Best Car Insurance in Louisiana for 2025 [Check Out the Top 10 Companies]

Farmers, Liberty Mutual, and Allstate offer the best car insurance in Louisiana, with coverage starting at $26 per month.

Farmers is best known for its comprehensive calamity coverage, such as roadside assistance. Liberty Mutual offers driver safety incentives of 10% off.

Allstate offers a plan for low-mileage drivers to save when they drive less. Additionally, these companies have a B to A++ from A.M. Best, which proves its strong financial stability.

Our Top 10 Company Picks: Best Car Insurance in Louisiana

This car insurance guide ensures that you get the best coverage for your needs while having a wide choice of providers. If you want to quickly check the best car insurance rates in Louisiana, just enter your ZIP code.

#1 – Farmers: Top Overall Pick

Pros

• Comprehensive Calamity Coverage:  Farmers insurance review provides offers like towing and roadside assistance to help Louisiana drivers against weather damage.
• Rideshare Insurance: A coverage intended for Uber and Lyft drivers in Louisiana that is usually not covered in car insurance policies.
• Strong Agent Network: The Farmers app can locate and direct you to local agents for support.

Cons 

• Limited Discounts: Though discounts are available, they are not as extensive as the discounts offered by competitors.
• Slower Processing Claims: Some Louisiana customers said delays in claims happen during weather events.

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#2 – Liberty Mutual: Best for Quick Claims

Pros

• Extensive Local Agent Support: Agents are present to offer customers in-person assistance and policy guidance.
• Drivewise Safety Incentives: This Liberty Mutual car insurance program uses a telematics program to track driving habits and offer 10% discounts.
• First-Accident Forgiveness: Initial at-fault accident rates remain unchanged after the first accident—no premium hikes.

Cons

• Rideshare Policy Gap: To completely guard against potential liabilities, additional endorsements might be necessary for Uber and Lyft drivers’ coverage.
• Varied Premiums in High-Claim Area: Louisiana policies are more expensive than those of other providers because of its insurance fraud concern and high accident rates.

#3 – Allstate: Best for Innovative Discount

Pros

• Superior Weather Protection: Allstate insurance review provides extensive add-ons to cover weather damage, such as roadside assistance and rental reimbursement.
• Unique Options: Offers a flexible plan for low-mileage drivers, which is beneficial to Louisiana’s residents who drive less to save up to 23%.
• New Car Replacement: This policy protects against depreciation losses in the event of an accident by paying the entire cost of replacing a new car that has been totaled.

Cons

• Coastal Areas Higher Rates: The increased risk of storm-related damage significantly affects the cost in regions like Baton Rouge and New Orleans.
• Claims Response Inconsistency: Policyholders have experienced claim delays due to high demand caused by major disasters.

#4 – Progressive: Best for Competitive Rates

Pros

• Snapshot Program: This program tracks drivers’ driving habits and offers up to $19 monthly off on safe driving behaviors, especially in high-traffic areas.
• Name Your Price Tool: Louisiana drivers can set their own prices, and the coverage is adjusted to fit their budget.
• Calamities Protection: Extensive coverage against frequent storms and flooding. Get more details in our Progressive car insurance review. 

Cons

• Limited Local Agent: Progressive relies more on digital service, which may not suit some who prefer in-person agents.
• Risky Drivers Higher Rates: Drivers with accidents, violations, and bad credit scores often get expensive premiums.

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#5 – Nationwide: Best for Broad Coverage

Pros

• Vanishing Deductibles: Maintaining a good driving record can reduce the deductibles up to $100 to $500 in a year.
• SmartRide Program: 10% discounts on new enrollees and 40% over time as long as safe driving habits are observed.
• On Your Side Review: This is a personalized insurance assessment where policyholders change coverage based on their needs.

Cons

• Strict Usage-Based Discount: The SmartRide Program requires app tracking, which might not appeal to privacy-conscious customers.
• Expensive Premiums: The premiums are above average compared to competitors like Allstate. Read the company’s comparison of car insurance.

#6 – Geico: Best for Affordable Premiums

Pros

• Competitive Low Rates: Geico had the most affordable auto insurance in Louisiana, at $38, and was even cheaper for good drivers, according to the Geico insurance review.
• Emergency Roadside Assistance: This company offers 24/7 lockout services, towing, and battery jump-starts, which are helpful for those in rural areas of Louisiana.
• Variety of Discounts: Discounts for federal employees up to 12%, 10% off for military personnel, and 10% to 25% off for multi-vehicle coverage.

