Louisiana Car Insurance - Auto Insurance Quote in LA
Louisiana has so many charms, it's difficult to count them all. Let's just mention the special music, history and style of New Orleans, one of the country's unique cities. CarInsurance.com is ready to be of assistance to the residents of Louisiana in all their car insurance needs.
| Current average car insurance premium in Louisiana | $1,989.05 |
| Current average car insurance premium U.S. | $1,602.16 |
| New Orleans | $2,262.22 |
| Baton Rouge | $2,147.81 |
| Check out our car insurance rates in more Louisiana cities | |
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Historically, Louisiana drivers have paid steep price for their car insurance. Many visitors like to know how Louisiana's insurance rates have been trending over the past few months. CarInsurance.com's Average Premium Trend Tool provides those details. It follows rates month to month -- use your mouse to track the state's average annual premium.
You want reliable insurance carriers? CarInsurance.com makes finding and buying auto coverage as easy as possible. First, we give you the minimum amount of coverage Louisiana requires for its residents. Then, we have tools to provide insights into policies and give you the opportunity to decide just what is right for you when it comes to protection. We'll also tell you what fellow drivers are paying throughout Louisiana.
Louisiana state law requires minimum Bodily Injury Liability limits of $15,000 per injured person up to a total of $30,000 per accident, and Property Damage Liability coverage with a minimum limit of $25,000. This basic coverage is often referred to as 15/30/25 coverage.
Minimum Required Insurance Coverage in Louisiana*
Bodily Injury Liability: $15,000/$30,000 Limit
Property Damage Liability: $25,000 Limit
*Effective January 1, 2010
The state of Louisiana follows a Tort system, meaning someone must be found to be at fault for causing the accident, and that person and their insurance company is responsible for all the damages. You should be aware that the details of a tort system vary from state to state.
You can get Uninsured/Underinsured Motorist Bodily Injury coverage to cover bodily injury caused by an uninsured and/or underinsured driver (depending on the state). Louisiana does not require drivers to purchase this coverage, but you should consider purchasing this valuable coverage.
Begin the process by looking the Minimum State Required package offered through CarInsurance.com. Of course, you may want different deductibles and higher liability limits; you can build a package that addresses your individual needs. Need more info? CarInsurance.com's agents, licensed in Louisiana, are available to assist you through the process.
Some people believe it's unnecessary to shop around because state insurance regulators and the insurance companies set prices. But the truth is that there's often quite a difference in the prices quoted by company. It really does make sense to comparison shop, and CarInsurance.com is a great place to do it.
Here’s a rundown on the cars that Bayou State thieves like to steal. You’ll pay higher insurance rates for these vehicles:
