Phone: 1-(855) 233-7818

Are you currently insured? Yes         No

Start Quote

Louisiana Car Insurance Minimum Requirements, Lapsed Coverage Fees, & Best Insurers by Rate, Age, & Coverage

Like many states in the country, Louisiana demands that each motorist carries an absolute minimum liability policy for their car to cover damages to the other person’s property and any hospital bills they suffer from the accident.

The minimum prerequisites for bodily injury liability and property damage liability in the state of Louisiana are 15,000/30,000/25,000.

Louisiana Minimum Car Insurance Requirements

CoverageLA Minimum Liability CoverageRecommended Auto Insurance Coverage
Bodily Injury Protection$15,000 / $30,000$15,000 / $30,000
Property Damage$25,000$25,000
Uninsured Motorist Coverage*Optional$10,000 / $20,000
Underinsured Motorist Coverage*(Optional)Combined with Uninsured Motorist
Medical PaymentsOptional$5,000 limit
Comprehensive CoverageOptional$500 deductible
Collision CoverageOptional$500 deductible

*Coverages can be rejected.

Bodily Injury Liability

In the event the insured party is held answerable for the accident, bodily injury liability covers the hospital charges for passengers in the other automobile. If the minimum coverage is purchased the insurance firm will pay $15,000 for a single person up to $30,000 for all passengers concerned in the accident.

Property Damage Liability

This sort of insurance covers damages to the other person’s automobile as well as public or private property which might have been concerned in the accident. Under minimum coverage the insurer will pay up to $25,000 to cover losses sustained in the accident.

Average Rate in Louisiana by Age

RankLA Auto Insurance CompanyAverage Annual Rate for 25 Y/O DriverAverage Annual Rate for 30 Y/O DriverAverage Annual Rate for 35 Y/O DriverAverage Annual Rate for 40 Y/O DriverAverage Annual Rate for 45 Y/O DriverAverage Annual Rate for 55 Y/O Driver
1Southern Farm Bureau$2,554$1,844$1,576$1,187$899$711
2Progressive$2,667$1,890$1,587$1,190$943$765
3GEICO$2,689$1,955$1,687$1,244$986$854
4State Auto$2,705$1,958$1,688$1,376$990$876
5State Farm$2,744$1,998$1,721$1,299$1,054$860
6Allstate$2,805$2,076$1,744$1,387$1,098$923
7MetLife$2,846$2,088$1,766$1,453$1,076$879
8Travelers$2,919$2,243$1,789$1,532$1,143$987
9Nationwide$3,033$2,280$1,800$1,476$1,158$990
10Encompass$3,076$2,347$1,832$1,487$1,165$954
11Liberty Mutual$3,132$2,476$1,845$1,432$1,230$943

Lapse of Insurance & Reinstatement Fees

If you have a lapse in your insurance in the state of Louisiana then you may be required to pay the following fees to reinstate your license:

  • 1 to 10 days uninsured – fee: $0

  • 11 to 20 days uninsured – fee: $50.00

  • 31 – 90 days uninsured – fee: $125.00

  • Over 90 days uninsured – fee: $225.00

Filing of “Non-Use” to OMV

An important thing to realize in the State of Louisiana is if you are not going to be using your vehicle you cannot simply let your insurance lapse.

You are required to file a statement of “non-use” to the office of motor vehicles (OMV) and you have to submit it ten days before the insurance lapses. The other option is to bring your license plate to OMV and you will not incur any fees to reinstate your license.

Tort Law Claims in the State

Also, Louisiana is following tort law with respect to car insurance and people who are hurt in an auto accident which was not their fault have rights to bring the at-fault driver to court.

Louisiana has mandated drivers have at least liability coverage to mitigate the amounts of lawsuits and/or court claims.

Reporting System in Use for Uninsured Drivers

Another important fact, the state is using a reporting system with the insurers and brokers to track down those that are uninsured which has been effective in Bossier City, Crowley, and Morgan City. 

Even if you are not driving your vehicle, you could receive a letter in the mail stating you are uninsured then the applicable fees above will apply if you want to reinstate your policy.

Best Insurer by Rate Change, Complaints, & Consumer Rating

LA CompanyPremiumsRate Change > 18 Months# of ComplaintsConsumer Rating out of 5 Stars
Safeco$55,881,479+2.7%23.9
MetLife$65,688,047+2.7%74.0
Nationwide$83,314,800+2.6%34.2
Liberty Mutual$65,319,534+2.2%04.4
Safeway$41,883,591+2.8%23.8
Louisiana Farm Bureau$104,923,744 +2.8%23.8
State Farm$771,483,303 +3.5%184.4
USAA$95,458,451+2.8%64.5
American Family$89,761,971+2.8%74.2
Progressive$267,698,586+2.4%94.4
Affirmative$75,854,328+2.9%213.9
Allstate$222,963,723 +3.4%64.4
Farmers$87,959,120+2.7%24.3
GEICO$175,118,333 +3.1%54.5
Encompass$95,678,893+3.1%73.8

Comprehensive & Collision Coverage Options

It is recommended in the state to carry comprehensive and collision cover because of the location, particularly in larger cities such as New Orleans, La Place, and Metairie. The state is know for hurricanes and heavy rains which may damage your vehicle and “non-collision” or comprehensive will cover the damages.