Cons

• Slower Claims Procedure: Wait times are longer in processing claims during high-demand periods like flooding season.
• High Rates For High-Risk Drivers: Rates for those with traffic violations or accidents tend to be higher.

#7 – Travelers: Best for Flexible Discounts

Pros

• Premier Weather Protection: Extensive coverage for storm damage, flooding, and hurricanes, beneficial for Louisiane residents.
• IntelliDrive Program: Provides a 30% discount for safe driving habits as a reward.
• Wide Policy Customization: Drivers can have add-ons like gap insurance, new car replacement, and rideshare coverage.

Cons

• Strict IntelliDrive Fines: Risky drivers tracked by the IntelliDrive app impact the increase in premiums.
• Premium Variations: Premiums fluctuate based on credit score, driving history, and location.

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#8 – American Family: Best for Personalized Service

Pros

• Strong Bundling Choices: 13% savings when customers opt for bundle coverage for car insurance with home, renters, or life insurance policies.
• Generous Loyalty Discounts: Substantial savings for long-term customers over time; check these in the American Family review.
• KnowYourDrive Program: Safe driving habits make customers eligible for personalized discounts, which are ideal for varied road conditions in Louisiana.

Cons

• Not Customizable Coverage: It doesn’t specialize in tailored policies as it only has fewer add-on options.
• Digital Tools Gap: The online tools and mobile apps have limited features and are less advanced than competitors like State Farm.

#9 – State Farm: Best for Trusted Reputation

Pros

• Exceptional Local Agent Network: It provides real-time customer service and claims assistance because it has a solid presence in 40 cities in Louisiana.
• Multiple Discounts Opportunity: Savings for good driving records, bundling policies (17%), and young drivers completing safety driving courses.
• Drive Safe & Save Program: Customers who practice safe driving behaviors can take advantage of this discount. Get extra details on car insurance with telematics.

Cons

• No Gap Insurance: Unlike other providers, State Farm does not provide gap insurance for financed cars.
• Less Competitive Usage-Based Discount: The Drive Safe & Save discount is not as competitive as other programs in Progressive or Geico.

#10 – USAA: Best for Military Focus

Pros

• Exclusive Membership Perks: This program provides personalized policies for military members, veterans, and their families.
• Affordable Premiums: Consistent low premiums of $26 per month, especially for good drivers and on-duty militaries.
• High Customer Approval Rate: USAA is known for its good customer service and quick claims processing, and it has an A++ rate from AM Best.

Cons

• Restricted Eligibility: Non-military personnel cannot obtain the most affordable and maximum coverage. The USAA car insurance review provides a detailed discussion.
• Limited Physical Stores: Fewer local offices are available in Louisiana, which affects those who prefer in-person service.

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Car Insurance Monthly Cost in Louisiana

Your average car insurance cost in Louisiana may be cheaper than expected for additional coverage like comprehensive. Review rates for best car insurance by state map below.

Here is a comprehensive summary of providers’ coverage levels and rates to get you the whole picture.

Louisiana Car Insurance Monthly Rates by Provider and Coverage Level

The affordable Louisiana car insurance is spotted at the bottom, with minimum rates of $28 and a full coverage rate of $98. The most expensive is Liberty Mutual, with $73 minimum coverage and $274 full coverage quotes.

It’s important to have minimum liability coverage on your vehicle. It’s smarter to carry full coverage car insurance. In the case of an accident, you’ll be so thankful you’re not paying out of pocket to cover accident expenses.

Car Insurance Additional Liability Coverage in Louisiana

The additional coverage types listed below are optional coverage in the state of Louisiana. Although being uninsured is against the law, people still try to drive without car insurance.

Loss Ratios in Louisiana

If an uninsured driver causes an accident and you are involved in that accident, chances are, the uninsured driver is going to owe you money to cover the costs of property damages (and possibly medical bills). Because the uninsured driver is uninsured, they may go bankrupt while trying to pay for your damages.

If the ratio is too low (under 50 percent), the company probably overpriced its premiums or hasn’t received as many claims as it anticipated. However, if it is too high (over 100 percent), the company might pay too many claims. This means that car insurance rates will rise to make up for the unprofitable period.

