed Insurance Agent

UPDATED: Nov 1, 2023

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Louisiana Statistic Summary
Road Miles 61,419
Registered Vehicles 3,772,692
State Population 4,659,978
Percentage of
Uninsured Motorists
Driving Deaths Speeding: 2,124 Drunk Driving: 2,471
Average Premiums Annually
Liability: $775.83 Collision: $414.36 Comprehensive: $215.17
Cheapest Provider: USAA

Officially named after King Louis XIV, Louisiana’s geography boasts coastal wetlands, prominent rivers, salt domes, oil fields, marshes, mountains, and beautiful ocean shorelines. Louisiana is home to over 4.5 million people, is often referred to as the “Duck Capital of the America”, and hosts one of the largest jazz festivals in the world.

Louisiana is the also called the true melting pot of the United States as it has some of the most diverse cultures in the world — but whether you’re French, Canadian, African, or Irish, one thing is certain if you want to drive a vehicle in Louisiana: you must have car insurance.

With more than three million registered vehicles on the road and 13 percent of those uninsured motorists, it’s certainly a smart move to purchase a great car insurance policy.

We know finding the right car insurance policy can be a pain in the neck – but don’t go away because you’re in the right place! This a comprehensive guide to Louisiana car insurance. In this guide, we cover types of car insurance, car insurance laws, rules and risks of the road, safety laws and more.

So buckle up – by the end of this guide, you’ll have all the information you need to find the cheapest car insurance policy that fits you and your family’s needs and lifestyle.

Table of Contents

How to get Louisiana car insurance coverage and rates

We want to start with the basics: what types of car insurance are required, and what are some good insurance options to add to your basic policy? We definitely don’t want you to overpay for your car insurance, but we also want to make sure you’re getting the best bang for your buck. If you’re all about saving money, we’ve got you covered.

Before we get into insurance coverage options and requirements, let’s talk a little bit about Louisiana’s car culture. This will help give you a better understanding of what kinds of vehicles are insured the most.

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What’s Lousiana’s car culture like?

Louisiana has some of the worst public transportation systems in the country, so locals prefer to drive themselves around most of the time. Like most of the other deep south states, Louisiana drivers love their trucks and SUVs.

According to The Hartford, car culture is big in Louisiana and antique and hot rod enthusiasts put on regular shows and events. The NOLA Motorsports Park in New Orleans occasionally features professional auto racing and offers an opportunity for ordinary drivers to race their own vehicle on a 2.75-mile track at any speed they’d like.

The state of Louisiana is also rich in oil and is home to one of the world’s largest ports.

What’s Louisiana minimum auto insurance coverage?

Let’s get back to the basics: what is minimum coverage?

Like every other state, Louisiana drivers must carry at least a particular minimum car insurance coverage and limits. However, insurance experts agree that policyholders should purchase more than the minimum requirements to protect themselves financially.

Every driver in Louisiana must have minimum liability insurance coverage for their vehicle. Drivers can absolutely have more insurance than just the minimum insurance requirements, and in fact, this is highly recommended, because if you cause an accident and the damages surpass the insurance amount, you’ll need to pay out of pocket. If you need coverage for the damages to your vehicle, you should buy full coverage which includes comprehensive and collision insurance. This is particularly important if you have a loan or lease on your vehicle.

Why is car insurance so important to have? Louisiana is an at-fault car accident state.

Louisiana is one of 38 states in the U.S. to be considered as an at-fault state. Simply put, you are at fault for any car accident you cause.

You, as the driver, are responsible to call up your insurance company and file a claim to help cover the costs of any damages incurred from the accident you caused. In other words, if you break it, you buy it, and cars are not an inexpensive thing to repair or buy.

Car insurance money can run out really fast, especially if you’ve been involved in a multi-car pileup. Not many people can afford to finance (or pay for) vehicle damages and medical costs – that’s where insurance steps in.

Minimum liability car insurance is there to act as a safety net — you probably won’t die if you fall into it, but you’re going to have injuries. In the same way, minimum car insurance isn’t going to protect you from every possible cost out there.

Louisiana’s minimum liability insurance requirements are:

  • $15,000 for bodily injury liability or death of one person in an accident caused by the driver of the insured vehicle
  • $30,000 for total bodily injury liability or death liability in an accident caused by the driver of the insured vehicle
  • $25,000 for property damage per accident caused by the driver of the insured vehicle

In total, the state requires a minimum policy worth $70,000.

What is the form of financial responsibility?

What is a form of financial responsibility requirement? This is just a really fancy term for “proof of insurance”. Ever heard those words spoken by a police officer before? Louisiana law states that any time you are asked by a law enforcement officer to hand over your proof of insurance, you must comply.

Acceptable forms of proof of insurance are:

  • Valid liability insurance ID cards
  • Copy of your current car’s insurance policy
  • Valid insurance binder (a temporary form of car insurance)
  • Electronic insurance card

If you drive without proof of insurance, you are breaking the law.

According to the Louisiana Department of Insurance, driving without insurance — or being involved in a crash without insurance — can result in the imposition of a fine of $500 to $1,000, plus the suspension of driving privileges, impoundment of a vehicle, revocation of registration, or cancellation of license plates.

What’s more, if you drive without insurance in Louisiana, the state’s “No Pay, No Play” law may also prohibit you from collecting certain amounts after a car accident, even if the other driver is at fault; specifically:

  • the first $25,000 in property damages
  • the first $15,000 in personal injuries

Don’t drive without proof of insurance, and definitely, don’t drive without insurance.

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What percentage of income are auto insurance premiums?

Louisiana’s annual per capita disposable income was $37,787 in 2014. This is the average amount of money made by Louisiana residents.

Louisiana drivers paid an average of $1,364.17 for one year of car insurance. This means drivers paid 3.61 percent of their total income directly to their car insurance company.

If you divide this number by 12, drivers pay about $113 per month for car insurance. Ouch. Countrywide, Americans on average pay around $981 per year for car insurance, so Louisiana’s car insurance is significantly higher.

When we look at surrounding states like Texas, Arkansas, and Mississippi, Louisiana still has the highest cost for car insurance, but these state rates are close behind.

Over the last three years, Louisiana’s average car insurance rate has increased by about $90.

What are the average monthly car insurance rates in LA (liability, collision, comprehensive)?

Your average monthly car insurance rates by coverage may be cheaper than expected for additional coverage like comprehensive. Review rates for car insurance coverage below:

Coverage Type(Annual Costs (2015)

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The data above is pulled directly from the National Association of Insurance Commissioners.

Because this data was pulled in the year 2015, you should expect car insurance rates to be higher today.

In 2014, the countrywide average for full coverage car insurance was $981.77. The average rate in 2014 for Louisiana car insurance coverage was $1,364.17.

That’s a crazy difference. While it’s important to have minimum liability coverage on your vehicle, it’s smarter to carry full coverage car insurance. In the case of an accident, you’ll be so thankful you’re not paying out of pocket to cover accident expenses.

Next, let’s talk about additional coverage types.

Is there an additional liability coverage in Louisiana?

Loss Ratio201220132014
Medical Payments82.21%85.21%80.68%
Uninsured/Underinsured Motorist Coverage84.4%90.07%91.66%

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The additional coverage types listed above are optional coverage in the state of Louisiana. However, it’s still important to carry them. But why?

It’s against the law to be an uninsured driver, but that doesn’t stop people from trying to drive without car insurance.

Thirteen percent of all Louisiana drivers are uninsured: this means that these drivers do not have car insurance at all. Louisiana is ranked 20th in the U.S. for uninsured drivers.

If an uninsured driver causes an accident and you are involved in that accident, chances are, the uninsured driver is going to owe you money to cover the costs of property damages (and possibly medical bills). Because the uninsured driver is uninsured, he or she may go bankrupt while trying to pay for your damages.

This is where uninsured motorist coverage walks in the door like a superhero coming to save the day.

But wait, there’s more!

What are loss ratios and why do you care about them? Simply put, loss ratios are how we measure a company’s financial strength. The ratios shown above tell us how many filed claims were paid, i.e., 91.66% of filed uninsured/underinsured motorist insurance claims were paid in 2014. That’s a pretty good number, but what does it mean overall?

When you’re looking at a company’s loss ratio percentages, keep an eye out for two things. Make sure the loss ratio percentage isn’t under 50 percent or over 100 percent.

If the ratio is too low (under 50 percent) the company probably overpriced their premiums or hasn’t gotten as many claims as they anticipated.

If the loss ratio percentage is too high (over 100 percent) the company might be paying too many claims (some of which could be fraudulent). This means that auto insurance rates will be on the rise to make up for the unprofitable period.

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Are There any add-ons, endorsements, and riders?

