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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.

Louisiana cheapest premium choices for a 25 year old.

Note: The average premium for a 25 y/o in Louisiana is over $3,000 per year. The least expensive illustrated is Southern Farm Bureau at $2,554 for full coverage. For more details please see rate table below.

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.

Lowest premium options by carrier for a 30 year old.

Note: The lowest carriers we queried are Southern Farm Bureau, Progressive, and GEICO for a 30 year old. All three carriers are 18% lower than the average premium.

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

Least expensive premium prices for a 35 year old.

Note: As illustrated, a 35 y/o driver can find cheaper premiums with Southern Farm Bureau and Progressive. Both are under $1,600 per year for full coverage.

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

LA lowest premium options for a 40 year old.

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.

Comparing cheap auto premiums for a 45 year old.

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.

Showing affordable premium choices for a 55 y/o driver.

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, LA lowest premium choices for a 30 and 45 y/o

New Orleans is the largest city in the state with 400,000 residents. The city was founded in 1718 and named for the regent of France, Philippe II, duc d’Orleans.

Eventually is was sold to the US by France as part of the Louisiana Purchase of 1803. Today, the blending of French, Spanish and African influences created the Creole society and cuisine for which New Orleans is famous.

Cool Facts about New Orleans

  • Has the highest number of historic districts in the U.S.

  • Has the largest enclosed arena in the world – the SuperDome.

  • Jazz was born in the city.

  • The first opera in the United States of America was performed in the 1790s in New Orleans.

  • Tombs are above ground given the high water table in the area.

Auto premiums are extremely high in New Orleans. To find quotes with 30% in savings start with Southern Farm Bureau, Progressive, and GEICO. Each at $2,411, $2,489, and $2,587 for a 30 year old driver with full coverage. All three carriers are 30% cheaper than the city “mean” rate of $3,234.

For a 45 year old driver the lowest quotes are from the same carriers. Southern Farm Bureau ($1,799), Progressive ($1,854), and GEICO ($1,903) which all are 45% lower than the citywide average. State Auto and State Farm are approximately $200 more expensive. A driver looking for savings should get quotes from all carriers illustrated.

Out of the 7 carriers queried the most expensive is MetLife at $3,433 for a 30 year old and $2,290 for a 45 year old driver. About 3% higher than the “mean” rate.

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 affordable car premium options for a 30 and 45 y/o.

Baton Rouge is the second largest city in the state with nearly 230,000 residents. The city’s name is French for “Red Stick,” and is most likely derived from the writings of early French explorers. 

The city is alive with a large variety of activities that make it an ideal place for tourists to visit. Riverfront casinos, Cajun-Creole restaurants, and lively nightclubs combine with old plantation homes, historic governmental buildings, museums, and performing arts centers to give a visitor a wide choice of attractions to relish.

Some other notable attractions include, the Greater Baton Rouge Zoo, Shaw Center for the Arts, U.S.S. Kidd and Nautical Center, and the Old State Capitol Center for Political and Governmental History.

To find inexpensive quotes start with Southern Farm Bureau which we queried at $2,121 for a 30 year old driver. Which is 29% lower than the “mean” rate of $2,754. Progressive is only $68 more at $2,189 or 28% lower than the citywide average rate. We queried GEICO approximately 24% lower than the average rate at $2,321.

For a 45 year old driver the cheapest quotes are with Southern Farmer Bureau, Progressive, and GEICO. Each at $1,432, $1,531, and $1,589 for full coverage and 43% lower than the “mean” rate.

Out of the 7 insurers queried the most expensive is Allstate at $2,621 for a 30 year old and $2,021 for a 45 year old. Or at least 4% lower than the average premium within Baton Rouge.

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 cheap premium choices for a 30 and 45 year old.

With 200,000 residents, Shreveport was founded in 1836 by the Shreve Town Company. The city is also renowned for its historic landmarks. One such is The McNeill Street Pumping Station a waterworks dating back to 1887 which is still operational today. 

A more recent tourist attraction is Bossier City’s expansive Louisiana Boardwalk, a huge shopping and entertainment complex. Other notable attractions include, the Ark-La-Tex Antique and Classic Vehicle Museum, Shreveport Metropolitan Ballet, Red River Crossroads Museum, and the Stephens African American Museum.

The average rate in Shreveport is over $2,000 per year. We found 5 carriers which are 10% to 18% lower than the “mean” rate. The lowest is Progressive at $1,621 with full coverage for a 30 year old. Which is about 18% lower than the citywide “mean” quote. Southern Farm Bureau and GEICO should be on your list to get quotes from since both carriers are at least 10% lower than the “mean” premium rate.

