AARP Car Insurance in Louisiana

Unlock Savings on Louisiana Auto Insurance for AARP Members

From the historic streets of New Orleans, Baton Rouge and Shreveport to the rural roads of Central Louisiana and the wetlands along the coast, car insurance in Louisiana helps give you peace of mind on the road knowing you’re protected.

The Hartford makes it easy to get Louisiana auto insurance, so you can explore and enjoy the Bayou State knowing you’re covered in case the unexpected occurs. Since 1984, the AARP^® Auto Insurance Program from The Hartford¹ has offered customizable car insurance and exclusive benefits for AARP members in Louisiana, including savings of up to 10% for simply having an AARP membership.^†

What Is the Average Cost of Auto Insurance in Louisiana?

The average cost of car insurance for Louisiana customers of the AARP Auto Insurance Program from The Hartford is $2,278 a year, or about $190 per month.^‡‡‡ However, car insurance rates vary and depend on several factors, such as zip code, driving history and type of car insured.

Louisiana Car Insurance Discounts for AARP Members

AARP members in Louisiana can take advantage of car insurance discounts through the AARP Auto Insurance Program from The Hartford to help them save, including:

Bundle Discount

Bundling your insurance in Louisiana is a quick and easy way to save. With the AARP Auto and Home Insurance Program from The Hartford, you could save nearly $1,000 by bundling your auto and home insurance policies.**

Paid-in-Full Discount

You’re eligible for extra auto insurance discounts if you pay your bill in full rather than making monthly payments.

Safety Feature Discount

You can get additional savings if your car has certain safety features, like anti-lock brakes.

Online Quote Discount

When you get a car insurance quote from the AARP Auto Insurance Program from The Hartford online today, you can get a discount (in most states).

The Hartford also offers discounts related to driver education and training, like:

Safe Driver Training Discount

You can save on car insurance rates for drivers under 21 years old (under 25 in Georgia) if they complete an approved training course.

Defensive Driver Course Discount

If you’ve completed an approved defensive driving course, you can enjoy a discount on your car insurance for the next three years.

What Coverage Is Required for Louisiana Auto Insurance?

Car insurance coverage is required in Louisiana. Specifically, Louisiana law requires drivers to carry both bodily injury liability coverage and property damage liability insurance, with specific minimum coverage amounts. The Hartford policies come standard with at least the minimum auto insurance required in your state, so you never have to worry about being underinsured.

Coverage	Amount
Bodily Injury Liability	$15,000 per person; $30,000 per accident
Property Damage Liability	$25,000 per accident

Comprehensive insurance and collision insurance are coverage options that help pay to fix your vehicle after a crash or from things like theft or vandalism. While these coverages are not required by state law, they may be mandated by your lender if you lease or finance your car.

Louisiana Car Insurance FAQs

Why Is Louisiana Car Insurance So Expensive?

According to 2024 averages, car insurance costs in Louisiana are higher than the national average and even surrounding states, like Mississippi and Texas.²There are multiple reasons for this, including the frequency of natural disasters in the state, the economic strain caused by auto accidents in Louisiana, and the cost of parts and labor during repairs, to name a few.³

Is Car Insurance Legally Required in Louisiana?

The Hartford can help if you’re wondering, “Is car insurance required in my state?” For Louisianians, the answer is yes. Car insurance is legally required in Louisiana. You must meet minimum state requirements, including:

Bodily injury liability: $15,000 per person, $30,000 per accident
Property damage liability: $25,000 per accident

What Does Louisiana Auto Insurance Cover?

The AARP Auto Insurance Program from The Hartford offers many types of car insurance coverages to help protect Louisiana drivers, like bodily injury liability coverage and property damage liability. These coverages are both required by Louisiana state law. Comprehensive insurance and collision insurance are coverage options that aren’t mandated by state laws but may be required by your lender if you lease or finance your vehicle.

To extend your protection even further, you can take advantage of additional coverages through the AARP Auto Insurance Program from The Hartford.

Get a Quote for AARP Auto Insurance in Louisiana from The Hartford

As an insurance company with more than 200 years of experience protecting individuals and their assets, The Hartford makes it simple to get customized auto insurance coverage in Louisiana. To learn more and discover the savings and benefits available to you through the AARP Auto Insurance Program from The Hartford, call 888-546-9099 or get a free quote online today.

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Car Insurance in Plain English

Quick answers and easy-to-understand auto insurance definitions written with you in mind.

To learn more, read through our auto insurance definitions page.

Last Updated: January 12, 2026

^2,3 Bankrate, “Best car insurance in Louisiana for 2025”

^† Average annual savings are derived from 6-month policy terms and based on information reported by customers who switched to The Hartford’s newest rate plan between 9/1/24 and 8/31/25. This data is also used to determine the number/percentage of individuals who saved money when they switched. Your savings may vary. Rate differences from AARP members and non-members vary by state and AARP membership tenure.

** Average annual savings are based on information reported by customers who switched to The Hartford’s newest rate plan between 9/1/24 and 8/31/25. Average auto insurance savings $597 and average home insurance savings $366. Your savings may vary. Rate differences for AARP members and non-members vary by state and AARP membership tenure. Auto/Home discount is available only to policyholders who have both their auto and home (or condo or renters) insurance through the AARP Auto & Home Insurance program from The Hartford. The Hartford does not write new business in all areas, including the states of CA and FL.

^§ Availability of RecoverCare benefit and benefit levels vary by state. The Hartford RecoverCare Advantage^® is a registered mark of The Hartford.

^§§ Terms and conditions apply.

^‡ Terms and conditions apply. Accident Forgiveness and the Disappearing Deductible are not available to CA policyholders.

^‡‡ Terms and conditions apply. Availability varies by state.

^‡‡‡ Based on one car and driver; individual rate/premium/savings will vary based on actual coverage selections and characteristics of vehicle(s)/driver(s).

Additional disclosures below.