Insurance is a tricky subject. There are many policies to choose from. If you’re interested in learning more about add-ons, endorsements, and extra coverage, take a look at the list below. Click on each link to learn more.

  • Guaranteed Auto Protection (GAP)
  • Personal Umbrella Policy (PUP)
  • Rental Reimbursement
  • Emergency Roadside Assistance
  • Mechanical Breakdown Insurance
  • Non-Owner Car Insurance
  • Modified Car Insurance Coverage
  • Classic Car Insurance
  • Pay-As-You-Drive or Usage-Based Insurance

Add one, or add them all. The choice is up to you.

What are the average monthly car insurance rates by age & gender in LA?

Did you know gender, marital status and age can affect your car insurance rate? Men usually pay more for car insurance than women do.

CompanyMarried 35-year old female annual rateMarried 35-year old male annual rateMarried 60-year old female annual rateMarried 60-year old male annual rateSingle 17-year old female annual rateSingle 17-year old male annual rateSingle 25-year old female annual rateSingle 25-year old male annual rate
Allstate P&C$4,254.40$4,254.40$4,394.91$4,394.91$9,256.33$11,657.16$4,694.46$5,083.73
Geico Cas$3,430.68$3,952.72$4,103.66$5,009.51$12,767.36$13,458.88$3,309.53$3,204.45
Progressive Security Ins.$4,158.02$3,880.90$3,483.46$3,762.32$16,529.91$18,373.77$4,746.19$4,834.20
State Farm Mutual Auto$2,851.05$2,851.05$2,619.17$2,619.17$8,404.12$10,538.72$3,180.57$3,569.11

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The younger you are, the more you will pay for car insurance. Usually, if you keep a clean record, your rate will decrease after you turn 25.

What are the cheapest car insurance rates by ZIP code?

Where you live also has a lot to do with your car insurance rate.

Cheapest ZIP Codes in Louisiana CityAverage Annual Rate by ZIP CodesMost Expensive CompanyMost Expensive Annual Rate2nd Most Expensive Company2nd Most Expensive Annual RateCheapest CompanyCheapest Annual Rate2nd Cheapest Company2nd Cheapest Annual Rate
71439HORNBECK$4,332.48Allstate$5,413.73Progressive$5,142.31USAA$3,187.12State Farm$3,544.31
71443KURTHWOOD$4,355.93Allstate$5,413.73Progressive$5,152.75USAA$2,981.19State Farm$3,857.06
71459FORT POLK$4,397.96Allstate$5,579.18Progressive$5,152.75USAA$2,981.19State Farm$3,926.59
71446LEESVILLE$4,408.37Allstate$5,579.18Progressive$5,152.75USAA$2,981.19State Farm$3,978.60
71403ANACOCO$4,430.85Allstate$5,413.73Progressive$5,142.31USAA$3,418.09State Farm$3,805.20
71474SIMPSON$4,435.33Allstate$5,579.18Progressive$5,152.75USAA$3,173.59State Farm$3,921.03
71461NEWLLANO$4,440.21Allstate$5,579.18Progressive$5,152.75USAA$3,172.35State Farm$3,946.65
71475SLAGLE$4,471.44Allstate$5,579.18Progressive$5,152.75USAA$3,418.09State Farm$3,857.06
71075SPRINGHILL$4,474.44Allstate$5,413.73Geico$5,046.39State Farm$3,419.17USAA$3,645.13
71429FLORIEN$4,476.94Allstate$5,413.73Progressive$5,177.85State Farm$3,406.01USAA$3,555.97
71071SAREPTA$4,477.36Allstate$5,413.73Geico$5,046.39State Farm$3,433.73USAA$3,645.13
71449MANY$4,546.33Allstate$5,413.73Progressive$5,387.48State Farm$3,543.35USAA$3,555.97
71426FISHER$4,568.59Allstate$5,413.73Progressive$5,177.85USAA$3,555.97State Farm$3,864.26
71486ZWOLLE$4,580.26Progressive$5,600.85Allstate$5,413.73State Farm$3,499.60USAA$3,555.97
71462NOBLE$4,587.34Progressive$5,600.85Allstate$5,413.73State Farm$3,534.99USAA$3,555.97
71468PROVENCAL$4,591.96Allstate$5,413.73Progressive$5,170.17USAA$3,580.55State Farm$3,785.75
71016CASTOR$4,592.82Allstate$5,413.73Progressive$5,270.63State Farm$3,553.73USAA$3,843.04
71072SHONGALOO$4,595.44Progressive$5,439.25Allstate$5,413.73State Farm$3,403.32USAA$3,645.13
71048LISBON$4,601.27Allstate$5,413.73Progressive$5,298.84State Farm$3,624.07USAA$3,645.13
71001ARCADIA$4,604.07Allstate$5,413.73Progressive$5,206.83State Farm$3,594.95USAA$3,758.45
71045JAMESTOWN$4,608.94Allstate$5,413.73Progressive$5,270.63State Farm$3,634.33USAA$3,843.04
71460NEGREET$4,610.52Allstate$5,413.73Progressive$5,387.48USAA$3,555.97State Farm$3,864.26
71406BELMONT$4,610.84Progressive$5,614.41Allstate$5,413.73USAA$3,555.97State Farm$3,577.97
71068RINGGOLD$4,613.19Allstate$5,413.73Progressive$5,216.23State Farm$3,709.97USAA$3,843.04
71038HAYNESVILLE$4,630.28Progressive$5,439.25Allstate$5,413.73State Farm$3,577.56USAA$3,645.13

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Louisiana’s cheapest ZIP codes are spread out among a number of cities.

Most Expensive ZIP Codes in Louisiana CityAverage Annual Rate by ZIP CodeMost Expensive CompanyMost Expensive Annual Rate2nd Most Expensive Company2nd Most Expensive Annual RateCheapest CompanyCheapest Annual Rate2nd Cheapest Company2nd Cheapest Annual Rate
70117NEW ORLEANS$9,303.50Progressive$11,349.19Geico$10,722.66USAA$6,335.87State Farm$7,915.53
70127NEW ORLEANS$9,249.24Progressive$11,400.32Geico$10,518.81USAA$6,555.17State Farm$7,577.65
70128NEW ORLEANS$9,203.05Progressive$11,483.77Geico$10,518.81USAA$6,562.78State Farm$7,255.65
70126NEW ORLEANS$9,155.49Progressive$11,193.79Geico$10,418.61USAA$6,628.66State Farm$7,342.14
70129NEW ORLEANS$9,123.75Progressive$11,277.24Geico$10,565.56USAA$6,562.78State Farm$7,018.93
70113NEW ORLEANS$9,085.51Progressive$11,349.19Geico$10,470.09USAA$6,205.63State Farm$7,208.41
70145NEW ORLEANS$9,034.55Progressive$11,349.19Geico$10,722.66USAA$5,708.44State Farm$7,198.23
70146NEW ORLEANS$9,034.55Progressive$11,349.19Geico$10,722.66USAA$5,708.44State Farm$7,198.23
70116NEW ORLEANS$9,013.80Progressive$11,286.61Allstate$10,194.23USAA$6,225.89State Farm$7,667.52
70122NEW ORLEANS$8,940.09Progressive$11,349.19Geico$10,626.87USAA$5,798.83State Farm$6,731.32
70148NEW ORLEANS$8,877.47Progressive$11,349.19Geico$10,626.87USAA$5,708.44State Farm$6,508.60
70119NEW ORLEANS$8,860.81Progressive$11,297.04Allstate$10,194.23USAA$6,016.67State Farm$7,081.33
70139NEW ORLEANS$8,675.04Progressive$11,286.61Allstate$10,194.23USAA$5,708.44State Farm$7,198.23
70163NEW ORLEANS$8,547.15Progressive$11,349.19Allstate$10,194.23USAA$5,708.44State Farm$7,198.23
70130NEW ORLEANS$8,542.14Progressive$11,286.61Allstate$10,194.23USAA$5,708.44State Farm$7,235.76
70112NEW ORLEANS$8,540.11Progressive$11,286.61Allstate$10,194.23USAA$5,708.44State Farm$7,428.67
70170NEW ORLEANS$8,521.57Progressive$11,286.61Allstate$10,194.23USAA$5,708.44State Farm$7,198.23
70125NEW ORLEANS$8,459.50Progressive$11,116.86Allstate$10,194.23USAA$6,004.41State Farm$6,878.72
70114NEW ORLEANS$8,180.81Progressive$11,286.61Geico$9,623.03USAA$5,846.50State Farm$6,330.33
70032ARABI$8,001.83Progressive$11,220.15Geico$8,646.01USAA$5,601.65State Farm$7,180.78
70058HARVEY$7,919.05Progressive$11,116.86Geico$9,080.79USAA$5,410.50State Farm$6,169.49
70131NEW ORLEANS$7,899.82Progressive$11,411.76Geico$8,621.16USAA$5,502.31State Farm$6,146.30
70053GRETNA$7,895.98Progressive$11,054.29Geico$9,043.51USAA$5,455.88State Farm$6,108.63
70072MARRERO$7,857.95Progressive$10,759.92Geico$8,816.72USAA$5,929.56State Farm$5,965.95
70043CHALMETTE$7,852.33Progressive$11,251.46Geico$8,284.43USAA$5,601.65State Farm$6,763.55

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According to these lists, New Orleans has the most expensive car insurance rate in all of Louisiana, and this makes sense, considering it’s the largest city in Louisiana.