Loss ratios calculate the proportion of premiums insurers pay in claims to show financial health. In 2023, vehicle liability decreased from 76% to 71%, while vehicle physical damage loss ratios improved from 79% to 63%. These decreases show improved insurer stability and claim handling.

Car Insurance Add-ons, Endorsements, and Riders

Insurance is a tricky subject. There are many policies to choose from. If you’re interested in learning more about add-ons, endorsements, and extra coverage, take a look at the list below. Click on each link to learn more.

• Gap insurance
• Umbrella
• Rental reimbursement
• Roadside assistance
• Mechanical breakdown insurance (MBI)
• Non-owner coverage
• Modified car insurance
• Classic car insurance

Add one, or add them all. The choice is up to you. Whatever fits your lifestyle and needs.

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Car Insurance Rates in Louisiana by Age & Gender

Did you know that gender, marital status, and age are some of the factors that affect your car insurance rate? Men usually pay more for car insurance than women do.

Check out the table below that specifies the rates of different providers based on gender and age.

Louisiana Car Insurance Monthly Rates by Provider, Age, & Gender

The younger you are, the more you will pay for car insurance. Usually, if you keep a clean record, your rate will decrease after you turn 25. Moreover, Geico and USAA are among the best car insurance for under-25 females, with lower costs than competitors.

Cheapest Car Insurance Rates by ZIP Code

The 71222 ZIP code refers to Louisiana and this has a lot to do with your car insurance rate.

We prepared a comprehensive table so you can check the cheapest car insurance in Louisiana  based on your ZIP code.

Cheapest Car Insurance Monthly Rates in Louisiana by ZIP Codes

Louisiana’s cheapest ZIP codes are spread out among a number of cities.

Most Expensive Car Insurance Monthly Rates in Louisiana by ZIP Codes

According to these lists, New Orleans has the most expensive car insurance rate in all of Louisiana, and this makes sense, considering it’s the largest city in Louisiana.

Cheapest Car Insurance Rates by City

Let’s get to know Louisiana’s cheapest car insurance rates by city. How much does your city cost?

Cheapest Car Insurance Monthly Rates in Louisiana by City

As you see, Hornbeck is one of the smallest cities in Louisiana, whereas New Orleans is the largest city in the state, which makes the rates seem reasonable.

Most Expensive Car Insurance Monthly Rates in Louisiana by City

Now that we’ve discussed what can affect your car insurance rate let’s move on to discuss car insurance company ratings.

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Best Car Insurance Financial Ratings in Louisiana

With literally hundreds of car insurance companies out there, it’s difficult to know which one to choose. No one has time to sift through websites and rating pages all day, so that’s exactly why we made this list an access point for some of Louisiana’s best car insurance companies.

Louisiana Car insurance Financial Rating by Provider

The table above shows the financial strength ratings for Louisiana’s top ten major insurance companies. AM Best ratings are another way we measure a company’s financial strength. Geico, Travelers, and USAA have the highest A++ ratings.

As you can see, all of the companies have an AM Best rating of or higher except for State Farm, which has a B rating. All of them have decent loss ratio percentages, above 50 percent and below 100 percent.

Of course, it is normal to doubt yourself when making big decisions like this, but with the aid of these ratings from the trusted AM Best, drivers and policyholders can validate the company’s trustworthiness when it is most needed.

Car Insurance Companies and its Ratings

In 2018, J.D. Power conducted an overall satisfaction survey and ranked car insurance companies based on five key factors: interaction, policy offerings, price, billing process, policy information, and accident claims.

The image compares Louisiana car insurance rates by company to the state average. USAA and State Farm offer significantly lower rates, at 31% and 25% below the state average. In contrast, Allstate and GEICO have slightly higher rates (5% and 7% above average), while Progressive is the most expensive at 24% above the state average

With the exception of USAA (a company that services military members and their families), Farm Bureau Insurance of Tennessee was ranked number one in overall customer satisfaction.

Below is a graph of the number of insurers available in Louisiana, both domestic and foreign.

Total Number of Licensed Insurers in Louisiana

Domestic insurance laws are formed under the laws of the state of Louisiana. Foreign insurance laws are formed under the laws of the U.S. or any state in the U.S.

A domestic insurance company in louisiana must meet the minimum liability standards known as the 15/30/25 policy.

