The state of Louisiana requires all vehicle owners to carry car insurance. At a minimum, your policy must include liability insurance, which is designed to cover third-party injuries or property damage if you cause an accident. If you are caught driving without insurance in this state, you can be hit with fines between $500 and $1000, face the suspension of your driving privileges, and have your car impounded.
Vehicle owners in Louisiana pay an average of $1,774 per year for their car insurance coverage. This is significantly higher than the national average of $1,311 per year. That’s why it’s so important to work with an independent agent. Independent agents work with multiple companies to get you the best insurance for your money. Costs are calculated individually, so your actual rate may be higher or lower than this amount depending on several factors like your vehicle's make, model, and year, your age, occupation and driving record, whether you own or rent your home, your claims history, and even your credit score.
My rates were getting too high with my previous insurer, so I researched alternatives. I found TrustedChoice.com, and liked what I saw, so I gave them a call. They were able to find me multiple agents that were able to provide me coverages with rates that were much lower than what I was paying. I made my decision, and will always recommend them.Mike of Lake Charles, LA Consumer Affairs
In Louisiana, all car insurance policies are required by law to include liability insurance. Other coverage options, such as collision and comprehensive coverage, are not required by the state, but are usually required by lenders if you have financed or leased your vehicle. You can expect a typical Louisiana car insurance policy to include the following:
New vehicles depreciate in value quickly. If you currently owe more for your car than it is worth, gap insurance can provide an added layer of protection in the event that your vehicle is totaled. Talk to your local independent agent to learn more.
There are currently 421 independent insurance agents in Louisiana who are ready to help you find the best auto insurance policy. These agents are free to work with several different insurance providers, so they can provide you with a variety of customized car insurance quotes. Let a local independent agent help you find the most competitively priced policy to meet all your auto coverage needs.