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What are the cheapest car insurance rates by city?

You’ve seen the cheapest car insurance rates by ZIP code, but now it’s time to find your rate by city. Look for your city in the tables below.

Cheapest Cities in Louisiana Average Annual Rate by CityMost Expensive CompanyMost Expensive Annual Rate2nd Most Expensive Company2nd Most Expensive Annual RateCheapest CompanyCheapest Annual Rate2nd Cheapest Company2nd Cheapest Annual Rate
Hornbeck$4,332.48Allstate$5,413.73Progressive$5,142.31USAA$3,187.12State Farm$3,544.31
Kurthwood$4,355.93Allstate$5,413.73Progressive$5,152.75USAA$2,981.19State Farm$3,857.06
Fort Polk$4,397.96Allstate$5,579.18Progressive$5,152.75USAA$2,981.19State Farm$3,926.59
Leesville$4,408.37Allstate$5,579.18Progressive$5,152.75USAA$2,981.19State Farm$3,978.60
Anacoco$4,430.85Allstate$5,413.73Progressive$5,142.31USAA$3,418.09State Farm$3,805.20
Simpson$4,435.33Allstate$5,579.18Progressive$5,152.75USAA$3,173.59State Farm$3,921.03
New Llano$4,440.21Allstate$5,579.18Progressive$5,152.75USAA$3,172.35State Farm$3,946.65
Slagle$4,471.44Allstate$5,579.18Progressive$5,152.75USAA$3,418.09State Farm$3,857.06
Cullen$4,474.44Allstate$5,413.73Geico$5,046.39State Farm$3,419.17USAA$3,645.13
Florien$4,476.94Allstate$5,413.73Progressive$5,177.85State Farm$3,406.01USAA$3,555.97
Sarepta$4,477.35Allstate$5,413.73Geico$5,046.39State Farm$3,433.73USAA$3,645.13
Many$4,546.33Allstate$5,413.73Progressive$5,387.48State Farm$3,543.35USAA$3,555.97
Fisher$4,568.59Allstate$5,413.73Progressive$5,177.85USAA$3,555.97State Farm$3,864.26
Zwolle$4,580.26Progressive$5,600.85Allstate$5,413.73State Farm$3,499.60USAA$3,555.97
Noble$4,587.34Progressive$5,600.85Allstate$5,413.73State Farm$3,534.99USAA$3,555.97
Provencal$4,591.96Allstate$5,413.73Progressive$5,170.17USAA$3,580.55State Farm$3,785.75
Castor$4,592.82Allstate$5,413.73Progressive$5,270.63State Farm$3,553.73USAA$3,843.04
Shongaloo$4,595.44Progressive$5,439.25Allstate$5,413.73State Farm$3,403.32USAA$3,645.13
Lisbon$4,601.27Allstate$5,413.73Progressive$5,298.84State Farm$3,624.07USAA$3,645.13
Arcadia$4,604.07Allstate$5,413.73Progressive$5,206.83State Farm$3,594.95USAA$3,758.45
Jamestown$4,608.94Allstate$5,413.73Progressive$5,270.63State Farm$3,634.33USAA$3,843.04
Negreet$4,610.51Allstate$5,413.73Progressive$5,387.48USAA$3,555.97State Farm$3,864.26
Belmont$4,610.84Progressive$5,614.41Allstate$5,413.73USAA$3,555.97State Farm$3,577.97
Ringgold$4,613.19Allstate$5,413.73Progressive$5,216.23State Farm$3,709.97USAA$3,843.04
Haynesville$4,630.28Progressive$5,439.25Allstate$5,413.73State Farm$3,577.56USAA$3,645.13

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Hornbeck is one of the smallest cities in Louisiana, whereas New Orleans is the largest city in the state.

Most Expensive Cities in Louisiana Average Annual Rate by CityMost Expensive CompanyMost Expensive Annual Rate2nd Most Expensive Company2nd Most Expensive Annual RateCheapest CompanyCheapest Annual Rate2nd Cheapest Company2nd Cheapest Annual Rate
New Orleans$8,649.31Progressive$11,225.41Allstate$9,603.97USAA$5,944.69State Farm$6,997.47
Arabi$8,001.83Progressive$11,220.15Geico$8,646.01USAA$5,601.65State Farm$7,180.78
Harvey$7,919.05Progressive$11,116.86Geico$9,080.79USAA$5,410.50State Farm$6,169.49
Gretna$7,860.34Progressive$10,956.51Geico$8,939.46USAA$5,455.88State Farm$6,132.24
Estelle$7,857.95Progressive$10,759.92Geico$8,816.72USAA$5,929.56State Farm$5,965.95
Chalmette$7,852.33Progressive$11,251.46Geico$8,284.43USAA$5,601.65State Farm$6,763.55
Meraux$7,789.28Progressive$11,282.73Geico$8,452.79USAA$5,601.65State Farm$6,248.68
Poydras$7,346.93Progressive$11,312.43Allstate$7,360.57USAA$4,869.75State Farm$6,208.18
Lafitte$7,282.71Progressive$11,379.45Allstate$7,817.59State Farm$4,851.62USAA$5,264.66
Barataria$7,257.44Progressive$11,379.45Allstate$7,817.59State Farm$4,725.25USAA$5,264.66
Pointe A La Hache$7,254.34Progressive$11,312.43Allstate$8,110.10USAA$4,869.75State Farm$4,879.19
Kenner$7,250.98Progressive$10,866.48Geico$7,913.35USAA$5,527.33State Farm$5,756.15
Belle Chasse$7,147.88Progressive$9,986.77Allstate$8,110.10USAA$4,869.75State Farm$5,430.25
Braithwaite$7,070.65Progressive$11,312.43Allstate$7,360.57State Farm$4,710.25USAA$4,869.75
Metairie$7,028.30Progressive$10,954.16Geico$7,457.85USAA$5,202.82State Farm$5,401.80
Uncle Sam$7,025.29Progressive$11,546.32Geico$6,829.86USAA$4,890.31State Farm$5,056.99
Burnside$7,011.06Progressive$11,546.32Geico$6,829.86USAA$4,819.16State Farm$5,056.99
Port Sulphur$6,988.27Progressive$9,986.77Allstate$8,110.10USAA$4,869.75State Farm$4,874.50
Elmwood$6,943.52Progressive$10,878.87Geico$7,590.53USAA$5,006.83State Farm$5,116.54
Baton Rouge$6,786.59Progressive$9,301.30Geico$7,607.46USAA$4,869.88State Farm$5,317.05
Pilottown$6,775.22Progressive$8,916.82Allstate$8,110.10USAA$4,869.75State Farm$4,879.19
Boothville$6,756.68Progressive$8,916.82Allstate$8,110.10State Farm$4,786.49USAA$4,869.75
Venice$6,749.62Progressive$8,916.82Allstate$8,110.10State Farm$4,751.19USAA$4,869.75
Baker$6,694.24Progressive$9,061.48Geico$7,592.92USAA$4,737.73State Farm$5,276.11

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Now that we’ve talked a little bit about what can affect your car insurance rate, let’s move on and discuss car insurance company ratings.

Who are the best Louisiana car insurance companies?

With literally hundreds of car insurance companies out there, it’s difficult to know which one to choose. No one has time to sift through websites and rating pages all day, so that’s exactly why we put together a list of some of Louisiana’s best car insurance companies.

In this section, we will talk about AM Best ratings, customer satisfaction ratings, and customer complaints. After reading through this section, we are confident you’ll know which insurance company is right for you.

What’s the financial rating of the largest auto insurance companies?

CompanyAM Best RatingDirect Premiums WrittenLoss RatioMarket Share
State Farm GroupA++$1,512,62273.76%33.57%
Progressive GroupA+$602,56465.32%13.37%
Allstate Insurance GroupA+$502,61653.33%11.15%
Liberty Mutual GroupA$253,83668.10%5.63%
USAA GroupA++$248,89486.36%5.52%
Southern Farm Bureau Casualty GroupA+$231,08670.01%5.13%
Goauto Insurance CoNR$144,62674.36%3.21%
Amtrust NGH GroupA-$104,34367.11%2.32%
Safeway Insurance GroupA$72,94067.02%1.62%

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The table above shows the financial strength ratings for the top ten major insurance companies in Louisiana. AM Best ratings are another way we measure a company’s financial strength.

