Louisiana car insurance

Louisiana is in the Guinness Book of World Records for having the longest bridge over water, the Lake Pontchartrain Causeway. Before you drive this 23-mile bridge or any street in the Pelican State, make sure you're carrying auto insurance. Learn more about car insurance in Louisiana, including state requirements, optional coverages, available discounts from Progressive — and all that jazz.

3 min to read

Does Louisiana require car insurance?

Motorists in Louisiana are required to carry car insurance coverage. Louisiana's minimum liability coverage limits consist of:

  • $15,000 in bodily injury per person
  • $30,000 in total bodily injury per accident
  • $25,000 in property damage per accident

These figures represent Louisiana's minimum auto insurance coverages needed, but if you want additional auto liability coverage, you can increase your limits to better protect your assets.

Comprehensive and collision coverage protect your vehicle

If you're leasing or financing your vehicle, your lender typically requires comprehensive and collision coverage. But even if you own your car outright, consider adding these important coverages in case your vehicle is stolen or damaged.

With Progressive's Name Your Price® Tool, you tell us how much you want to pay — and we'll give you options that work for you. See more on our Name Your Price tool.

How much is car insurance in Louisiana?

In 2020-2021, the average cost of a liability-only auto policy (single driver/single car) from Progressive in the Pelican State was $142 per month.* Rates vary based on a number of factors, such as your driving history, ZIP code, and coverage selections.

Are there any discounts that can lower the cost of my car insurance?

Progressive offers a variety of discounts to help you get cheaper auto insurance in Louisiana:

  • Anti-theft device
  • Multi-car
  • Five-year accident-free
  • Online quote
  • Continuous insurance
  • Three-year safe driving
  • Paperless

When you bundle auto and homeowners insurance in Louisiana, you can rest assured your valuables will be protected — and you'll save money, too. Other ways to earn a multi-policy discount include bundling auto and renters insurance or a combination of two or more policies with Progressive.

See all auto insurance discounts.

Pro tip:

Ready to switch things up? Drivers nationwide who switch and save with Progressive save nearly $750 on average.** Get a car insurance quote today.

Facts about auto insurance in Louisiana

  1. 12% of Louisiana drivers are uninsured, according to a 2019 study. Uninsured/underinsured bodily injury and property damage coverage can help protect you against drivers with no insurance.

  2. If you need an SR-22, Louisiana law mandates that you carry one for three years. After that period, if you've had no lapse in coverage, the SR-22 can be dropped.

How to get car insurance in Louisiana

Go online

We ask easy questions, and you customize your coverages.

Quote auto insurance

Call a rep

Talk with a licensed representative who can guide you through the process.

Call 1-866-749-7436

Through an agent

Connect with an independent agent in your area.

Find an agent in Louisiana

Quote car insurance online or give us a call

Learn more about car insurance policies.

Please note: The above is meant as general information to help you understand the different aspects of insurance. Read our editorial standards for Answers content. This information is not an insurance policy, does not refer to any specific insurance policy, and does not modify any provisions, limitations, or exclusions expressly stated in any insurance policy. Descriptions of all coverages and other features are necessarily brief; in order to fully understand the coverages and other features of a specific insurance policy, we encourage you to read the applicable policy and/or speak to an insurance representative. Coverages and other features vary between insurers, vary by state, and are not available in all states. Whether an accident or other loss is covered is subject to the terms and conditions of the actual insurance policy or policies involved in the claim. References to average or typical premiums, amounts of losses, deductibles, costs of coverages/repair, etc., are illustrative and may not apply to your situation. We are not responsible for the content of any third-party sites linked from this page.