Cheap Auto Insurance Quotes in Louisiana

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Louisiana Car Insurance Averages for Annual Premiums

$765
Minimum Coverage Average
$2351
Full Coverage Average
$1638
All Coverage Types Average

Cheapest Car Insurance in Louisiana

Getting cheap car insurance in Louisiana doesn't necessarily mean getting a low quality policy.  Many insurance carriers offer discounts on your car insurance policy.  These discounts come from things like:

  • Adding multiple vehicles to a policy
  • Bundling home and auto insurance together
  • Paying for your policy upfront
  • Passing a defensive driving training course
  • Keeping your driving record in good standing
  • Updating your policy info on a regular basis
  • Checking your rates, deductible, and limits
  • Using an anti-theft security system on your car
  • Being careful with the type of vehicle your purchase

Make sure you ask the agent you speak with about what you can do to get Louisiana affordable car insurance.  Get them to go through all of the auto insurance discounts they offer so you don't miss any.

 

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Best Car Insurance in Louisiana

The Insureist™ Data Science team ranks the best insurance companies in Louisiana using multiple factors.  This includes areas such as financial health, reliability, quality, online reviews, and customer service.  Data is gathered from multiple credible sources that include:
  • Forbes
  • Consumer Reports
  • Standard & Poor’s
  • J.D. Power
  • Moody’s
  • A.M. Best

The best auto insurance companies in Louisiana are determined based on these results.

Car Insurance in Louisiana

Louisiana Vehicle insurance pricing will be different from city to city.  The Insureist™ Data Science team analyzed each metro area in Louisiana to give you an idea of the average insurance premium in each city.  LA insurance rates will vary depending on your driving record, personal history, and other information unique to your situation.

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Types of Louisiana Car Insurance Quotes

The cheapest insurance companies in Louisiana will be different from person to person.  This is because everyone has a unique history when it comes to the factors that impact the rate you pay for insurance in Louisiana. Average rates may vary depending on the profile and background of the policyholder depending on these and other factors:

  • Age
  • Vehicle make and model
  • Insurance claim history
  • Credit score
  • Driving record
  • Gender
  • Marital status
  • Legal liability requirements
  • Where you live
  • Miles driven each year

Cheap Auto Insurance for Good Drivers

Drivers who drive clean and traffic citations can have car insurance rates significantly lower in the state of Louisiana.

Cheap Auto Insurance for Drivers with DUI

Everyone makes a mistake and has to deal with the consequences, but the consequences of a DUI can be severe. These penalties include fines into the thousands of dollars. Finding affordable rates for LA car insurance after a DUI is no small feat, but if you really have trouble getting an affordable rate, consider only liability insurance as a way to save.

Cheap Auto Insurance for Drivers with an At-Fault Accident

Even a tiny fender bender can lift interest rates to levels that will significantly alter your budget. Insurers look at different time frames to track your driving history, from the time of your accident to the date of your accident and even up to a few months later. One company could look at the last five years, while the other could look at the last three years and so on.

Cheap Auto Insurance for Speeding Drivers

Speeding tickets can directly impact the rate you pay for LA auto insurance.  Get enough of them and you can even lose your license.

Cheap Auto Insurance for Young Drivers

Inexperienced drivers pose a higher risk to insurance providers so their rates can be significantly higher than average drivers. Novice drivers should be especially careful to maintain a clean driving record and comply with all speed limits and other driving regulations. Some LA insurance companies can provide more favorable rates than others for younger drives. It's worth getting multiple quotes so you can save money on your monthly insurance premiums.

Louisiana SR‌-22 Insurance

You will need to get SR‌-22 insurance in LA if it's ordered by the state or a court. If it's a court that orders it, then the judge will notify you of this at the hearing. If it's ordered by the state, then you will get a letter from the DM/BMV.

Not all drivers need an SR-22. It's generally only required if you are caught driving without a valid license or valid insurance. You may also need an SR-22 in these cases:

  • Convicted of a DUI or DWI
  • Operating a vehicle without insurance
  • Too many violations or accidents where you are at-fault
  • Multiple offenses in a short time frame (i.e. getting 4 speeding tickets within a few months)
  • Refusing to pay child support that is court-ordered
  • Having to obtain a hardship license

The SR-22 is not an insurance policy. It's a document that your insurance company in LA files with the state to prove you have adequate car insurance. This allows you to legally drive again if you are ordered to get an SR-22. Not all insurers offer SR-22s so you may need to shop around.

FAQs - Louisiana Car Insurance & Driving Facts

Which car insurance is best in Louisiana?

The best car insurance company in Louisiana will vary depending on where you are located in the state and what type of coverage you need. It's a good idea to get a quote from multiple LA insurance companies to get the best deal for you. Here are the largest insurance companies in the US that you may consider starting with: State Farm, GEICO, Progressive Corporation, Allstate, USAA, Liberty Mutual, Farmers Insurance Group, Nationwide Mutual Insurance Company, American Family Insurance, The Travelers Companies. Please note that they may or may not provide specific kinds of coverage in your area.