As you can see, these companies all have an AM Best rating of an A or higher. All of them have decent loss ratio percentages as well – above 50 percent and below 100 percent.

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Which companies have the best ratings?

In 2018, J.D. Power conducted an overall satisfaction survey and ranked car insurance companies based on five key factors: interaction; policy offerings; price; billing process and policy information; and claims.

JD Power Customer Satisfaction for Louisiana

With the exception of USAA (a company that services military members and their families), Farm Bureau Insurance of Tennessee was ranked number one in overall customer satisfaction.

The states included in this region are Alabama, Georgia, Kentucky, Louisiana, Mississippi, North Carolina, South Carolina, and Tennessee.

Which companies have the most complaints in Louisiana?

The data about company complaints below is from the NAIC.

CompanyNational Median
Complaint Ratio
Company Complaint
Ratio 2017
Total Complaints
State Farm Group10.441482
Progressive Group10.75120
Allstate Insurance Group10.5163
Liberty Mutual Group15.95222
USAA GroupN/A02
Southern Farm Bureau Casualty Group103
Goauto Insurance Co11.9325
Amtrust NGH Group102
Safeway Insurance Group11.630

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Every company gets complaints – it’s inevitable. How a company handles a complaint is what really matters.

What are the cheapest car insurance companies in Louisiana?

The average cost for full coverage car insurance in Louisiana is $2,724 per year. These drivers pay more for car insurance than other states in the US.

According to this list below, USAA and State Farm Mutual Auto have the cheapest auto insurance in Louisiana.

CompanyAverage Annual RateCompared to State AveragePercentage Compared to State Average
Allstate P&C$5,998.79$287.444.79%
Geico Cas$6,154.60$443.257.20%
Progressive Security Ins.$7,471.10$1,759.7523.55%
State Farm Mutual Auto$4,579.12-$1,132.22-24.73%

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What are the commute rates by companies?

Did you know that how far you drive every day can affect your car insurance rate?

Car insurance companies know that the more you drive, the more likely you are to get into an accident.

Group10 miles commute, 6000 annual mileage25 miles commute, 12000 annual mileage
State Farm$4,461.13$4,697.11

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Most of these companies have pretty reasonable rates based on miles. The rates are only a couple of hundred dollars more a year if you are someone who drives a little farther each day.

What are the coverage level rates by companies?

If you choose to carry more coverage than the minimum required, sometimes car insurance companies will give you a break on your rate.

GroupLow CoverageMedium CoverageHigh Coverage
State Farm$3,962.47$4,568.03$5,206.86

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What are the credit history rates by companies?

Credit can also affect your car insurance rate. If you have poor credit, you will most likely pay hundreds to thousands of dollars more a year for your car insurance policy.

GroupPoor Credit HistoryFair Credit HistoryGood Credit History
State Farm$6,350.34$4,086.69$3,300.33

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According to Experian, Louisiana has one of the lowest credit scores in the U.S.

The average credit score in the U.S. in 2017 was 675. Louisiana’s average credit score was 650. This puts Louisiana on the list of the top ten states with the lowest credit scores.

With Allstate, having a poor credit history can raise your rate by about three thousand dollars. Yikes! Want to prevent this from happening? Don’t miss credit card payments, and keep your credit utilization low.

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What are the driving record rates by companies?

Driving record: this might be the number one factor car insurance companies care about. Your record reflects behavior and car insurance companies want to know if you are a safe driver or if you are a reckless driver.

GroupClean recordWith 1 speeding violationWith 1 accidentWith 1 DUI
State Farm$4,196.97$4,579.12$4,961.27$4,579.12

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Sometimes accidents are unavoidable, but getting a traffic ticket or being convicted of a DUI are things that are 100 percent avoidable and unnecessary.

If you get just one speeding violation, your rates are likely to increase by up to $1000 or more. Drinking and driving is against the law, but if you violate this law, be prepared to take a major hit when it comes to your car insurance rate.

What’s the number of insurers in Louisiana?

DomesticForeignTotal Number of Licensed Insurers

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What is the difference between a domestic insurer and a foreign insurer?

Domestic insurance laws are formed under the laws of the state of Louisiana. Foreign insurance laws are formed under the laws of the U.S. or any state in the U.S.

What are the Louisiana state laws?

This post is about car insurance – so don’t be overwhelmed. We know that understanding and remembering every single state law ever written can be daunting, but because we’re talking about driving and car insurance, we think it’s important to explain Louisiana state car insurance and driving laws.

If you want to avoid car accidents, tickets, and fines, pay attention to this next section as we discuss topics like high-risk auto insurance, windshield coverage, auto fraud, and more. The following information and statistics are cited from the NAIC, the IIHS, and responsibility.org.

First, let’s discuss car insurance laws in Louisiana.

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What are the car insurance laws in Louisiana?

As you now know, every driver in Louisiana must have car insurance – that’s non-negotiable. But who decides what kinds of laws car insurance companies must follow? Good question. We’re glad you asked.

According to the NAIC, State laws have a considerable influence on auto insurance. Each state determines the type of tort law and threshold (if any) that applies in the state, the type and amount of liability insurance required, and the system used for approval of insurer rates and forms.

The states employ a variety of rate regulation mechanisms. Options include: 1) determined by Commissioner; 2) prior approval; 3) modified prior approval; 4) flex rating; 5) file and use; 6) use and file; and 7) no file.

Louisiana always uses what’s called “prior approval” when car insurance companies want to file a new law. But what does prior approval mean?

Prior Approval means that rates/forms must be filed with and approved by the state insurance department before they can be used. Approval can be by means of a deemer provision, which indicates approval if rates/forms are not denied within a specified number of days.

Let’s talk about some of the car insurance laws applicable to Louisiana.

How to get windshield coverage

Unfortunately for Louisiana drivers, car insurance companies are not liable to pay for a broken windshield – even if someone breaks into your car and smashes it in the process.

However, some car insurance providers may include windshield coverage in a comprehensive plan. Here are some laws that may apply with this coverage:

  • Non-OEM aftermarket crash parts allowed for replacement with written notice
  • Max comprehensive insurance deductible is $250

According to these laws above, you still might be stuck paying a $250 insurance deductible when filing for windshield repairs through your insurance company.

How to get high-risk auto insurance

Sometimes accidents are completely unavoidable, and that’s exactly why car insurance is an important investment to have. If you’re involved in an accident, or you cause one, you might have to get what is called high-risk auto insurance or SR22 insurance.

According to the DMV, in Louisiana, SR-22 applies to high-risk drivers. According to the DMV, drivers who require SR-22 pose a safety threat to others.

As a result, DMV requires the added protection to ensure that these drivers have enough insurance to cover damages for bodily harm or damages to the property of others. Drivers may need to purchase for a variety of reasons including:

  • Accident Judgements: Drivers who are involved in an accident must enter into an installment agreement with the OMV. They must also maintain the SR-22 policy for three years from the date the installment agreement ends
  • DWI Convictions: Motorists convicted for driving with a blood-alcohol level of .08 or above must purchase the insurance for three years from the date of arrest
  • Affidavit of Arrest: Drivers who refuse a blood alcohol test will be automatically arrested and will be required to maintain the insurance for three years following the date of arrest
  • Notice of Violation: Drivers who fail to maintain minimum liability insurance must present evidence of insurance within three days of an accident, or they may receive notice of non-compliance

Drivers must maintain Louisiana SR-22 for three years. The SR-22 may be dropped at that time provided there was no coverage lapse.

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Is there a low income car insurance program?

At this time there is not a government-assisted insurance program for families with low incomes, however, if you’re discouraged by this and you’re still looking to save a few bucks on your Louisiana car insurance policy, ask your provider if they carry these insurance discounts and if you are eligible for them:

  • Multi-car discount
  • Military discount
  • Veterans discount
  • Homeowners discount
  • Good driver discount
  • Student discount

California, New Jersey, and Hawaii are the only states in the U.S. with a government-assisted car insurance program.

Is there an automobile insurance fraud in Louisiana?


What is automobile insurance fraud?

According to the IIHS, insurance fraud can be “hard” or “soft.” Hard fraud occurs when someone deliberately fabricates claims or fakes an accident. Soft insurance fraud, also known as opportunistic fraud, occurs when people pad legitimate claims.

The IIHS also says that the Insurance Research Council reported that “Auto insurance fraud and claim buildup added between $4.9 billion and $6.8 billion to closed auto injury claim payments in 2007.”

Worried about getting caught for insurance fraud? Don’t pad your claims and don’t fake an accident.

