How Car Insurance Costs Compare in Louisiana

In this study we took a look at how car insurance costs fluctuate across Louisiana. We found the average cost of car insurance for a single 30-year-old-male driver living in the Bayou State was $2,283. That makes this state one of the most expensive in the nation. Fortunately, depending on where you live in Louisiana, that rate can vary tremendously. During the course of our examination, we saw rates vary from $3,110, in cities like New Orleans, down to $1,796 in places like Minden.

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The Most Expensive Cities in Louisiana

  • New Orleans

    $3,110 per year

    27% higher than state average

  • Harvey

    $2,918 per year

    22% higher than state average

  • Marrero

    $2,867 per year

    20% higher than state average

  • Gretna

    $2,851 per year

    20% higher than state average

  • Westwego

    $2,804 per year

    19% higher than state average

A state's largest city usually has the highest rates, so it isn't surprising to find New Orleans at the top of the list. As well as having a high population density, New Orleans is also the site of a high percentage of fatal car accidents that occur along I-10. A higher incidence of accidents typically correlates with high insurance premiums. The next most expensive cities all come from areas outside of New Orleans, in Jefferson County.

The Least Expensive Cities in Louisiana

  • Minden

    $1,796 per year

    27% lower than state average

  • Bossier City

    $1,813 per year

    26% lower than state average

  • Shreveport

    $1,859 per year

    23% lower than state average

  • Haughton

    $1,864 per year

    22% lower than state average

  • Natchitoches

    $1,917 per year

    19% lower than state average

A Map of Louisiana Car Insurance

The map above shows how each Louisiana city ranked in our study of car insurance rates. The larger the dot, the more expensive the car insurance. We found that the larger prices tend to cluster around New Orleans and Baton Rouge, while insurance in the northwestern part of the state, up by Shreveport, tended to be more affordable. The car insurance prices get progressively get smaller as one makes their way up north in Louisiana.

A List of All Cities We Examined in Louisiana

RankCityYearly RateDifference From State Average
1New Orleans$3,11027%
2Harvey$2,91822%
3Marrero$2,86720%
4Gretna$2,85120%
5Westwego$2,80419%
6Metairie$2,69115%
7Kenner$2,64514%
8Baton Rouge$2,4657%
9Denham Springs$2,4567%
10Walker$2,4105%
11Baker$2,3945%
12Zachary$2,3844%
13Prairieville$2,3533%
14Lafayette$2,3272%
15Breaux Bridge$2,3161%
16Saint Martinville$2,3071%
17Gonzales$2,2981%
18Hammond$2,2920%
19Ponchatoula$2,2840%
20Alexandria$2,2720%
21Lake Charles$2,2720%
22Youngsville$2,269-1%
23Slidell$2,250-1%
24Opelousas$2,245-2%
25La Place$2,225-3%
26Abbeville$2,215-3%
27Pineville$2,210-3%
28New Iberia$2,193-4%
29Monroe$2,183-5%
30Sulphur$2,173-5%
31Houma$2,167-5%
32Thibodaux$2,156-6%
33West Monroe$2,149-6%
34Bastrop$2,101-9%
35Deridder$2,095-9%
36Mandeville$2,081-10%
37Covington$2,059-11%
38Morgan City$2,049-11%
39Leesville$2,042-12%
40Ruston$1,919-19%
41Natchitoches$1,917-19%
42Haughton$1,864-22%
43Shreveport$1,859-23%
44Bossier City$1,813-26%
45Minden$1,796-27%

Methodology

We collected quotes from a variety of insurance companies across 45 towns and cities in Louisiana. Our sample driver was a 30-year-old male who drove a 2011 Toyota Camry. To obtain quotes, we kept parameters for getting coverage the same, such as that he was single, had a good credit score and a clean driving record. The only parameter that changed was the zip code where the driver lived in Louisiana. The amount of coverage we opted for gave our driver bit more than what is required by state law.

Coverage TypeLouisiana MinimumStudy Limits
Body Liability$15,000 per person/ $30,000 per Accident$50,000 per person/ $100,000 Per Accident
Property Damage$25,000 Per Accident$50,000 Per Accident
Uninsured/Underinsured Motorist BI$15,000 per Person/ $30,000 per Accident$50,000 Per Person/ $100,000 Per Accident
Medical Payments$1,000$1,000
Comprehensive and CollisionNone$500 Deductible

Comments and Questions

Editorial Note: The editorial content on this page is not provided or commissioned by any financial institution. Any opinions, analyses, reviews, statements or recommendations expressed in this article are those of the author’s alone, and may not have been reviewed, approved or otherwise endorsed by any of these entities prior to publication.