If you have an unforeseen accident with another vehicle, then collision cover is going to cover the damages until the insurer will determine who is at-fault.

Average Rate by City in Louisiana

CityAverage RatePopulationCityAverage RatePopulationCityAverage RatePopulation
Alexandria$1,98747,832Hammond$2,48720,609New Orleans$3,234391,495
Baton Rouge$2,754227,715Houma$1,74334,024Opelousas$1,84916,541
Baker$1,90313,628Kenner$2,68967,089Pineville$1,94614,480
Bastrop$2,13510,578Lafayette$2,519127,626Ruston$2,07622,370
Bossier City$1,90368,485Mandeville$1,94012,424Shreveport$2,008194,920
Central$1,87528,529Minden$1,83212,577Sulphur$1,75520,272
Crowley$1,87713,060Monroe$2,04349,297Thibodaux$1,95014,610
DeRidder$2,05411,048Natchitoches$1,79818,319West Monroe$1,95512,922
Gretna$1,69817,897New Iberia$,185430,386Zachary$1,72216,760

New Orleans, LA

New Orleans CompanyAverage Annual Rate for 30 Y/O DriverAverage Annual Rate for 45 Y/O Driver
Southern Farm Bureau$2,411$1,799
Progressive$2,489$1,854
GEICO$2,587$1,903
State Auto$2,766$1,965
State Farm$2,900$2,065
Allstate$3,087$2,122
MetLife$3,433$2,290

Baton Rouge, LA

Baton Rouge CompanyAverage Annual Rate for 30 Y/O DriverAverage Annual Rate for 45 Y/O Driver
Southern Farm Bureau$2,121$1,432
Progressive$2,189$1,531
GEICO$2,321$1,589
State Farm$2,450$1,620
MetLife$2,563$1,644
State Auto$2,589$1,722
Allstate$2,621$2,021

Shreveport, LA

Shreveport CompanyAverage Annual Rate for 30 Y/O DriverAverage Annual Rate for 45 Y/O Driver
Progressive$1,621$1,044
Southern Farm Bureau$1,689$1,098
GEICO$1,755$1,127
MetLife$1,780$1,244
State Farm$1,843$1,287
State Auto$1,890$1,300
Allstate$2,043$1,455

Lafayette, LA

Lafayette CompanyAverage Annual Rate for 30 Y/O DriverAverage Annual Rate for 45 Y/O Driver
Southern Farm Bureau$1,867$1,190
Progressive$1,943$1,267
GEICO$2,033$1,290
State Auto$2,095$1,377
MetLife$2,176$1,476
Allstate$2,311$1,598
State Farm$2,476$1,754

Lake Charles, LA

Lake Charles CompanyAverage Annual Rate for 30 Y/O DriverAverage Annual Rate for 45 Y/O Driver
Progressive$1,820$1,211
Southern Farm Bureau$1,880$1,354
GEICO$1,976$1,432
State Auto$2,069$1,544
State Farm$2,132$1,587
MetLife$2,342$1,648
Allstate$2,476$1,865

Bossier City, LA

Bossier City CompanyAverage Annual Rate for 30 Y/O DriverAverage Annual Rate for 45 Y/O Driver
Progressive$1,487$985
Southern Farm Bureau$1,547$1,047
GEICO$1,643$1,085
State Auto$1,689$1,143
MetLife$1,768$1,186
State Farm$1,798$1,246
Allstate$1,860$1,296

Hammond, LA

Hammond CompanyAverage Annual Rate for 30 Y/O DriverAverage Annual Rate for 45 Y/O Driver
Southern Farm Bureau$1,876$1,133
Progressive$1,976$1,174
GEICO$2,078$1,263
State Auto$2,187$1,389
MetLife$2,277$1,508
State Farm$2,476$1,621
Allstate$2,698$1,897

Resources & Office of Motor Vehicles Information

Department of InsuranceDepartment of TransportationOffice of Motor Vehicles
1702 N 3rd St, Baton Rouge, LA 70802
(225) 342-5900
1201 Capitol Access Rd, Baton Rouge, LA 70802
(877) 452-3683
3241 NW Evangeline Throughway, Lafayette, LA 70507
(337) 896-8121
WebsiteWebsiteWebsite

Final Thoughts

If you are paying higher than the state average for car insurance then you can use the comparison system to compare rates of insurers in your area. It takes only a couple of minutes and you could find a rate that may save hundreds of dollars.

Sources

https://www.usa.gov

https://www.ldi.la.gov/docs

http://www.ldi.la.gov/consumers

https://www.farmers.com/louisiana/

https://www.lafarmbureau.com

https://www.geico.com/

Greg Fowler
I love to network, travel, and spend time with my children. When I am not doing that I am working on AutoInsureSavings or other websites. If I am working, the best way to reach me is via my Google+ Profile.

Comments are closed.

Connect With Us