Louisiana Car Insurance Quotes. Find Cheap Auto Rates
Need cheaper Car Insurance in the Bayou State?
You’re probably aware of how tricky insurance can be in Louisiana. When we’re talking about something like homeowners or renters insurance, car insurance rates can be high due to the possibility of hurricanes, strong storms, and other factors that cause property damage. Fortunately, auto insurance in the Bayou State doesn’t come with that kind of expense.
Drivers in Louisiana can find the cheapest car insurance quotes for their auto insurance policy here. Getting the right insurance is more than comparing the quotes, though – so below, we’ve explained all the Louisiana car insurance terms you should know.
At Insurance Geek, our Louisiana insurance customers are first in line. We love helping families feel safe, insuring multiple cars under one roof, and getting the proper protection without seeing our customers pay an arm and a leg. We know how to help you save with competitive quotes from multiple companies.
Louisiana Car Insurance Minimum Required Coverage
All states require some type of minimum auto insurance protection. Louisiana laws are no different, so Louisiana also has its recommended coverages, though as you’ll see from reading below, we typically recommend a little more protection than what you’ll see listed here. Minimum coverage limits will not be enough for all drivers in Louisiana.
BI (Bodily Injury) Liability coverage: $15,000 auto, $30,000 max per accident
Injuring someone else in an at-fault accident is going to require some medical payment if you’re found liable. This is where BI comes in – if you hurt someone else, whether another driver or a pedestrian, this type of coverage can pay for the medical expenses. Louisiana laws allow $30,000 max per accident, and all drivers in Louisiana should consider this possibility.
Property Damage Liability minimum coverage: $25,000 auto
Human bodies are far more vulnerable than cars, but a totaled car or destroyed property can put you out, as well – or someone else out. If you damage someone else’s property, whether we’re talking about cars, fences, etc., this type of coverage will take care of you.
Lousiana drivers must have uninsured or underinsured insurance. If a driver without insurance – or not enough coverage – hits you and damages you or your vehicle, you’ll want to have coverage for that. You may not be able to wait through a long court battle – and despite a court visit, you may still not be able to get the money you need to pay for your damages. This type of insurance can help here.
How Much Will I Pay for Auto Insurance in Louisiana?
The average rates for car insurance are $1231 a year in the state of Louisiana (close to national averages), depending on your ZIP code.
More factors will go into car insurance rates and what each person will pay, from companies you choose to your vehicle. Here’s a short overview of all the things drivers in Louisiana should pay attention to when it comes to insurance rates:
Young drivers, such as a teen driver who has recently obtained a driver’s license, will get higher average rates than other Louisiana drivers. Why teen drivers? Because companies will consider them inexperienced and therefore more likely to cause accidents on the road.
Average rates for drivers in Louisiana will also depend on their driving history. Good drivers with no recent accident or a speeding ticket will certainly get a lower premium.
Although this isn’t a decisive factor, your car insurance rates will still be affected by your credit score. Insurance companies want to learn whether you are responsible with your money, and a poor credit score could put you slightly behind in terms of cost. However, we can still find cheap rates, even for Louisiana drivers with a poor credit rating. All you need to do is get quotes from our calculator tool on this page!
Your vehicle will make an impact on the cost of your insurance. Drivers with a sports vehicle and more powerful engines can expect to pay more because of the higher risk associated with fast driving. The make, model – and even color – of your vehicle all matter.
In areas like New Orleans, you may need to pay a little more to get the minimum coverage protection or higher. Louisiana drivers in metro areas will typically get a higher average rate.
Top cities we work with in Louisiana ZIP code:
- New Orleans
- Lake Charles
Insurance companies have different deals and rates. To allow Louisana drivers to get access to free quotes from multiple insurers, we’ve created a quote engine calculator that they can run on this page.
There’s always a possibility to get a discount on your car insurance. In addition to keeping a clean driving record, insurers value if you give them your complete trust as a customer.
Get Cheapest Louisiana Car Insurance Quotes
At Insurance Geek, we work with top car insurance companies to find the cheapest auto insurance for our Louisiana drivers, regardless of their ZIP code.
To get free quotes and use our services, you just need to enter your info in our fill-in form. It won’t take you longer than a minute or so.
With aggregate quote services like the ones you’ll find out in the search world, you’ll often fill out a quote form and get half a dozen or more agents calling you at any one time. Your best bet is to work with a company like us – we can get you multiple quotes from different carriers without blowing up your phone or annoying you during the day.
