Louisiana Auto Insurance

Louisiana auto insurance laws are fairly straightforward. But you still need to take a close look at your policy details and the premium you pay. You could probably save plenty.

This guide:

  • Explains Louisiana car insurance regulations and requirements

  • Describes how Louisiana auto insurance rates are decided

  • Shows you how you can save money by comparing multiple quotes

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Louisiana car insurance laws

Louisiana is a tort state, which means that drivers are financially responsible for the damage and injury they may cause during an auto accident. Liability coverage helps insure you against these costs, and it is required in Louisiana.

Louisiana auto insurance laws require liability coverage of 10/20/10. (That's $10,000 per person for injuries you cause to the other party, up to $20,000 for all, and $10,000 for any damage that you cause to the other driver's car and/or property.)

However, these are only minimums, and higher levels of protection are strongly recommended if you have any assets. After all, accidents can get very expensive, especially if injury is involved.

Louisiana auto insurance companies will also offer optional coverages such as medical payments, collision, comprehensive, and uninsured and underinsured motorists coverage. We recommend carrying the same levels of un/underinsured motorist coverage as you do liability.

How Louisiana auto insurance rates are set

The price of Louisiana auto insurance is decided by the behavior of all the state's drivers as a whole. Louisiana auto insurance companies take the cost of insuring Louisiana drivers (this includes what they pay out for injury and damage, legal and administrative fees, and the cost of prosecuting insurance fraud) and divide it up among the drivers.

But the cost isn't spread around evenly. Instead, Louisiana car insurance providers calculate how much a certain "category" of driver costs them, and decide premiums based on that. The "category" you're in is decided by your driving record, your age, where you live, and the kind of car you drive, among other things.

Of course, not all auto insurance providers use the same categories and calculations, so the same set of characteristics (yours!) will be seen very differently by different insurance companies. And they'll quote you different rates.

What this means for you, as an Louisiana driver, is that you need to shop around. It's the fastest easiest way to save on a Louisiana auto insurance policy.

Fortunately,shopping around is easy to do online.

Where you can get Louisiana auto insurance quotes.

The following web sites will help you find Louisiana car insurance quotes: (these links will open in a new window)


  • ComparisonMarket is the best online insurance shopping service, and it is the place to visit first when you're looking to save $$$ on top-rated coverage.

  • Netquote is a great service that provides quotes from local agents in your area who can help you design a policy tailored to your specific needs, and possibly save you even more.

  • Get quotes using your ZIP Code! You'll find insurers who offer quotes tailored specifically to your area:

To speed things up, you may wish to have some of the information needed for an online quote ready before you begin.

More LA car insurance advice and help

If you want more help designing your LA auto insurance policy, read our guide to setting safe and reasonable car insurance coverage levels. It contains a lot of money saving advice too.

To find out more about LA auto insurance laws and regulations, visit the official website of the Louisiana Department of Insurance.

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