Car Insurance Minimum Coverage in Louisiana

Let’s get back to the basics: What is minimum coverage? Louisiana has the most expensive car insurance, with a minimum cost of $110.

Louisiana’s minimum liability insurance requirements are:

• $15,000 for bodily injury liability or death of one person in an accident caused by the driver of the insured vehicle
• $30,000 for total bodily injury liability or death liability in an accident caused by the driver of the insured vehicle
• $25,000 for property damage per accident caused by the driver of the insured vehicle

Therefore, the state requires a minimum policy worth $70,000. However, insurance experts agree that policyholders should purchase more than the minimum requirements to protect themselves financially.

Every driver in Louisiana must have minimum liability insurance coverage for their vehicle. Drivers can absolutely have more insurance than the minimum requirements. In fact, this is highly recommended because if you cause an accident and the damages surpass the insurance amount, you’ll need to pay out of pocket.

Minimum liability car insurance is there to act as a safety net — you probably won’t die if you fall into it, but you’re going to have injuries. In the same way, minimum car insurance isn’t going to protect you from every possible cost out there.

Read more: How much insurance do I need for my car?

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Car Insurance Form of Financial Responsibility

This is just a really fancy term for “proof of insurance.” Have you ever heard those words spoken by a police officer before? Louisiana law states that any time you are asked by a law enforcement officer to hand over your proof of insurance, you must comply.

Acceptable forms of proof of insurance are:

• Valid liability insurance ID cards
• Copy of your current car’s insurance policy
• Valid insurance binder (a temporary form of car insurance)
• Electronic insurance card

If you drive without proof of insurance, you are breaking the law.

According to the Louisiana Department of Insurance, driving without insurance—or being involved in a crash without insurance—can result in a fine of $500 to $1,000, plus the suspension of driving privileges, impoundment of a vehicle, revocation of registration, or cancellation of license plates.

Moreover, if you drive without insurance in Louisiana, the state’s “No Pay, No Play” law may also prohibit you from collecting certain amounts after a car accident, even if the other driver is at fault; specifically:

• the first $25,000 in property damages
• the first $15,000 in personal injuries

Thus, friendly advice: Don’t drive without proof of insurance, and definitely don’t drive without insurance.

Car Insurance Percentage of Income as Premiums

Louisiana’s annual per capita disposable income was $58,845 in 2023. This is the average amount of money made by Louisiana residents.

Louisiana drivers paid an average of $2,883 for one year of car insurance, which is $240 monthly. This means drivers paid 5< percent of their total income directly to their car insurance company.

When we look at surrounding states like Texas, Arkansas, and Mississippi, Louisiana still has the highest cost for car insurance, but these state rates are close behind.

From 2022, Louisiana’s average car insurance rate has increased by about $30. However, we have prepared ways to make you save a dollar or more. Check out these car insurance discounts in Louisiana.

Car Insurance Discounts From Top Louisiana Providers

The most known way for you to save is to avail yourself of the multi-policy discount, which allows you to bundle your insurance from car to home or life insurance. Of course, if this doesn’t seem to be of your liking, there is a long list of discounts you can explore. Explore more ways to lower your car insurance cost.

Cheapest Car Insurance Companies in Louisiana

The average cost for full coverage car insurance in Louisiana is $227 per month. These drivers pay more for car insurance than other states in the US.

Louisiana Car Insurance Monthly Rates by Top Provider vs. U.S. Average

According to the list, USAA and State Farm Mutual are the affordable car insurance in Louisiana, with -25% and -31% rates compared to the state.

Discover more about the cheapest company in 2025.

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Coverage Level Rates in Louisiana by Company

If you choose to carry more coverage than the minimum required, sometimes car insurance companies will lower your rate.

Louisiana Car Insurance Monthly Rates by Coverage Level

A few dollars difference in coverage rates can make a big difference in times of need. Check the affordable insurance in Louisiana for the most valuable options.

Credit History Rates in Louisiana by Company

Credit can also affect your car insurance rate. If you have poor credit, you will most likely pay hundreds to thousands of dollars more a year for your car insurance policy.

Louisiana Car Insurance Monthly Rates by Credit Score

Credit is indeed a strong factor in determining your car insurance rates. However, USAA and State Farm are the best car insurance for bad credit as they have lower costs than competitors. Of course, go for USAA if you fall under the exclusive policy. Moreover, having a poor credit history in Allstate can raise your rate by about three thousand dollars.