For any further inquiries or products you’d like to get, an Insurance Geek agent is there to assist you!
Can I Get a Discount?
Carriers really want your business, so they’re more than happy to give you a discount if they think they can get business from you. When you work with specific carriers and open up different types of insurance lines with them, you’ll be able to save more on your monthly insurance bill. This is what’s called a “bundle” discount, and you may have heard of it in car insurance commercials. It’s a great option if you’re looking to get multiple types of insurance across lines, all from the same carrier.
You can also get a senior, student, or military discount if you’re a member of any of these groups. If you have some time on a Saturday, taking a defensive driving course is a great way for drivers to get a discount on their overall bill – and some comedy-themed defensive driving courses can actually be enjoyable and affordable.
Drivers can also get discounts depending on how they pay. If you pay in full, you can get a PIF discount – meaning, if you pay for the entirety of your policy before it actually goes into effect. There are many different ways you can save – talk to us about your specific situation, and we’ll help you come up with even more ways!
What Does Car Insurance in Louisiana Include?
Coverage options for Louisiana auto insurance include:
PIP (Personal Injury Protection) or Medical liability
Because bodily injury coverage only applies to other drivers or pedestrians you hit in Louisana and not yourself or your passengers, PIP can assist you here. Making sure you have this type of coverage in Louisiana will allow you to pay for any injuries to yourself or other people in your car.
Collision coverage is essentially similar to PIP, but collision also covers your car and your personal property. In order to pay for damages to your car or to replace your car after accidents if need be, every person needs to have this type of coverage in your full coverage auto policy.
Most of our drivers are familiar with comprehensive insurance. Comprehensive coverage benefits you if someone has stolen property from your car and you need to recover it. Broken glass, dings, needing to replace a windshield or fix dents – all these things are covered under comprehensive coverage.
In that way, comprehensive will help with any sort of accidents, not just an at-fault one, that a person may face while driving in Louisiana. Comprehensive and collision coverage are some of the most beneficial additional coverages you can add to your Louisiana policy to get full coverage.
Underinsured or uninsured motorist insurance
This should be part of your full coverage because it pays in the event that you find yourself in an accident with an uninsured (those drivers who are uninsured, i.e., don’t have a Louisiana auto policy) and underinsured driver (who doesn’t have enough limits in their policy to reimburse your expenses).
Bodily injury (BI) liability insurance
Bodily injury accounts for the medical bills of the other party and their passengers in an at-fault accident. To make sure you have enough insurance, it’s recommended to go over Louisiana bodily injury minimum coverage amount and get $30,000 per accident.
Property damage liability insurance
This part of your policy will defray the costs of damage you caused to another person’s property in an at-fault accident.
How Much Coverage in Louisiana Should I Get?
Minimum coverage amounts are required by the Louisiana laws for any ZIP code, and you’ll have to provide proof that you have them. But getting full coverage and adequate protection is more than that.
In most situations, we tell our customers in Louisiana to go for what we call the 100/300/100 calculation. This means you’ll need the following coverage limits: $100,000 in BI protection, $100,000 in personal property protection, and a $300,000 max per accident coverage. The cap allows for up to $300,000 in coverage for each specific accident you get into. If you get into an accident and are responsible for damaging several different cars, the $300k is going to be a blessing.
Most state minimum requirements don’t include collision or PIP, but we highly recommend these in addition to uninsured, BI, and property damage to protect your family from being out of pocket in the event of an accident.
FAQ: Louisiana Car Insurance
Q: What car insurance companies have the best cheap car insurance in Louisiana?
A: Top companies with stellar services and the cheapest rates in Louisiana are Nationwide and Safeco. We can help you get quotes from these as well as other carriers we are partnered with.
Q: How much does car insurance cost in Louisiana?
A: Average rates for Louisiana auto insurance are $1231 annually, similar to the national averages in the states. However, you’ll have to take into account much more than that – your vehicle, driving and financial history, location, etc. It’s also possible to get a discount and save up. You can calculate the price you’d pay in our quote tool on this page!
Louisiana Auto Insurance Rates Calculator
Insurance Geek loves giving our customers the best possible quotes and getting them set up with the best auto insurance without a lot of hassle.
Insurance Geek will work with you to get you the best possible coverage for you and your family and will have the carriers compete for your business. Fill out our easy quote form to find out more and to get connected with the best possible car insurance policy for your needs!