McKayla Girardin, Car Insurance Writer
@mckayla_girardin
Full coverage insurance in Louisiana costs $319 per month, or $3,824 per year, on average. This is more expensive than the national average cost of full coverage, which is $2,117 per year.
Cheapest Full Coverage Car Insurance in Louisiana
| Company | Average Yearly Cost | Average Monthly Cost |
| $1,897 per year | $158 per month | |
| $2,253 per year | $188 per month | |
| $2,354 per year | $196 per month | |
| $3,213 per year | $268 per month | |
| $3,257 per year | $271 per month |
Note: Premiums are average rates for a good driver in Louisiana; individual premiums will vary.
A full coverage policy usually includes collision and comprehensive insurance, plus the types of coverage required by Louisiana law. In Louisiana, liability insurance is mandatory for all drivers.
How to Get Cheaper Full Coverage Insurance in Louisiana
- Compare quotes from at least three different companies to make sure you're getting the best deal.
- Increase your deductible. Higher deductibles lead to lower premiums, but remember to only pick a deductible you'd be able to afford in an emergency.
- Make sure you're getting all the discounts you can qualify for.
- Sign up for usage-based insurance. Some insurance companies use either a plug-in device or a smartphone app to track you driving and will give you a discount for driving safely.
To learn more, check out WalletHub's guides to full coverage car insurance and the cheapest car insurance in Louisiana.
People also ask
How much is car insurance in Louisiana per month?
Car insurance in Louisiana costs $98 per month or $1,175 per year for minimum coverage, on average. The cheapest car insurance companies in Louisiana are Southern Farm Bureau, USAA, and GEICO, and getting quotes from several companies can help you find the best deal.
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Full coverage insurance costs $1,997 per year or $166 per month, on average. Full coverage car insurance is more expensive than the legal minimum auto insurance coverage because full coverage usually includes collision and comprehensive insurance as well as the minimum coverage required by a state.
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Full coverage insurance in Louisiana is usually defined as a policy that provides more than the state’s minimum liability coverage, which is $15,000 in bodily injury coverage per person, up to $30,000 per accident, and $25,000 in property damage coverage. Full coverage in Louisiana also includes optional collision and comprehensive insurance. As a result, full coverage insurance costs an average of $3,824 per year in Louisiana, while a state minimum policy costs $1,175 per year.
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