According to Experian, Louisiana has one of the lowest credit scores in the US. The average credit score in the U.S. in 2023 was 715. And Louisiana’s average credit score was 677. This puts Louisiana at 49th on the list of states with the lowest credit scores.

Read more: The factors that affect the car insurance rates

Commute Rates in Louisiana by Companies

Did you know how far you drive daily can affect your car insurance rate? Car insurance companies know that the more you drive, the more likely you will get into an accident.

Bad credit raises Louisiana car insurance rates by 37%, followed by DUIs (31%) and accidents (29%). High coverage (26%) and speeding tickets (15%) also increase costs, while commute distance has the least impact (3%).

Louisiana Car Insurance Monthly Rates by Provider & Annual Mileage

Most of these companies have pretty reasonable rates based on miles. If you drive a little farther each day, the rates are only a couple of hundred dollars more a year.

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Driving Record Rates in Louisiana by Company

This might be the number one factor car insurance companies care about. Your record reflects your behavior, and car insurance companies want to know if you are a safe or reckless driver.

Louisiana Car Insurance Monthly Rates by Driving Record

If you get just one speeding violation, your rates will likely increase by up to $1000 or more. Drinking and driving is against the law, but if you violate this law, be prepared to take a major hit on your car insurance rate.

Read more: Your Guide to your best car insurance.

Car Insurance Companies in Louisiana with Most Complaints

The data about company complaints below is from the NAIC.

Louisiana Car Insurance Complaint Ratios by Providers

Every company gets complaints—it’s inevitable. According to the survey, State Farm had the most complaints listed in 2023. However, what really matters is how a company handles a complaint; it has established a site to handle customers’ concerns.

The good thing is, not just in State Farm; every provider is solidifying the customer support system to carry out every concern with utmost urgency. You’ll know if the company sucks through different external ratings like J.D. Power and others.

Car Insurance Laws in Louisiana

Every driver in Louisiana must have car insurance—that’s non-negotiable. State laws have a considerable influence on car insurance. Each state determines the type of tort law and threshold, the type and amount of liability insurance required, and the system used for approval of insurer rates and forms.

• Accident Judgements: Drivers who are involved in an accident must enter into an installment agreement with the OMV. They must also maintain the SR-22 policy for three years from the date the installment agreement ends
• DWI Convictions: Motorists convicted for driving with a blood-alcohol level of .08 or above must purchase insurance for three years from the date of arrest
• Affidavit of Arrest: Drivers who refuse a blood alcohol test will be automatically arrested and will be required to maintain the insurance for three years following the date of arrest
• Notice of Violation: Drivers who fail to maintain minimum liability insurance must present evidence of insurance within three days of an accident, or they may receive notice of non-compliance

Drivers must maintain Louisiana SR-22 for three years. At that time, the SR-22 may be dropped, provided there was no coverage lapse.

Car Insurance for Low-income Program

There is not a government-assisted insurance program for families with low incomes; however, if you’re discouraged by this and you’re still looking to save a few bucks on your Louisiana car insurance policy, ask your provider if they carry these insurance discounts to lower your rates and if you are eligible for them:

• Multi-car discount
• Military Discount
• Veterans discount
• Homeowners discount
• Good driver discount
• Student Discount

California, New Jersey, and Hawaii are the only states in the U.S. with a government-assisted car insurance program.

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Car Insurance Fraud in Louisiana

What is automobile insurance fraud?

According to the IIHS, insurance fraud can be “hard” or “soft.” Hard fraud occurs when someone deliberately fabricates claims or fakes an accident. Soft insurance fraud, also known as opportunistic fraud, occurs when people pad legitimate claims.

The IIHS also says that the Insurance Research Council reported that “Auto insurance fraud and claim buildup added between $4.9 billion and $6.8 billion to closed auto injury claim payments in 2007.”

Are you worried about getting caught in insurance fraud? Here is the complete guide for you to avoid committing car insurance fraud.

If you know someone who has committed insurance fraud or you need to contact the Louisiana State Insurance Department, you can visit their website at www.ldi.la.gov, follow them on Twitter @LAInsuranceDept, or give them a phone call at 1-800-259-5300.