How much car insurance do i need in Louisiana?

The minimum auto insurance liability coverage required in the state of Louisiana is 15/30/25. This means that you must by law have at least the following coverages: $15000 bodily injury coverage per person, $30000 bodily injury coverage per accident, $25000 property damage coverage per accident. While these are the legal minimums to drive in Louisiana, many experts recommend that you get liability coverage of at least 100/300/50 if you can afford it. This means you should strongly consider: $100,000 bodily injury coverage per person, $300,000 bodily injury coverage per accident, $50,000 property damage coverage per accident. You may also consider getting additional LA auto insurance coverage depending on your financial situation.

How much does car insurance cost in Louisiana?

The average annual cost of an auto insurance policy in Louisiana is $1638. The average minimum coverage annual cost in Louisiana is $765. The average full coverage annual cost in Louisiana is $2351.

How does car insurance work in Louisiana?

Car insurance pays for damage caused by the driver, but can also cover repairs and medical bills. Motorists buy policies from auto insurance companies that promise some coverage for different situations. There are different types of car insurance for drivers in different states, and there are many different levels of coverage available from different companies. Vehicle insurance is mandatory in 48 states, but the specific insurance requirements and costs vary from state to state for each driver.

What are the different types of car insurance in Louisiana?

These are the 5 typical components of an auto insurance policy: Liability Coverage - Pays for injuries to people and damage to property caused by you in an accident; Uninsured and Underinsured Motorist Coverage - Pays your medical bills if you are in an accident and the other driver does not have an insurance policy or does not have a big enough one; Comprehensive Coverage - Pays for damage to your car from fire, hail, flood, falling objects, vandalism, hitting an animal, and theft of your car; Collision Coverage - Pays for the repair or replacement of your car after an accident; Medical Payments Coverage - Pays for covering the cost of medical expenses related to an accident.

Additional Insights

Louisiana Map

Louisiana

Vehicle Insurance

Cities

Louisiana (/luˌziˈænə/ (About this soundlisten), /ˌlzi-/ (About this soundlisten)) is a state in the Deep South and South Central regions of the United States. It is the 19th-smallest by area and the 25th most populous of the 50 U.S. states. Louisiana is bordered by the state of Texas to the west, Arkansas to the north, Mississippi to the east, and the Gulf of Mexico to the south. A large part of its eastern boundary is demarcated by the Mississippi River. Louisiana is the only U.S. state with political subdivisions termed parishes, which are equivalent to counties. The state's capital is Baton Rouge, and its largest city is New Orleans.

Much of the state's lands were formed from sediment washed down the Mississippi River, leaving enormous deltas and vast areas of coastal marsh and swamp. These contain a rich southern biota; typical examples include birds such as ibises and egrets. There are also many species of tree frogs, and fish such as sturgeon and paddlefish. In more elevated areas, fire is a natural process in the landscape and has produced extensive areas of longleaf pine forest and wet savannas. These support an exceptionally large number of plant species, including many species of terrestrial orchids and carnivorous plants.[citation needed] Louisiana has more Native American tribes than any other southern state, including four that are federally recognized, ten that are state recognized, and four that have not received recognition.

Some Louisiana urban environments have a multicultural, multilingual heritage, being so strongly influenced by a mixture of 18th-century French, Italian, Haitian, Spanish, French Canadian, Native American, and African cultures that they are considered to be exceptional in the U.S. Before the American purchase of the territory in 1803, the present-day State of Louisiana had been both a French colony and for a brief period a Spanish one. In addition, colonists imported numerous African people as slaves in the 18th century. Many came from peoples of the same region of West Africa, thus concentrating their culture. In the post-Civil War environment, Anglo-Americans increased the pressure for Anglicization, and in 1921, English was for a time made the sole language of instruction in Louisiana schools before a policy of multilingualism was revived in 1974. There has never been an official language in Louisiana, and the state constitution enumerates "the right of the people to preserve, foster, and promote their respective historic, linguistic, and cultural origins".

Based on national averages, Louisiana frequently ranks low among the U.S. in terms of health, education, and development, and high in measures of poverty. In 2018, Louisiana was ranked as the least healthy state in the country, with high levels of drug-related deaths and excessive alcohol consumption, while it has had the highest homicide rate in the United States since at least the 1990s.

Source

Vehicle insurance (also known as car insurance, motor insurance, or auto insurance) is insurance for cars, trucks, motorcycles, and other road vehicles. Its primary use is to provide financial protection against physical damage or bodily injury resulting from traffic collisions and against liability that could also arise from incidents in a vehicle. Vehicle insurance may additionally offer financial protection against theft of the vehicle, and against damage to the vehicle sustained from events other than traffic collisions, such as keying, weather or natural disasters, and damage sustained by colliding with stationary objects. The specific terms of vehicle insurance vary with legal regulations in each region.

Source

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