Average Car Insurance Cost in Louisiana (2025)
Louisiana drivers typically pay higher-than-average auto premiums due to higher accident and litigation rates. Below are benchmark monthly ranges for full coverage and minimum coverage in major cities. Use these as a starting point before you run your own ZIP-based estimate.
| City | ZIP (center) | Minimum Coverage (est.) | Full Coverage (est.) |
|---|---|---|---|
| New Orleans | 70112 | $120–$180 | $230–$350 |
| Baton Rouge | 70802 | $110–$170 | $210–$310 |
| Shreveport | 71101 | $95–$145 | $180–$260 |
| Lafayette | 70501 | $90–$135 | $170–$240 |
| Monroe | 71201 | $85–$125 | $160–$230 |
Next step: Try the Auto by ZIP calculator or view our Louisiana hub for localized guidance.
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Start Free Quotes →Disclaimer: Benchmarks below are estimates meant for education only and are not quotes. Actual premiums vary by insurer underwriting, coverage, driver, and location. This article may contain affiliate links; we may earn a commission at no extra cost to you.