Statute of Limitations

When filing claims, you can’t wait 20 years from the time of your accident to finally call up your insurance company and ask for a check to cover property damage and/or medical bills. The statute of limitations prevents this from happening.

According to Louisiana state law, you have one year from the date of your accident to file and resolve a claim for personal injury and property damage.

One year can fly by pretty fast, so if you’ve been in a recent accident, file your claim so you’re not stuck paying out of pocket for those medical and property damage liability expenses.

State-Specific Laws in Louisiana

Every state has its own set of weird driving laws. We thought we’d include those in this section.

Louisiana revised statute 32:300.4 states that it is: “unlawful for the operator or any passenger in a motor vehicle to smoke cigarettes, pipes, or cigars in a motor vehicle, passenger van, or pick-up truck, when a child who is required to be restrained in a rear-facing child safety seat, a forward-facing child safety seat, a booster seat, or a motor vehicle’s safety belt as required in R.S. 32:295 is also present in such vehicle, regardless of whether windows of the motor vehicle are down.”

Taxi drivers are prohibited from making love in the front seat of their taxi during their shifts.

These could also fall under the distracted driving incidents. Read more: The Dangers of Distracted Driving

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Penalties for Driving without Insurance in Louisiana

You should know by now that driving without car insurance is against the law in the state of Louisiana, and you will be facing some serious penalties if you do so.

The first time you are caught driving without car insurance, you’ll have to pay some serious green.

• Fine: $500 to $1000
• If in a car accident, the fine plus registration revoked and driving privileges suspended for 180 days

Let’s review what kind of proof of insurance is accepted in the state of Louisiana:

• Valid liability insurance ID cards
• Copy of your current car’s insurance policy
• Valid insurance binder (a temporary form of car insurance)
• Picture of proof of insurance on your smartphone

Anytime a law enforcement officer pulls you over and requests to see your license, proof of insurance, and registration, you must hand it over. Failure to do so can result in your car being impounded, your license plates being removed, and a yellow sticker will be attached to your rear windshield. You have three days to provide proof of insurance.

As you can see, purchasing car insurance is usually a much cheaper option than not having car insurance. See how your car insurance impacts your future traffic citations.

Teen Driver Laws

In the state of Louisiana, you must be at least 15 years old to start driver’s education classes. However, there are legal requirements that must be met before turning 16 years old and getting a restricted driver’s license.

Look below at the chart for teenage driver laws.

Driver License Requirements in Louisiana

Here are some rules for teen drivers with restricted licenses.

Teen Driver Restrictions in Louisiana

Teenage drivers in Louisiana are subject to restrictions, such as limitations on nighttime driving, limitations on passengers, and a prohibition on the use of cell phones by anybody under the age of 18. These are just the right things to avoid accidents.

Negligent Operator Treatment System (NOTS)

Negligent or “reckless operation” of a vehicle is a crime in Louisiana. The offense is defined as driving in a “criminally negligent or reckless manner.”

In other words, a person can be convicted of reckless driving for driving in a way that a reasonably careful person would know is dangerous.

In Louisiana, reckless driving of a vehicle is a misdemeanor. The possible penalties for a violation are:

• First offense: A first reckless operation conviction carries up to 90 days in jail and/or $200 in fines
• Repeat offense: For a second or subsequent reckless operation conviction, the driver faces ten days to six months in jail and/or $25 to $500 in fines

Motorists who are convicted of three reckless operation offenses within 12 months face a 24-month license suspension. Here is a complete manual of how to keep you and your car safe.

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Rules of the Road: Fault or No-fault State

As mentioned, Louisiana is an at-fault state. This means that if you cause an accident, you are fully responsible for covering the costs of damages and medical bills that result from that accident. You may have caused an accident that led to 25 people being injured and 16 cars being totaled. Guess what?

You’re still responsible one way or another.

This is exactly why it is highly recommended that you have more insurance than the minimum amount required. No one wants to pay for damages out of pocket.

Seat Belt and Car Seat Laws in Louisiana

Vehicle crashes are the leading cause of death for children and adults aged between 3-33 years old. Luckily, the proper usage of seat belts, child restraints, and/or car seats can protect you and your children in the event of a collision.

Are you aware of Louisiana’s seat belt and car seat laws? Louisiana wants drivers (and passengers) to be safe while on the road. If you are unsure of seat belt laws in Louisiana, look at the chart below.