If you know someone who has committed insurance fraud or you need to contact the Louisiana State Insurance Department, you can visit their website at www.ldi.la.gov, follow them on Twitter @LAInsuranceDept, or give them a phone call at 1-800-259-5300.

What’s the statute of limitations?

When filing claims, you can’t wait 20 years from the time of your accident to finally call up your insurance company and ask for a check to cover property damage and/or medical bills. The statute of limitations prevents this from happening.

According to Louisiana state law, you have one year from the date of your accident to file and resolve a claim for personal injury and property damage.

One year can fly by pretty fast, so if you’ve been in a recent accident, file your claim so you’re not stuck paying out of pocket for those medical and property damage liability expenses.

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What are the Louisiana state-specific laws?

Every state has its own set of weird driving laws. We thought we’d include those in this section.

Louisiana revised statute 32:300.4 states that it is “unlawful for the operator or any passenger in a motor vehicle to smoke cigarettes, pipes, or cigars in a motor vehicle, passenger van, or pick-up truck, when a child who is required to be restrained in a rear-facing child safety seat, a forward-facing child safety seat, a booster seat, or a motor vehicle’s safety belt as required in R.S. 32:295 is also present in such vehicle, regardless of whether windows of the motor vehicle are down.”

Taxi drivers are prohibited from making love in the front seat of their taxi during their shifts.

For more info about car insurance laws, visit the Louisiana Office of Motor Vehicles.

What are the vehicle licensing laws?

What do we mean when we refer to vehicle licensing laws? These are laws that cover topics like how old you need to be to get your license, what type of license a driver needs when to renew your license and more.

First, let’s talk about REAL ID laws.

What is a Real ID?

What exactly is a REAL ID?

By October 1st, 2020, all Louisiana residents will be required to carry a REAL ID with them while traveling domestically on an airplane. Residents will need the REAL ID to get through airport security.

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What are the penalties for driving without insurance in Louisiana?

Paying for something you can’t see the immediate benefits of kind of stinks — especially when you’re wallet keeps crying itself to sleep every night because it feels empty inside.

Regardless of your near-empty wallet, you have to know by now that driving without car insurance is against the law in the state of Louisiana, and if you do so, you will be facing some serious penalties.

The first time you are caught driving without car insurance, you’ll have to pay some serious green.

  • Fine: $500 to $1000
  • If in a car accident, fine plus registration revoked and driving privileges suspended for 180 days

Let’s review what kind of proof of insurance is accepted in the state of Louisiana:

  • Valid liability insurance ID cards
  • Copy of your current car’s insurance policy
  • Valid insurance binder (a temporary form of car insurance)
  • Picture of proof of insurance on your smartphone

Anytime a law enforcement officer pulls you over and requests to see your license, proof of insurance and registration, you must hand it over to him or her. Failure to do so can result in your car being impounded, your license plates removed and a yellow sticker will be attached to your rear windshield. You have three days to provide proof of insurance.

As you can see, purchasing car insurance is usually a much cheaper option than not having car insurance.

What are the teen driver laws?

In the state of Louisiana, you must be at least 15 years old to start driver’s education classes. However, there are legal requirements that must be met before turning 16 years old and getting a restricted driver’s license.

Look below at the chart for teenage driver laws.

Requirements for Getting a License in LouisianaDetails
Mandatory Holding Period6 months
Minimum Supervised Driving Time50 hours, 15 of which must be at night
Minimum Age16

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Here are some rules for teen drivers with restricted licenses.

Teen Driver RestrictionsDetails
Nighttime restrictions11 p.m. - 5 a.m.
Passenger restrictions (family members excepted unless noted otherwise)no more than one passenger younger than 21 between the hours of 6 pm-5 am; no passenger restriction from 5 am-6 pm
Minimum age at which restrictions may be lifted
Nighttime restrictionsuntil age 17 (min. age: 17)
Passenger restrictionsuntil age 17 (min. age: 17)

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What are the driver license renewal procedures?

In the state of Louisiana, every driver must renew his or her license every six years.

Is proof of adequate vision required at every renewal?

  • Drivers under the age of 70 years old must provide proof of adequate vision when renewing a license in person
  • Drivers 70 years old and over must provide proof of adequate vision at every renewal

Are drivers allowed to renew licenses online or by mail?

  • Drivers under the age of 70 may renew a license online or by mail every other renewal
  • Drivers 70 years old and older are not permitted to renew a license by mail or online

Now that we’ve covered driver license renewal procedures, let’s move on to new resident procedures.

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What is the procedure for new residents in Louisiana?

According to the Louisiana Department of Public Safety Office of Motor Vehicles, once you move to Louisiana from another state, you have just 30 days to obtain a Louisiana driver’s license.

When applying for a Louisiana driver’s license at the Office of Motor Vehicles, you will need the following documents:

  • One primary document
  • Social Security Number
  • Proof of residency
  • Photo license from the last state of issuance

If the applicant does not have a photo license, an official driving record from the last licensing state listing the applicant’s personal information and driver’s license number is required.

Before or right after you move to Louisiana, you’ll want to make sure to contact your insurance provider and let them know you need Louisiana car insurance.

The minimum liability insurance requirements are as follows:

  • $15,000 for bodily injury or death of one person in an accident caused by the driver of the insured vehicle
  • $30,000 for total bodily injury or death liability in an accident caused by the driver of the insured vehicle
  • $25,000 for property damage per accident caused by the driver of the insured vehicle

Remember, some insurance providers do not have insurance policies in certain states.

What is a negligent operator treatment system (NOTS)?

Negligent or “reckless operation” of a vehicle is a crime in Louisiana. The offense is defined as driving in a “criminally negligent or reckless manner.” In other words, a person can be convicted of reckless driving for driving in a way that a reasonably careful person would know is dangerous.

In Louisiana, reckless driving of a vehicle is a misdemeanor. The possible penalties for a violation are:

  • First offense: A first reckless operation conviction carries up to 90 days in jail and/or $200 in fines
  • Repeat offense: For a second or subsequent reckless operation conviction, the driver faces ten days to six months in jail and/or $25 to $500 in fines

Motorists who are convicted of three reckless operation offenses within a period of 12 months are looking at a 24-month license suspension.

What are the rules of the road in Louisiana?

Not knowing the rules of the road could cost you your license, money, and maybe even your life or someone else’s. In this section, we want to talk about seat belt laws, car seat laws, speed limit laws, and ridesharing.

Buckle up, Buttercup. We’re about to get started.

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Is Louisiana at fault or no-fault state?

As we previously discussed, Louisiana is an at-fault state. This means that if you cause an accident, you are fully responsible to cover the costs of damages and medical bills which resulted from that accident. You may have caused an accident that leads to 25 people being injured and 16 cars were totaled. Guess what?

You’re still responsible one way or another.

This is exactly why having more insurance than the minimum amount that is required is highly recommended. No one wants to pay for damages out of pocket.

What are the seat belt and car seat laws?

Vehicle crashes are the leading cause of death for children and adults aged between 3-33 years old. Luckily, the proper usage of seat belts, child restraints, and/or car seats can protect you and your children in the event of a collision.

Are you aware of Louisiana’s seat belt and car seat laws? Louisiana wants drivers (and passengers) to be safe while on the road. Look at this chart below if you are unsure of seat belt laws in Louisiana.

Seat Belt LawsDetails
Effective SinceJuly 1, 1986
Primary Enforcementyes; effective 09/01/95
Age/Seats Applicable13+ years in all seats
1st Offense Max Fine$50 plus fees

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Louisiana also wants small children to be safe while riding in a moving vehicle. Check out the Louisiana car seat laws below.

Type of Car Seat RequiredAge
Rear-Facing Child Restraintyounger than 2 years and until reaching the weight or height limit as set by the manufacturer must be in a rear-facing system
Forward-Facing Child Restraintat least 2 through 3 years and until reaching the weight or height limit as set by the manufacturer must be in a forward-facing restraint
Child Booster Seatat least 4 years through 8 years or until reaching the weight or height limit as set by the manufacturer must be in a booster
Adult Belt Permissible9 through 17 years; children who have outgrown the height or weight limits of the child booster seat as set by the manufacturer(effective 08/01/19)

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Protect your little riders; if you don’t, you’re looking at paying a fine of $100 plus fees the first time you break one of these laws.

Another rule to pay attention to regarding riding in a vehicle:

It is against the law to ride in the cargo area of a pickup truck. Please note that insurance will not cover your claim if you have been in an accident while riding in the cargo area.

You will not be covered if the following applies:

  • people 12 and older if the truck is being moved on a non-interstate highway
  • parades moving less than 15 mph
  • emergencies if the child is with an adult in the cargo area
  • emergencies while moving on an interstate highway

What are the keep right or move over laws?

Let’s talk about keep right or move over laws in the state of Louisiana.

