Louisiana Car Insurance

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Here's what you need to know...
  • Louisiana law requires drivers to carry car insurance
  • The low legal requirements in Louisiana aren’t sufficient for you to be adequately protected
  • All the national insurance companies offer plans in Louisiana, as do several local companies

Looking for the best Louisiana car insurance rates?

Read on to learn how to find cheap LA car insurance rates and then be sure to use our free quote finder to do a car insurance comparison with many top Louisiana auto insurance companies online!

Louisiana Car Insurance Requirements


The state of Louisiana has one of the lowest minimum requirements for car insurance of all the states that have insurance laws.

There are only two states without insurance laws (New Hampshire and Wisconsin), and the majority of the other 47 states have higher minimum requirements than what is mandated in Louisiana.

According to the Louisiana Department of Insurance, drivers must have coverage that includes 15/30/25. This translates to:

  • $15,000 per person injury coverage
  • $30,000 per accident injury coverage
  • $25,000 per accident for property damage

Louisiana Car Insurance Rates

Understanding LA car insurance rates is a matter of taking the time to get quotes and see what your options are.

With car insurance, there are so many individual factors that influence your decision that you cannot find an “average” or a “typical” cost for insurance in the state.

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Every person has different elements that affect their rates. The common factors that determine how much you pay include:

Louisiana Car Insurance Coverage Amounts


Minimum Louisiana auto insurance coverage is effective enough, but not usually sufficient in the event of major accidents. While the property damage limit is quite high, the injury coverage required will not provide much assistance.

$15,000 and $30,000, respectively, might seem like pretty high amounts. However, medical bills add up quickly and these numbers don’t provide a lot of protection.

For just a few more dollars each month, you can double or triple that coverage, allowing yourself to be better insured and at less risk of being sued.

People can, and will, sue you for being underinsured if you are at fault and cannot provide adequate compensation for their injuries or property damage.

Louisiana Car Insurance Providers

There are over 100 insurance companies in Louisiana, and more than half of them sell car insurance. That means that you have plenty of options to choose from, including big-name companies like Progressive, Allstate, Farmers, State Farm, and AIG.

Look for a Louisiana insurance company that has quality service and who will be there for you. Compare the costs of their insurance to what kind of coverage you get, and then choose the one that has the best coverage and service for the money.

Enter your zip code in now to start comparing Louisiana car insurance quotes!

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