Seat Belt Laws in Louisiana

Louisiana also wants small children to be safe while riding in a moving vehicle. Check out the Louisiana car seat laws below.

Car Seat Requirements in Louisiana

Protect your little riders; if you don’t, you’re looking at paying a fine of $100 plus fees the first time you break one of these laws.

Another rule to pay attention to regarding riding in a vehicle:

It is against the law to ride in the cargo area of a pickup truck. Please note that insurance will not cover your claim if you have been in an accident while riding in the cargo area.

You will not be covered if the following applies:

• people 12 and older if the truck is being moved on a non-interstate highway
• parades moving less than 15 mph
• emergencies if the child is with an adult in the cargo area
• emergencies while moving on an interstate highway

Read more: How the seat belt have gotten cars safe in the years

The Keep Right or Move Over Laws

Let’s talk about keep right or move over laws in the state of Louisiana.

Left-lane driving is only allowed for passing or turning left. However, there are exceptions to this law. On multilane highways, keep right except to pass. Move right if blocking overtaking traffic.

Moreover, state law requires drivers approaching any stationary emergency vehicle, including tow trucks, displaying flashing lights, and traveling in the same direction, to vacate the lane closest if possible to do so or slow to a reasonably safe speed. These driving tips have smoothened the flow of traffic.

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Speed Limit in Louisiana

The following information is pulled from the IIHS.
Below are the maximum speed limit laws for the state of Louisiana.

Speed Limit in Louisiana

Moreover, speed limits are essentially established to establish safe driving and safe people on the roads.

Ridesharing Mechanics in Louisiana

Have you ever heard of ridesharing? Ridesharing insurance is required when you drive people around for your job for companies like Uber or Lyft.

If you are looking for ridesharing insurance in Louisiana, check out the following insurance providers:

• Allstate
• USAA
• Geico
• State Farm

Please keep in mind that some insurance companies may refuse to insure you if you are in the ridesharing business.

Automation on the Road in Louisiana

What is automation on the road?

According to the IIHS, automation involves using radar, cameras, and other sensors to perform parts or all of the driving tasks on a sustained basis instead of the driver. One example is adaptive cruise control, which continually adjusts the vehicle’s speed to maintain a set minimum following distance.

Features such as automatic braking, which acts as a backup if the human driver fails to brake, or blind-spot detection, which provides additional information to the driver, aren’t considered automation under this definition.

In addition, driving automation is not limited to vehicles that drive themselves without human interaction; it includes technologies that vary in technical capability.

Louisiana doesn’t currently have any laws about automation, but this might change soon as technology advances.

You can read more about the type of insurance and discounts best suited for different automated vehicles.

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DUI Laws in Louisiana

In the year 2020, there were 212 alcohol-related traffic fatalities. Similar to many other states, Louisiana has strict DUI laws.

DUI Laws in Louisiana

Please see the chart below for the penalties for drinking and driving.

DUI Offenses and Penalties In Louisiana

If you get caught drinking and driving a fifth time in Louisiana, the consequences will be the same as if it were your fourth offense.

These penalties aren’t inexpensive; don’t drink and drive. Every time you drink and drive, you risk your own life as well as other people on the roads and pedestrians. Read more about the dangers of driving under the influence and its impact on the pedestrians.

Marijuana-impaired Driving Laws

Currently, there are no laws about doing marijuana while driving, but this doesn’t mean you can’t be pulled over for driving under the influence.

Law enforcement officers can pull you over for what is called “impaired driving.”

That is why you never risk yourself driving under the influence of this substance. Receiving fines, tickets, and violations are the fewer scenarios you could cause or involve yourself in an accident that will cost lives the worst. So, never ever drive unless you are in the clearest state of your mind.

Distracted Driving Laws

Technology has become a helpful tool, but it’s also been destructive – especially when it comes to distracted drivers and texting and driving. Look at the table below to learn more about distracted driving laws.

Cellphone Laws in Louisiana

IIHS requires all Louisiana learner’s permit holders, regardless of age, and all intermediate license holders are prohibited from driving while using a hand-held cellphone. Drivers younger than 18 are also prohibited from using any cell phone.

All drivers, irrespective of age, issued a first driver’s license are prohibited from using a cell phone for one year. The cellphone ban is secondary for novice drivers ages 18 and older.