For a 45 year old driver we found the least expensive with Progressive at $1,044 for full coverage. Followed by Southern Farm Bureau at $1,098, then GEICO at $1,127. Progressive is 48% lower than the “mean” quote while Southern Farm Bureau and GEICO are each 46% and 40% lower respectfully.

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, LA lowest premium prices for a 30 and 45 year old.

Lafayette is the 4th largest city in the state with 128,000 residents. The region has long and colorful history going back to 1541. Attracted by outdoor enthusiasts, “Sportmans Paradise” has bayous and swamps which are great places for canoe rides and the fishing.

Tourist from all over the world are attracted to the wonderful Cajun food of this region. The city has a thriving arts community, consisting of theater, visual arts, and music. Cajun music is a combination of bluegrass and French with a little European folk thrown in.

Drivers can get lower than average premiums in Lafayette by getting quotes from Southern Farm Bureau, Progressive, and GEICO. Each at $1,867, $1,943, $2,033 respectfully for a 30 year old driver. All of three carriers are 22% lower than the “mean” rate of $2,519.

For a 45 year old driver the cheapest premiums are with Southern Farm Bureau, Progressive, and GEICO. Each at $1,190, $1,267, and $1,290 for full coverage. All three are at least 48% lower than the citywide average premium.

Out of the 7 carriers we queried the most expensive is State Farm at $2,476 for a 30 year old and $1,754 for a 45 year old. About 1% and 22% lower than the “mean” rate of Lafayette.

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, LA affordable premium prices for a 30 and 45 year old.

Lake Charles is known as “The festival capital of Louisiana” due to hosting more that one hundred festivals and carnivals. Tourists from all over the world are attracted to the gambling, rhythm and blues music and excellent cuisine the city has to offer.

Other attractions include, the Imperial Calcasieu Museum, Children’s Museum of Lake Charles, Mardi Gras Museum, Lake Charles Symphony Orchestra, Historic City Hall, and Bord du Lac Park.

If you want to find savings on your auto premium then get quotes from Progressive, Southern Farm Bureau, and GEICO. Each at $1,820, $1,880, and $1,976 with full coverage for a 30 year old. Which is 24% lower than the “mean” rate of $2,400 per year. State Auto is $200 more than the cheapest carrier queried at $2,069.

For a 45 year old driver the lowest premium is Progressive at $1,211 for full coverage. Which is nearly 50% cheaper than the citywide average premium. Southern Farm Bureau is over $140 more at $1,354. GEICO is $200 more than Progressive at $1,432.

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 cheapest premium options for a 30 & 45 year old.

Bossier City is within the metropolitan area of Shreveport with 70,000 residents. Originally known as Bennett’s Bluff it was renamed Bossier City after incorporation as a city. The Shreveport – Bossier City metropolitan area is the center of the region known as the Ark-La-Tex.

Notable attractions include, Cashpoint Plantation House, Jefferson Railway Depot, Mansfield State Historic Site, Sci – Port Discovery Center, and the Starr Family Home State Historic Site.

If you want a lower premium then get quotes from Progressive, Southern Farm Bureau, and GEICO. Each at $1,487, $1,547, and $1,643 per year for a 30 year old driver. All three carriers are 21% lower than the citywide “mean” premium of $1,903.

A 45 year old driver can find cheap quotes with the same three carriers. Progressive is the lowest at $985 for full coverage or 46% lower than the average premium. Southern Farm Bureau we queried at $1,547 or 42% lower, while GEICO is $1,643 or 36% lower than the citywide premium price.

Out of the 7 carriers we queried the most expensive is Allstate at $1,860 for a 30 year old and $1,296 for a 45 year old. Each 7% and 16% lower than the “mean” rate in Bossier City.

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, LA inexpensive premium choices for a 30 and 45 year old driver.

Hammond is small community town with 20,000 residents. Known as the “Strawberry Capital” for being a major shipping point of strawberries.

The city is named after Swedish immigrant called Peter Hammond who settled the area in 1818. Notable attractions in Hammond are the Hammond Historic District and the Lake Pontchartrain Basin Maritime Museum.

To get a lower monthly premium in Hammond start by getting quotes from Southern Farm Bureau, and Progressive, and GEICO. Each at $1,876, $1,976, and $2,078 respectfully for a 30 year old. With all three carriers you can find savings over $400 per year compared with the citywide “mean” rate of $2,487.

A 45 year old can find cheap quotes with Southern Farm Bureau at $1,133 or 50% lower than the average premium. Progressive is $40 higher at $1,174 while GEICO is $130 higher than the lowest carrier at $1,263. Progressive and GEICO are 45% lower than the average premium in Hammond.

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.

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