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Finding Cheap Auto Insurance in Louisiana

Louisiana drivers generally suffer from very high auto insurance rates. It is therefore particularly important to find the most competitive rates. We’ve evaluated the major insurers to help you find the best cheap auto insurance in Louisiana.

Cheap auto insurance in Louisiana for good drivers

If you have a good driving record, that is, there are no at-fault accidents or traffic violations, you should be able to get the best auto insurance rates by. Louisiana. But not all insurance companies price their policies the same, so it’s a good idea to shop around. State Farm Auto Insurance and the Southern Farm Bureau had the most competitive rates among the companies we surveyed. If you are a military or a veteran, USAA auto insurance is a solid choice.

Cheap car insurance in Louisiana for speeding drivers

Your car insurance premiums can increase if you are the victim of a speeding ticket. State Farm and Southern Farm Bureau had competitive rates for drivers with a speeding ticket, based on our analysis. USAA has the best prices for military and veterans alike.

Cheap auto insurance in Louisiana for drivers who have caused an accident

Louisiana drivers who cause an accident causing injury to someone else pay on average about $ 1,300 more per year than drivers with a clean driving record. If you’ve caused an accident, try comparing auto insurance quotes from State Farm and the Southern Farm Bureau.

Cheap Auto Insurance In Louisiana For Drivers With A DUI

A DUI conviction can be a costly mistake, especially when it comes to auto insurance in Louisiana. If you have a DUI on your record, you can always shop around to see if you can do better. State Farm and Southern Farm Bureau offered the most competitive prices among the insurers we surveyed.

Cheap Auto Insurance In Louisiana For Drivers With Low Credit

Bad credit usually means higher auto insurance rates in Louisiana. Get quotes from multiple insurers to see if you can lower your bill, like Safeway. USAA is a good option for the military and veterans.

Cheap auto insurance in Louisiana for drivers without insurance

Insurers see a failure in auto insurance history as a sign of risk, which usually means higher prices. If you’re looking for auto insurance in Louisiana after being caught driving without insurance, check out quotes from State Farm and Southern Farm Bureau.

The cheapest vehicles for insurance in Louisiana

In Louisiana, the Honda CR-V LX, Subaru Forester 2.5i, and Subaru Crosstrek are among the cheapest vehicles for insurance, based on average prices of the top 50 selling 2021 models. The 20 cheapest vehicles to insure are below.

The cars with the most expensive auto insurance in Louisiana among the popular models are the Tesla Model 3 Standard Plus ($ 4,309 per year) and the Tesla Model S Performance / Plaid ($ 6,430 per year).

Related: The most expensive and cheapest cars to insure nationwide

Minimum auto insurance required in Louisiana

Louisiana drivers must have auto liability insurance. It pays others if you cause injury or damage in a car accident.

The minimum coverage amounts are at least:

  • $ 15,000 for bodily injury to a person.
  • $ 30,000 for bodily injury to more than one person in an accident.
  • $ 25,000 for property damage in an accident.

This is often written as 15/30/25.

But low liability coverage can put you at risk for big lawsuits. Consider this: $ 30,000 won’t go very far if you cause an accident that injures several people. When your insurance runs out, you can still be sued for the remaining bills. Consider purchasing much higher amounts of liability coverage.

What else should I have?

You can’t believe other drivers have auto insurance. If an uninsured driver hits you, you can try to prosecute them, but not everyone has the resources to pay a court judgment. This is where uninsured motorist coverage (UM coverage) can come in handy. It will pay for your medical bills and damage to your car if an uninsured driver hits you.

  • Variant. “Economy Only UM” is an option in Louisiana that is less expensive than regular UM coverage. He will only pay for economic losses, that is, real dollar losses such as medical bills and lost wages. He will not reimburse you for the pain and suffering. We recommend that you opt for standard UM coverage.

A similar insurance called Underinsured Motorist Coverage (UIM) pays you if someone without enough insurance causes an accident. The person’s liability insurance would pay first, and when that is exhausted, you can make a claim on your UIM coverage.

Another option for car accidents in Louisiana is medical expense coverage. It will cover the medical costs for you and your passengers, regardless of who caused the accident. It can also pay a death benefit. Unlike UM coverage, medical payment coverage will not cover pain and suffering.

What if your car is destroyed in a flood or stolen? How about going back to a post at Rouses Market? The coverage required in Louisiana will not solve any of these problems. You will need collision and comprehensive coverage. They are usually sold as a set and together cover auto theft, flooding, hail, fire, falling objects, vandalism, riots, and collisions with animals and birds.

Collision insurance and comprehensive insurance are generally required if you have a car loan or rental.

Summary: Compulsory auto insurance in Louisiana

Can I show my insurance ID card from my phone?

Louisiana law allows you to use your phone to show an auto insurance ID card. Your auto insurance company may have a mobile app that gives you easy access to your insurance ID card and police documents.

Factors Allowed in Auto Insurance Rates in Louisiana

Auto insurance companies typically look at a person’s driving record, past claims, vehicle model, and more when setting rates. In Louisiana, businesses can also use these factors.

How many uninsured drivers are there in Louisiana?

About 12% of Louisiana drivers do not have auto insurance, according to the Insurance Research Council. If they hit you, you can sue them for payment. But if you have a good level of auto insurance, you will have other options to deal with the situation.

  • You can use your uninsured motorist coverage or your medical expense coverage for injuries.
  • Damage to your car may be covered by either uninsured motorist insurance or your collision insurance.

Penalties for driving without automobile insurance

If you are caught driving without insurance, you can be fined $ 500 to $ 1,000 for the first offense.

When can auto insurance in Louisiana be canceled?

After you’ve purchased a policy for 60 days or more, an insurance company can only cancel it if:

  • You haven’t paid the premium.
  • You have filed a fraudulent claim.
  • You or someone in your household has seen your driver’s license or vehicle registration suspended.

When can a vehicle be totaled in Louisiana?

If your vehicle is badly damaged, an insurance company can total it if the repairs represent more than 75% of the vehicle’s value.

Resolve insurance issues

The Louisiana Department of Insurance has a Consumer Services Bureau who can help you with questions or issues with your insurance. The office also receives complaints against insurance companies.

Methodology

To find the cheapest auto insurance companies in Louisiana, we used rates from Quadrant Information Services, a provider of insurance data and analytics. Rates are based on a driver with a clean criminal record insuring a Toyota RAV4 with $ 100,000 of bodily injury liability coverage per person, $ 300,000 per accident and $ 100,000 of property damage liability, coverage for uninsured motorist and any other coverage required in the state. The rate also includes collisions and comprehensive risks with a deductible of $ 500.

Companies evaluated for Louisiana were Allstate, Auto Club of Missouri, Geico, MetLife, Progressive, Safeway, Southern Farm Bureau, State Farm, Kemper, and USAA.

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