Vehicle Theft in Louisiana

Did you know that some cars are more stolen than other cars?
Below is a list of vehicle car theft trends in the state of Louisiana. The year with the vehicle is just the most popular model year stolen.

Car Insurance Thefts in Louisiana by Make and Model

According to the table above, Hyundai Elantra, Hyundai Sonata, and Kia Optima are the most stolen vehicles in Louisiana.

This next list is pulled directly from the FBI. It shows the cities in Louisiana where vehicle theft occurs the most. See if you can find your city in the list below.

Vehicle Thefts in Louisiana by City

Surprisingly, Baton Rouge had 663 incidents, which is good for those in Addis. Your motorcycle is safe. The good thing is that theft is covered in most car insurance.

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Road Fatalities by Weather and Light Condition

Here are the summative numbers of fatalities at different times of the day in Louisiana.

Fatalities in Louisiana by Weather Conditions

According to this list, most of these fatalities occurred in broad daylight without any weather conditions. A few occurred in the dark but lighted areas, and even fewer occurred at dawn.

Car Fatalities in Louisiana by County

This list and a few more below are pulled from the National Highway Traffic Safety Administration.

Fatalities in Louisiana by Counties

The trend of the number of fatalities since 2019 is increasing, with 5 incidents each year.

Are traffic fatalities more likely to happen in rural environments or in the city?

Fatalities in Louisiana by Traffic

Usually, more fatalities happen in rural environments because it takes longer for an emergency service to get to a victim. However, some cities have a higher fatality rate because there are more cars on the road, which means more fatal accidents are likely to occur, resulting in a higher fatality rate.

Below is the list of fatalities by person type in four consecutive years.

Fatalities in Louisiana by Person Type

Accidents involving roadway departures have resulted in the most traffic fatalities in Louisiana. As you can see, the trend has been upward since 2019 involving different vehicles.

Fatalities in Louisiana by Crash Type

A single vehicle has the most fatalities, with 285 in 2019 and 570 in 2022. Other vehicles, though lesser in number, still follow an increasing trend throughout the years.

Car Fatalities Trend in Louisiana

Here’s the five-year traffic fatality trend for the top ten largest counties in Louisiana. The highest number is from East Baton Rouge Parish, with 85 fatalities in 2022. While Terrebonne Parish, Ascension Parish, and Jefferson Parish have the smallest numbers from 31 to 40 numbers in 4 years.

Fatalities Trend in Louisiana by Counties

Speeding is another major factor when it comes to traffic fatality rates. Below are the counties and a 5-year trend of fatalities in speeding. As you can see, East Baton Rouge still had the most number of fatalities.

Fatalities in Louisiana by County Involving Speeding

Moreover, drunk driving is another horrible thing that claims the lives of thousands of Americans each year. Louisiana has one of the highest alcohol-impaired fatality rates in the country. Sadly, the data shows that East Baton Rouge still had the most numbers in the past 5 years.

Fatalities in Louisiana by County Involving an Alcohol-Impaired Driver

According to responsibility.org, in 26 states and D.C., under-21 alcohol-impaired driving fatalities per 100,000 population were at or below the national average of 1.2 deaths per 100,000 population.

Under 18 DUI Arrests In Louisiana

Louisiana’s average is slightly above the national average at 1.3 alcohol-impaired driving fatalities per 100,000 population. Louisiana is ranked 45th in the U.S. for under-18 DUI arrests.

Please don’t drink and drive. Every time you choose to disregard this law, you risk your life and the lives of other drivers on the road. Read more: Common risk faced by Teen Drivers

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EMS Response Time

Arriving seconds too late or seconds early can often mean the difference between life and death when it comes to EMS response time.

EMS Response Times in Louisiana by Area

Don’t be discouraged by these numbers, even though they seem high. Usually, it takes a little longer to reach a victim in a rural area than it does to reach one in an urban area because cities are more populated with EMS services.

Percentage of Car Ownership in Louisiana

According to Data USA, Louisiana residents own an average of two cars. The data shows a slight difference in car ownership between Louisiana and the U.S.

The trend of car ownership declined from 2018 to 2023. Did the people in the U.S. decide not to own a car for the coming years? Perhaps they are just confused about what factors to consider. Here is everything you need to know about buying a car.

We hope this helps you decide on the best car insurance in Louisiana, tailored to your needs. Get your quotes in just a few clicks by just entering your ZIP code.