Left lane driving is only allowed for passing or turning left. However, there are exceptions to this law. On multilane highways keep right except to pass. Move right if blocking overtaking traffic.

According to AAA, state law requires drivers approaching any stationary emergency vehicle, including tow trucks, displaying flashing lights and traveling in the same direction, to vacate the lane closest if possible to do so, or slow to a reasonably safe speed.

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What are the speed limit laws in Louisiana?

The following information is pulled from the IIHS.

Below are the maximum speed limit laws for the state of Louisiana.

Type of RoadwaySpeed Limit
Rural Interstates75 mph
Urban Interstates70 mph
Other Limited Access Roads70 mph
Other Roads65 mph

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How does ridesharing work?

Have you ever heard of ridesharing? Ridesharing insurance is required when you are employed for companies like Uber or Lyft and you drive people around for your job.

If you are looking for ridesharing insurance in Louisiana, check out the following insurance providers:

  • Allstate
  • USAA
  • Geico
  • State Farm

Please keep in mind that some insurance companies may refuse to insure you if you are in the ridesharing business.

Is there an automation on the road?

What is automation on the road?

According to the IIHS, automation involves using radar, camera, and other sensors to perform parts or all of the driving tasks on a sustained basis instead of the driver. One example is adaptive cruise control, which continually adjusts the vehicle’s speed to maintain a set minimum following distance.

Features such as automatic braking, which acts as a back-up if the human driver fails to brake, or blind-spot detection, which provides additional information to the driver, aren’t considered automation under this definition.

Driving automation is not limited to vehicles that drive themselves without human interaction but includes technologies that vary in technical capability.

Louisiana doesn’t currently have any laws about automation, but this might change in the near future as technology advances.

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What are the safety laws?

If you haven’t paid attention thus far, make sure you read this next section on Louisiana safety laws. It can be daunting to read about DUIs, distracted driving laws, and impaired driving laws, but it’s important to know about these laws so you know what to avoid while driving.

What are the DUI laws?

In the year 2017, there were 212 alcohol-related traffic fatalities. Similar to many other states, Louisiana has strict DUI laws.

Formal Name for OffenseDriving under the influence (DUI)
BAC Limit0.08
High BAC Limit0.15; 0.2
Criminal Status1st-2nd not classified, 3rd either misdemeanor or felony, 4th felony
Look Back Period10 years

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Please see the chart below for the penalties for drinking and driving.

Number of OffenseALS or RevocationImprisonmentFineOther
1st Offense1 year/hBAC 2 years48 hours in jail + up to 6 months OR fine; up to 2 years probation$300-$1000 +$100 reinstatement fee30 hours reeducation, 32+ hours community service, half must be street garbage pickup
2nd Offense2 years / hBAC 4 years48 hours+$750-$1000 +$200 reinstatement feepossible 30 days community service +reeducation requirements of 1st DWI
3rd Offense3 years1-5 years w/ or w/o hard labor$2000 +$300 reinstatement fee30 days community service, evaluation for addictive disorder, IID, probabtion and home incarceration for any part of suspended sentence
4th Offensevehicle seized10-30 years, two years served w/o suspension or parole + home incarceration for at least 1 year$5000 +$300 reinstatment fee40 days community service

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If you get caught drinking and driving a fifth time in Louisiana, the consequences will be the same as if it were your fourth offense.

These penalties aren’t inexpensive; don’t drink and drive. Every time you drink and drive you risk your own life as well as other driver’s lives on the road.

What are the marijuana-impaired driving laws?

Currently, there are not any laws about doing marijuana while driving, but this doesn’t mean you can’t be pulled over for driving under the influence.

Law enforcement officers can pull you over for what is called “impaired driving.”

If you are caught driving under the influence or driving while impaired, you could have to pay expensive fines and even face some jail time. If and when your insurance company gets wind of these charges, your car insurance rate will increase.

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What are the distracted driving laws?

Technology has become a helpful tool, but it’s also been destructive – especially when it comes to distracted drivers and texting and driving. Look at the table below to learn more about distracted driving laws.

Hand-held banYoung drivers all cellphone banTexting banEnforcement
drivers in signed school zones; with respect to novice driversall novice driversall driversprimary

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According to the IIHS, all Louisiana learner’s permit holders, irrespective of age, and all intermediate license holders are prohibited from driving while using a hand-held cellphone. All drivers younger than 18 are prohibited from using any cellphone.

All drivers, irrespective of age, issued a first driver’s license are prohibited from using a cellphone for one year. The cellphone ban is secondary for novice drivers ages 18 and older.

AAA says school bus drivers may not use cell phones while driving. Drivers are banned from using a wireless telecommunications device to access, read, or post to a social networking site.

What’s driving in Louisiana like?

The following data is cited from NHTSA Crash Report by State, Responsibility.org, and Data USA.

Now that we’ve covered the rules of the road, car insurance laws, and safety laws, it’s time to talk about Louisiana’s risks of the road.

What are some of the risks to owning and operating a vehicle in Louisiana?

From crash reports to traffic fatalities and vehicle theft, we’re going to cover it all in this next section. After all, if you could avoid being in an accident, wouldn’t you want to know how to avoid it?

Is there a vehicle theft in Louisiana?

Did you know that some cars are more stolen than other cars?

Below is a list of vehicle car theft trends in the state of Louisiana. The year with the vehicle is just the most popular model year stolen.

Make/ModelYear of VehicleThefts
Chevrolet Pickup (Full Size)2006671
Ford Pickup (Full Size)2006584
GMC Pickup (Full Size)2006253
Toyota Camry2007224
Dodge Pickup (Full Size)2003222
Nissan Altima2014215
Honda Accord2008209
Chevrolet Impala2008177
GMC Yukon2003125
Chevrolet Tahoe2007114

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According to the table above, Chevy pick-up trucks are some of the most-stolen vehicles in Louisiana.

If you’ve got the right kind of insurance and are or have been a victim of car theft, you shouldn’t have to worry because your car should be replaced under the right auto insurance policy.

This next list is pulled directly from the FBI. It shows the cities in Louisiana where vehicle theft occurs the most. You’ll notice that some of these cities show zero theft. That’s no error – that’s correct! See if you can find your city in the list below.

Baton Rouge663
Bossier City221
Breaux Bridge19
Denham Springs3
De Quincy1
De Ridder5
French Settlement1
Golden Meadow0
Krotz Springs4
Lake Charles207
Lake Providence1
Morgan City26
New Orleans2,427
Oak Grove1
Oil City1
Pearl River2
Port Allen8
Port Vincent2
St. Gabriel6
Ville Platte3
West Monroe52
White Castle0

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Now that we’ve covered vehicle theft, it’s time to get into something a little more depressing: traffic fatalities.

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What are the road fatalities in Louisiana?

It’s good to know road fatality rates in the state you live in, not because it’s a particularly fun fact, but because they can help you avoid accidents and possibly even save your life.

In this section, we want to discuss what kinds of factors affect traffic fatality rates. Does the weather have anything to do with traffic fatalities? Are certain cars more likely to get into an accident than others? What about EMS response time?

We will discuss these factors and more soon, but first, let’s look at the weather as it pertains to road fatalities.

What’s the number of fatal crashes by weather condition and light condition?

Weather ConditionDaylightDark, but LightedDarkDawn or DuskOther / UnknownTotal

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According to this list, most of these fatalities occurred in broad daylight without any weather conditions. A few of them occurred in the rain, and even less occurred in the snow.

What’s the number of fatalities (all crashes) by county?

This list and a few more below are pulled from the National Highway Traffic Safety Administration.

