Whether you’re in the Bayou or city, understanding Louisiana car insurance can be as easy as listening to the jazz playing on the street corners. We’ve done the research and compiled together state laws, policy minimums, discounts, coverage types, and more—so all you have to do is take a quick look to make an informed auto insurance decision.

Louisiana State Requirements

Driving without insurance isn’t only dangerous, it’s illegal. That’s why this is the most important thing to remember: you’ll need the following minimums on your car insurance policy in order to abide by state laws:

  • $15,000 in bodily injury liability for one person
  • $30,000 in bodily injury liability for multiple people in one accident
  • $25,000 in property damage

Additional Coverage Options

You only need liability coverage in Louisiana, but more protection never hurt anybody. Consider adding these coverage types to save yourself from paying out of your own pocket after an accident:

Collision Coverage – If you hit something with your car, collision coverage helps pay for damages.

Comprehensive Coverage – Take collision coverage and tack on protection against vandalism, fire, weather, and more.

Uninsured/Underinsured Motorist Coverage – If people drive without insurance and cause an accident, they may not be able to pay for it. Protect yourself from having to pay for it on your own by buying this coverage.

Towing and Labor Coverage – If your car is in an accident, you’ll be able to get a tow on your insurance company’s dime—depending on how much you add to your policy.

Rental Car Coverage – If your car is in the shop after an accident, this type of coverage can help pay for a rental.

What Drivers in Louisiana Are Paying for Auto Insurance

We’ve done the digging to find out what the average driver paid for car insurance in 2014. By comparing your rates, you may see that you’re paying too much. According to our research, here is where you can find the most affordable insurance in Louisiana:

 Average Annual Rates
Pharmacists Mutual$1,202.45
ACE$1,268.31
John Deere Insurance$1,331.15
GEICO$1,347.65
Assuranceamerica Insurance$1,370.60

Get the full run-down on the cheapest car insurance companies in Louisiana by driver profile.

What Affects Your Insurance Rates

Car insurance providers have to be able to estimate the amount of risk they’re taking on by writing you a policy. Based on how risky you seem as a driver, you’ll most likely get a different premium than your neighbor. A few factors that go into their assessment, include:

  • Driving History
  • Age
  • Gender
  • Age, Make, Model of Vehicle
  • Current Driving Habits
  • Credit History

Did You Know?

Driving a car that’s stolen more than others is one factor that increases your risk for an insurance company. Here are the cars stolen in Louisiana the most, so you can think about whether or not it’s worth driving one if it results in having a higher premium*:

  • Chevrolet Pickup (Full Size)
  • Ford Pickup (Full Size)
  • Dodge Pickup (Full Size)
  • Honda Accord
  • GMC Pickup (Full Size)
  • Chevrolet Impala
  • Nissan Altima
  • Toyota Camry
  • Chevrolet Tahoe
  • Nissan Maxima

*According to www.nicb.org

Insurance Experts to the Rescue

We understand that sometimes you just need to get on the phone and talk to a real person. We’re connected with licensed agents who know the inside scoop into Louisiana car insurance and are waiting to hear from you. Call 855-462-2213 to get started on a quote or find answers to your questions today.

Additional Resources for Louisiana Drivers:

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