Louisiana Auto Insurance

state of Louisiana
The Louisiana's Consumer's Guide to Auto Insurance simply states, "Do not buy the first policy you hear about" and "Get quotes from several companies before you sign an application and pay a premium." With this in mind, one can obtain multiple auto insurance quotes quickly and conveniently online.

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Obtaining Cheap Car Insurance in Louisiana

Shopping around is the best bet when it comes to finding the cheapest LA auto insurance premiums available. This is simply due to the fact that every company will charge the same applicant differently. By locating rates comparing prices, individuals have a better chance of finding the most affordable coverage.

When looking to obtain a policy, one should evaluate their needs and compare Louisiana car insurance based on what protection is necessary for their particular situation. By eliminating options on policies that would not be beneficial, consumers can save by not paying for options they may not need.

When comparing rates be sure to take advantage of any discount that may apply. Some of the common discounts available in LA are:
  • Multi-car - this is having two or more cars insured with the same company
  • Multi-line - similarly, this is having a vehicle and life or homeowners insured with the same carrier
  • Good Driver - Many companies offer discounts for those with a clean driving record
  • Good Student - Full-time students with a "B" average can receive a good student discount
  • Some insurers offer farmers and senior citizens discounted rates
  • Proof of completion of a defensive driving course can provide savings
If additional safety features such as anti-lock brakes, anti-theft devices and air bags are equipped on vehicles, this may lower premiums. Be sure to inquire about any discounts that may apply when locating a provider.

Auto Insurance Law in Louisiana

Under LA car insurance laws liability coverage must be carried on any automobile owned. This covers bodily injury and/or property damage that the insured is be found liable for up to the policy limits. The minimum requirements are:
  • $15,000 for bodily injury to one person
  • $30,000 for bodily injury to two or more people
  • $25,000 coverage for damage to someone else's property

legal gavelAs dictated in the Louisiana Consumer Guide to Auto Insurance, failure to carry proof of the required coverage can result in the vehicle being immediately impounded or the removal of license plates and a yellow sticker affixed to the back windshield. At this point the motorist is given three days to provide valid proof to the Office of Motor Vehicles.

If stopped by an officer after the three days, the officer can impound the automobile until evidence of a policy is provided and towing and reinstatement fees are paid. The fines can range from $75 up to $700 depending on the number of prior convictions. It can be far less expensive to always carry valid proof of a policy rather than faces these fees.

Questions Regarding Louisiana Auto Insurance

  • Does My Louisiana Auto Insurance Cover Theft?

    United States flag shaped as LouisianaThe minimum amount of automobile coverage that is required to legally drive in Louisiana will not cover car theft. Motorists in LA are only required by law to carry property damage and bodily injury liability. This mandatory protection only pays for other people's damages that the insured may be...

  • Does My Louisiana Auto Insurance Coverage Fit My Needs?

    Louisiana flag shaped as the stateAlmost every motorist has a unique combination of driving habits, property to insure and coverage needs that can periodically change. To determine whether or not a Louisiana resident has enough automobile insurance to meet all of these needs, they usually must complete a...

  • What Can Affect My Louisiana Auto Insurance Premium?

    Louisiana state flagHow much someone pays for automobile coverage is dependent on a variety of details that can differ with every motorist. Insurers typically examine numerous characteristics when determining the price of a policy, but rates are also capable of changing over time as a...

News for Louisiana Insurance

  • July Brings New Rules for Drivers in Louisiana, Florida, Kansas

    July 1, 2014 - This July 1, a car insurance bill in Louisiana changes the rules for uninsured drivers while another bill in Florida applies changes to coverage for drivers with DUI convictions. Also, an auto insurance-related bill about premium refunds kicks in for Kansas drivers

  • Louisiana Law to Increase Fees for Uninsured Drivers Next Month

    June 16, 2014 - Louisiana drivers will soon face stiffer penalties for driving without car insurance after Gov. Bobby Jindal signed Act 641 into law on Thursday. Starting July 1, owners of uninsured cars will have their cars impounded and their license plates and registration revoked. The new law also increases the reinstatement fee for these ...

  • NAIC: New Jersey Has Highest Car Insurance Premiums, Expenditures

    December 30, 2013 - New Jersey auto insurance has the priciest premiums, and the state is also where drivers spend the most on policies in the U.S., according to the National Association of Insurance Commissioners (NAIC). In the NAIC's latest report on average auto insurance costs, the Garden State unseated last year's leader (Louisiana) as ...

Articles on La. Car Insurance

  • Louisiana Car Insurance Through Comparison Shopping

    Jan 05, 2012 - Individual motorists in the Pelican State frequently have unique personal characteristics and driving histories. Coverage providers also interpret these details differently, resulting in an array of quotes that likely to...

  • Quotes from Louisiana Car Insurance Companies

    Nov 25, 2011 - Price differences between individual companies can usually translate into savings for consumers. This competitive market is one of the major reasons why Louisiana motorists should shop for auto insurance before making a...

Resources Related to Louisiana Coverage Issues