Cheap Car Insurance in Louisiana
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Louisiana Car Insurance Minimums
Louisiana requires all drivers to carry minimum liability insurance. Here are the state-mandated minimums:
Bodily Injury (per person)
$15,000
Bodily Injury (per accident)
$30,000
Property Damage
$25,000
At-fault (tort) state.
Source: La. R.S. 32:900; La. R.S. 22:1295, verified 2026-09-01.
What drives car insurance rates in Louisiana
Average spend per insured vehicle, 2023
$1,754
Louisiana drivers spent $1,754 per insured vehicle on liability, collision and comprehensive in 2023, against $1,282 nationally.
Claims paid per premium dollar, 2023
66.3¢
Auto insurers in Louisiana paid 66.3 cents in claims for every premium dollar in 2023; the median state was 72 cents.
Traffic deaths per 100 million miles, 2024
1.36
Louisiana recorded 752 traffic deaths in 2024, 1.36 per 100 million vehicle miles against 1.19 nationally. Injury claims follow crash severity.
Vehicle thefts per 100,000 residents, 2025
181.6
Louisiana reported 8,388 motor vehicle thefts in 2025, 181.6 per 100,000 residents, from 254.8 the year before. Theft claims are paid under comprehensive coverage.
Natural-hazard loss rank
#11
FEMA ranks Louisiana #11 of 51 for expected annual loss from natural hazards; hurricane accounts for 46% of that loss, and comprehensive coverage is what pays for hurricane wind and flooding.
- Average spend per insured vehicle, 2023: NAIC Auto Insurance Database Report, 2023 data
- Claims paid per premium dollar, 2023: NAIC Profitability by Line by State, 2023
- Traffic deaths per 100 million miles, 2024: NHTSA Fatality Analysis Reporting System, 2024
- Vehicle thefts per 100,000 residents, 2025: FBI Crime in the United States, 2025
- Natural-hazard loss rank: FEMA National Risk Index
Largest auto insurers in Louisiana
The ten insurer groups that wrote the most auto premium in Louisiana in 2025, with their share of the state total of $5.8 billion.
| # | Insurer group | Market share | Premiums written |
|---|---|---|---|
| 1 | State Farm Group | 29.15% | $1.7 billion |
| 2 | Progressive Group | 25.39% | $1.5 billion |
| 3 | Allstate Insurance Group | 13.6% | $795 million |
| 4 | Berkshire Hathaway Group | 9.27% | $542 million |
| 5 | United Services Automobile Association Group | 6.22% | $364 million |
| 6 | Southern Farm Bureau Casualty Group | 5.24% | $306 million |
| 7 | Goauto Group | 3.09% | $180 million |
| 8 | Shelter Insurance Group | 1.46% | $85 million |
| 9 | Orpheus Group | 1.26% | $73 million |
| 10 | Liberty Mutual Group | 1.13% | $66 million |
Source: NAIC Market Share Reports, 2025 data, direct premiums written by insurer group. GEICO writes inside Berkshire Hathaway Group. Ranking is market commentary; it says nothing about which carriers a quote comparison includes.
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