Per 100k
Acadia Parish121817121219.2728.7227.1119.1119.17
Allen Parish3666511.6823.3223.4123.3619.52
Ascension Parish232319212820.0719.6115.9217.2922.77
Assumption Parish51156221.5647.7521.8426.378.88
Avoyelles Parish91376721.831.6117.0614.6217.08
Beauregard Parish5655813.7816.5513.6913.5121.66
Bienville Parish4316228.6421.767.2343.4614.66
Bossier Parish9141211157.2611.219.548.7111.75
Caddo Parish294036273611.3615.8214.3110.8414.6
Calcasieu Parish242436473812.2812.218.1323.4318.77
Caldwell Parish4541440.0850.2739.799.9340.2
Cameron Parish1110314.9214.8914.67043.4
Catahoula Parish103219.75029.8920.1810.13
Claiborne Parish223411212.1918.4424.756.26
Concordia Parish7473134.1519.5434.61155.03
De Soto Parish4535814.7618.4711.0718.3729.26
East Baton Rouge Parish41504352659.2211.219.6311.6114.57
East Carroll Parish1140013.3413.4454.9800
East Feliciana Parish26816810.230.4840.9381.9541.21
Evangeline Parish6298617.735.9226.6823.7317.8
Franklin Parish257549.7524.4834.3524.5519.74
Grant Parish165264.4926.8722.448.9726.86
Iberia Parish16152415821.6520.3432.5120.5311.08
Iberville Parish6161318617.9848.2939.2154.6818.17
Jackson Parish3242318.612.5125.0812.6218.93
Jefferson Davis Parish7410121222.3612.7231.8238.2538.12
Jefferson Parish22242634285.065.515.957.756.38
La Salle Parish2535213.533.6220.0233.2213.39
Lafayette Parish383129241816.4213.1412.19.937.42
Lafourche Parish242920242324.6829.6220.3324.3423.37
Lincoln Parish8824516.9116.94.28.410.47
Livingston Parish252418252318.6517.713.0817.8516.64
Madison Parish54114741.9933.8495.2234.8361.86
Morehouse Parish9374533.4111.2626.6115.4419.5
Natchitoches Parish106810625.5715.3420.5125.6415.38
Orleans Parish535050554413.981312.813.9911.19
Ouachita Parish222321202814.114.7113.3812.7417.96
Plaquemines Parish3481112.7517.1534.124.294.28
Pointe Coupee Parish678111126.7631.3836.0349.6549.4
Rapides Parish162222201312.0916.6316.6715.149.87
Red River Parish4434544.6245.6434.4246.3358.58
Richland Parish4563519.1224.0829.214.6724.5
Sabine Parish11636845.3424.8712.3824.933.31
St. Bernard Parish6362313.816.7513.24.376.49
St. Charles Parish13678824.6911.3813.315.1315.17
St. Helena Parish5662946.4257.0657.3919.1686.85
St. James Parish7654432.3827.8823.2718.6618.72
St. John The Baptist Parish158810834.4218.2918.352318.42
St. Landry Parish202521152323.9829.8825.1117.9227.55
St. Martin Parish141610131726.4630.0318.5624.1631.38
St. Mary Parish1213124922.4124.422.687.6717.66
St. Tammany Parish20222623308.268.9610.439.111.7
Tangipahoa Parish262236403120.7317.3327.9630.6223.4
Tensas Parish1211120.2741.220.9521.3821.67
Terrebonne Parish221916202919.5216.7414.0417.6825.87
Union Parish7677131.1826.631.1130.964.43
Vermilion Parish46141046.7410.0723.3416.616.65
Vernon Parish13118131124.6120.8115.5325.1821.69
Washington Parish101010121521.5321.5721.5625.8532.17
Webster Parish554171112.312.419.9842.7227.93
West Baton Rouge Parish1111951244.6643.6735.219.2845.69
West Carroll Parish113138.738.6826.598.9927.32
West Feliciana Parish2331312.9519.5219.546.5319.51
Winn Parish02337013.520.4920.6448.91

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Traffic fatalities: Rural vs Urban

Are traffic fatalities more likely to happen in rural environments or in the city?

Total Fatalities 916824721680723703740752757760

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Usually, more fatalities happen in rural environments because it takes longer for an emergency service to get to a victim. However, some cities have a higher fatality rate because there are more cars on the road, which means more fatal accidents are likely to occur, resulting in a higher fatality rate.

What’s the number of fatalities by person type?

Did a person or vehicle type affect the Louisiana fatality rate?

Person Type20132014201520162017
OccupantsPassenger Car243258259254254
Light Truck - Pickup137150145138144
Light Truck - Utility8687727476
Light Truck - Van108161714
Large Truck132071130
Other/Unknown Occupants1510161411
Total Occupants504533519512529
Light Truck - Other00440
MotorcyclistsTotal Motorcyclists8683919496
Bicyclist and Other Cyclist1413342222
Other/Unknown Nonoccupants26222
Total Nonoccupants113124142151135

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According to this chart above, passenger cars were involved in traffic fatalities the most.

What’s the number of fatalities by crash type?

Accidents involving a roadway departure resulted in the most traffic fatalities in Louisiana.

Crash Type20132014201520162017
Total Fatalities (All Crashes)703740752757760
(1) Single Vehicle403467435418440
(2) Involving a Large Truck84807989102
(3) Involving Speeding193204171173177
(4) Involving a Rollover197227204177204
(5) Involving a Roadway Departure435467411415421
(6) Involving an Intersection (or Intersection Related)119153151138141

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Five-year fatality trend for the top 10 counties in Louisiana

Here’s the five-year traffic fatality trend for the top ten largest counties in Louisiana.

East Baton Rouge Parish4150435265
Orleans Parish5350505544
Calcasieu Parish2424364738
Caddo Parish2940362736
Tangipahoa Parish2622364031
St. Tammany Parish2022262330
Terrebonne Parish2219162029
Ascension Parish2323192128
Jefferson Parish2224263428
Ouachita Parish2223212028

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East Baton Rouge Parrish had 65 road fatalities in the year 2017.

What’s the number of fatalities involving speeding by county?

Speeding is another major factor when it comes to traffic fatality rates.

Per 100k
Acadia Parish485026.4212.777.9703.2
Allen Parish122103.897.777.83.890
Ascension Parish5510874.364.268.386.595.69
Assumption Parish241218.6217.364.378.794.44
Avoyelles Parish122202.424.864.874.870
Beauregard Parish220105.515.5202.70
Bienville Parish00100007.2300
Bossier Parish331042.422.40.803.13
Caddo Parish131712595.096.724.772.013.65
Calcasieu Parish81081064.
Caldwell Parish00102009.95020.1
Cameron Parish0000000000
Catahoula Parish0000000000
Claiborne Parish12020612.19012.370
Concordia Parish3053014.64024.72150
De Soto Parish4132214.763.6911.077.357.32
East Baton Rouge Parish985392.021.791.120.672.02
East Carroll Parish0000000000
East Feliciana Parish0114305.085.1220.4915.45
Evangeline Parish200325.91008.95.93
Franklin Parish112114.884.99.814.914.94
Grant Parish0241108.9617.954.484.48
Iberia Parish324324.062.715.424.112.77
Iberville Parish110341330.189.0512.153.03
Jackson Parish0100006.25000
Jefferson Davis Parish111213.
Jefferson Parish846831.840.921.371.820.68
La Salle Parish101306.7506.6719.930
Lafayette Parish984253.893.391.670.832.06
Lafourche Parish5755115.
Lincoln Parish0301206.3402.14.19
Livingston Parish584383.735.92.912.145.79
Madison Parish112018.48.4617.3108.84
Morehouse Parish3301011.1411.2603.860
Natchitoches Parish213205.112.567.695.130
Orleans Parish8691272.111.562.33.051.78
Ouachita Parish563063.23.841.9103.85
Plaquemines Parish214018.54.2917.0604.28
Pointe Coupee Parish3127213.384.489.0131.598.98
Rapides Parish5135743.789.833.795.33.04
Red River Parish3211233.4722.8211.4711.5823.43
Richland Parish111014.784.824.8704.9
Sabine Parish6121124.734.
St. Bernard Parish210114.62.2502.182.16
St. Charles Parish8423415.27.593.85.677.58
St. Helena Parish004010038.2609.65
St. James Parish0200009.29000
St. John The Baptist Parish6325113.776.864.5911.52.3
St. Landry Parish785328.399.565.983.582.4
St. Martin Parish272373.7813.143.715.5812.92
St. Mary Parish0000100001.96
St. Tammany Parish65106102.482.044.012.373.9
Tangipahoa Parish46814143.194.736.2110.7210.57
Tensas Parish0001000021.380
Terrebonne Parish9947117.997.933.516.199.81
Union Parish3211013.368.874.444.420
Vermilion Parish133201.695.0453.320
Vernon Parish6112611.361.891.943.8711.83
Washington Parish0224404.314.318.628.58
Webster Parish301717.3802.517.592.54
West Baton Rouge Parish3312412.1811.913.917.7115.23
West Carroll Parish100018.730009.11
West Feliciana Parish101006.4706.5100
Winn Parish00122006.8313.7613.98

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What’s the number of fatalities in crashes involving an alcohol-impaired driver (BAC = .08+) by county?

Drunk driving is another horrible thing that claims the lives of thousands of Americans each year. Louisiana has one of the highest alcohol-impaired fatality rates in the country. There were 212 traffic deaths in 2017 which resulted from alcohol in one way or another.

