MoneyGeek’s free tool gives a quick estimate of what your car insurance in Louisiana may cost, while also explaining which factors have the largest influence over rates – so that you avoid overspending!

Louisiana drivers face some of the highest car insurance premiums in the nation. This is largely attributable to Louisiana being an at-fault car accident state; as an insurer of a driver found to be at fault must cover medical and repair expenses associated with their accident, drivers with an at-fault accident on their record often pay twice more for coverage compared with drivers without one on record.

Other factors that could impact the cost of car insurance in Louisiana include driving tickets and criminal convictions. Marriage or parenthood could change your rates; but to get an accurate idea of your premium costs, simply compare quotes from different providers with MoneyGeek’s comparison tool; top insurers often offer discounts for good students, military service members or veterans, homeownership status, being paperless etc.

Alongside coverage level and driving history, your credit score plays an equally vital role in the cost of car insurance in Louisiana. Typically those with lower scores tend to pay more; though the exact figure depends on each company’s specific formulas.

Young drivers in Louisiana typically face some of the highest insurance premiums when added to their parents’ policies, due to lack of experience and increased accident risk. Over time, however, their rates may decrease as they gain more experience and establish themselves as safe drivers.

When comparing car insurance quotes, be sure to consider both minimum coverage and full coverage options. While liability coverage is mandated by law, full coverage includes collision and comprehensive – collision will cover damages from an at-fault collision with another vehicle or object while comprehensive will cover damages caused by fire, severe weather or theft.

Utilizing our Louisiana auto insurance calculator, we discovered that USAA provides some of the lowest monthly premium rates, at approximately $179 for full coverage. Other top insurers such as State Farm and Farm Bureau offer competitive auto insurance quotes at competitive prices in Louisiana.