Per 100k
Acadia Parish253243.217.984.783.186.39
Allen Parish132003.8911.667.800
Ascension Parish654675.244.263.354.945.69
Assumption Parish141104.3117.364.374.390
Avoyelles Parish8221319.384.864.872.447.32
Beauregard Parish4410111.0311.032.7402.71
Bienville Parish0000000000
Bossier Parish143030.813.22.3902.35
Caddo Parish616177142.356.336.762.815.68
Calcasieu Parish881317124.094.076.558.475.93
Caldwell Parish01201010.0519.9010.05
Cameron Parish001010014.67014.47
Catahoula Parish101009.7509.9600
Claiborne Parish1002060012.370
Concordia Parish0212009.774.94100
De Soto Parish3311111.0711.083.693.673.66
East Baton Rouge Parish8171414191.83.813.143.134.26
East Carroll Parish01100013.4413.7500
East Feliciana Parish121825.110.165.1240.9810.3
Evangeline Parish202535.9105.9314.838.9
Franklin Parish222229.759.799.819.829.87
Grant Parish05112022.394.494.488.95
Iberia Parish93146212.184.0718.968.212.77
Iberville Parish4715211.9821.133.0215.196.06
Jackson Parish0110106.256.2706.31
Jefferson Davis Parish234226.399.5412.736.386.35
Jefferson Parish6971061.382.
La Salle Parish101216.7506.6713.296.7
Lafayette Parish201210558.645.
Lafourche Parish818458.
Lincoln Parish220124.234.2202.14.19
Livingston Parish6116944.488.114.366.422.89
Madison Parish2231116.816.9225.978.718.84
Morehouse Parish113113.713.7511.43.863.9
Natchitoches Parish322307.675.115.137.690
Orleans Parish22131821165.83.384.615.344.07
Ouachita Parish838485.131.925.12.555.13
Plaquemines Parish235118.512.8621.324.294.28
Pointe Coupee Parish226538.928.9727.0222.5713.47
Rapides Parish254421.513.783.033.031.52
Red River Parish1221211.1622.8222.9511.5823.43
Richland Parish00201009.7304.9
Sabine Parish5112220.614.
St. Bernard Parish321106.914.52.22.180
St. Charles Parish7243213.33.797.65.673.79
St. Helena Parish2210618.5719.029.56057.9
St. James Parish241119.2518.584.654.674.68
St. John The Baptist Parish430109.186.8602.30
St. Landry Parish5155575.9917.935.985.978.38
St. Martin Parish7633613.2311.265.575.5811.08
St. Mary Parish341135.67.511.891.925.89
St. Tammany Parish477661.652.852.812.372.34
Tangipahoa Parish81020876.387.8815.546.125.28
Tensas Parish0001000021.380
Terrebonne Parish98811137.997.057.029.7211.6
Union Parish101304.4504.4413.270
Vermilion Parish133521.695.0458.33.33
Vernon Parish473637.5713.245.8311.625.91
Washington Parish431428.616.472.168.624.29
Webster Parish200634.920015.087.62
West Baton Rouge Parish4452516.2415.8819.557.7119.04
West Carroll Parish00100008.8600
West Feliciana Parish110016.476.51006.5
Winn Parish0000000000

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Please don’t drink and drive. Every time you choose to disregard this law, you risk your life and the lives of other drivers on the road.

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What’s the percentage of teen drinking and driving fatalities?

Teenage driving is a scary thing, but when you put alcohol into the hands of a brand new driver, bad things are bound to happen.

Let’s look at some statistics for teen drinking and driving. According to responsibility.org, in 26 states and D.C., under-21 alcohol-impaired driving fatalities per 100,000 population were at or below the national average of 1.2 deaths per 100,000 population.

Number of Under 18 DWI Arrests:Total Per One Million People (DUI Under 18 Arrests):Rank:

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Louisiana’s average is slightly above the national average at 1.3 alcohol-impaired driving fatalities per 100,000 population. Louisiana is ranked 45th in the U.S. for under-18 DUI arrests.

What’s the EMS response time?

Arriving seconds too late or seconds early can often mean the difference between life and death when it comes to EMS response time.

AreaTime of Crash to EMS NotificationEMS Notification to EMS ArrivalEMS Arrival at Scene to EMS Arrival at HospitalTime of Crash to Hospital ArrivalTotal Fatal Crashes
Rural6 mins14.32 mins46.13 mins61.82 mins325
Urban4.19 mins8.92 mins32.77 mins44.29 mins370

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Don’t be discouraged by these numbers even though they seem kind of high. Usually, it takes a little longer to reach a victim in a rural area than it does to reach one in an urban area because cities are more populated with EMS services.

While we’re on the subject of transportation time, let’s move on to some transportation and car ownership statistics.

What’s transportation in Louisiana like?

Have you ever wondered how many cars people in your state own?

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What’s the percentage of car ownership?

According to Data USA, on average, Louisiana residents own a total of two cars. The orange bars represent Louisiana’s average while the gray bars show America’s average.

Louisiana Car Ownership

What’s the average commute time?

Data USA also says by using averages, employees in Louisiana have a shorter commute time (24.4 minutes) than the normal US worker (25.5 minutes). Additionally, 2.68 percent of the workforce in Louisiana have “super commutes” in excess of 90 minutes.

Louisiana Commute Time

What’s the preferred commuter transportation?

Most Louisiana drivers commute alone every day to work. Ten percent carpool to work, and 3.34 percent of Louisiana residents work from home.

Commuter transportation for Louisiana

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Is there a traffic congestion in Louisiana?

According to Inrix, New Orleans is the 137th most traffic-congested city in the world.

City2018 World RankHours Lost in CongestionCost of Congestion (per driver)Inner City Traffic Time (minutes)Inner City Traffic Speed
New Orleans13773$1,023512 mph

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Now that we’ve covered all there is to know about Louisiana car insurance, it’s time to start shopping for your very own car insurance policy. Even if you already know about Louisiana car insurance or you already have a policy, it’s still good to review all of the insurance discounts and special perks you can get just by having more coverage than what is required.

If you’re curious to know what your Louisiana car insurance rate will be, use our free tool by entering your zip here in the box below.

Happy shopping.


https://www.thehartford.com/aarp/car-insurance/louisiana/state-driving https://www.nolo.com/legal-encyclopedia/louisiana-car-insurance-laws.html https://www.ldi.la.gov/docs/default-source/documents/publicaffairs/consumerpublications/auto-insurance-guide.pdf  https://content.naic.org/ https://autoclubsouth.aaa.com/automotive/roadside-assistance.aspx https://www.geico.com/auto-insurance/mechanical-breakdown-insurance/ https://www.progressivecommercial.com/coverages/non-owned-car/ https://www.nationwide.com/hot-rod-insurance.jsp https://www.naic.org/cipr_topics/topic_usage_based_insurance.htm https://www.jdpower.com/business/press-releases/jd-power-2018-us-auto-insurance-study https://naic.org/index_consumer.htm#complaints_state https://www.iii.org/article/background-on-insurance-fraud https://www.responsibility.org/alcohol-statistics/state-map/state/california/ https://www.dmv.com/la/louisiana/sr-22 https://www.ldi.la.gov https://www.expresslane.org/Pages/default.aspx https://www.einsurance.com/insurance-guide/louisiana/auto-insurance/ http://web01.dps.louisiana.gov/omv1.nsf/58c968bd569b099986256cdc000806eb/4c301c2316ab7a2a862564ae005 https://www.drivinglaws.org/resources/louisiana-reckless-operation-driving-laws-and-penalties.htm http://legis.la.gov/Legis/law.aspx?d=88525 https://drivinglaws.aaa.com/tag/move-over-law/ https://www.iihs.org/topics/speed/speed-limit-laws https://www.iihs.org/topics/advanced-driver-assistance#automation https://drivinglaws.aaa.com/tag/distracted-driving/ https://cdan.dot.gov/ https://www.responsibility.org/wp-content/uploads/2018/02/2016-Under-21-Alcohol-Impaired-Driving-Fatalities-Per-100000-Population-by-State.pdf https://datausa.io/profile/geo/california/#category_transportation https://ucr.fbi.gov/crime-in-the-u.s/2016/crime-in-the-u.s.-2016/tables/table-6/table-6-state-cuts/louisiana.xls https://cdan.dot.gov/ https://datausa.io/profile/geo/louisiana/#category_transportation https://inrix.com/scorecard/

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State Minimum Car Insurance Rates Nationwide
Average Monthly Car Insurance Rates by State
Average Monthly Car Insurance Rates by Age & Gender in Louisiana
Monthly Louisiana Car Insurance Rates by ZIP Code
Louisiana Car Insurers by Market Share %
Louisiana Car Insurance Rates by Company vs. State Average
Factors Affecting Car Insurance Rates in Louisiana
State Minimum Car Insurance Rates Nationwide
Average Monthly Car Insurance Rates by State
Average Monthly Car Insurance Rates by Age & Gender in Louisiana
Monthly Louisiana Car Insurance Rates by ZIP Code
Louisiana Car Insurers by Market Share %
Louisiana Car Insurance Rates by Company vs. State Average
Factors Affecting Car Insurance Rates in Louisiana