Louisiana Car Insurance FAQ - Quick Answers

The annual average cost of Louisiana car insurance is $1,774, coming in more expensive than the national average of $1,311 per year. If you're looking for the lowest auto insurance, connect with a local adviser for multiple quotes.

In Louisiana, you'll have car insurance coverages to choose from under the following limits:

  • Bodily injury liability: Pays for medical expenses of others.
  • Property damage liability: Pays for property damage of others.
  • Medical payments: Pays for your medical expenses.
  • Uninsured/underinsured motorist: Pays for an accident involving an uninsured/underinsured motorist.
  • Gap: Pays for the difference between your auto loan and the market value of a totaled vehicle.
  • Comprehensive: Pays for an unavoidable collision with an object or animal
  • Collision: Pays for a collision with a vehicle, object, or animal that could have been avoidable.
  • Roadside assistance: Pays for a tow or replacing a flat tire. 
  • Rental car: Pays for a replacement vehicle due to a covered claims.

Louisiana liability car insurance is what you must have in order to use the roadways. The amount of liability coverage is $15,000 in bodily injury per person, $30,000 in bodily injury per accident, $25,000 in property damage. 

In Louisiana, 13% of all drivers are uninsured. This means that you're at risk without uninsured motorist coverage, which helps protect you from an accident with an uninsured driver.

If you're searching for the best car insurance, there are numerous options. In Louisiana, Safeco, Stillwater, and Prime insurance companies are rated among the highest. These carriers are most known for their excellent claims service and broad coverage offerings.

In Louisiana, you are required to carry the state minimum liability limits in order to use the roadways. The least amount you must have is $15,000 per person/$30,000 per accident/$25,000 in property damage.

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Find the Best Car Insurance in Your City

How does your city measure up to the national average?

National average time spent commuting 26.9 Min

National average car thefts per 1,000 2.3 Year

National average car insurance cost $1,311 Year

CityCommute time (min)Auto thefts / 1,000Annual insurance cost
Abbeville25.50.17$1,657
Alexandria19.24.98$1,620
Baker250.76$2,002
Bastrop22.42.56$1,637
Baton Rouge21.33.62$2,043
Central31.40.69$1,824
Covington24.40.66$1,709
Lafayette21.22.53$1,683
Lake Charles17.22.9$1,980
New Iberia22.72.33$2,265
New Orleans24.27.48$2,170
Oakdale26.21.15 $1,711
Shreveport19.13.45 $1,533
West Monroe16.33.32$1,637

Bodily Injury Requirements in Louisiana

In Louisiana, you'll be required to carry the minimum bodily injury liability limits set forth by local law. While coverage is mandatory at the lower limits of $15,000 per person and $30,000 per accident, you may want more protection.

There are numerous options when it comes to selecting your coverage amounts. Bodily injury liability will help pay for the medical expenses of another driver when you're at fault, which can get pricey depending on the injury.

Property Damage Requirements in Louisiana

Property damage liability in Louisiana is another mandatory limit of protection. This coverage helps pay for any damage that the other party may sustain when you're at fault. 

In Louisiana, you'll be required to carry at least $25,000 in property damage liability to meet state guidelines. If you're found without proper protection, you could be on the hook for serious penalties.

Medical Payments Coverage Requirements in Louisiana

There are some states that require personal injury protection under your auto policy. Louisiana does not include this coverage under their minimum requirements. 

However, you can obtain a limit that does a similar thing and pays for your expenses when injured, called medical payments coverage. A variety of limit options can be purchased for an additional premium.

Uninsured Motorist Coverage in Louisiana

Uninsured motorist coverage in Louisiana is key to having complete protection for a loss. It helps pay for your injuries or vehicle damage when you're involved in an accident with an uninsured driver.

Some states require uninsured motorist coverage as part of their minimum limits, but Louisiana does not. When 13% of all Louisiana drivers are operating without auto insurance, it makes sense to be protected. 

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Optional Car Coverage in Louisiana

If you add collision insurance and comprehensive insurance to your Louisiana auto policy, you'll have full coverage for a loss and protection for damage to your vehicle. Optional coverages are necessary if you want to provide insurance for your belongings and injuries in the event of an accident.

Your car insurance won't come automatically with things like roadside assistance that provides coverage for a tow. Likewise, you'll have to add rental car coverage when you need a replacement vehicle due to a covered loss. Discuss which options make sense with a trained professional. 

Car Insurance Discounts to Consider in Louisiana

If you're searching for discounts on car insurance, there are numerous options that could apply. A reduction of 30% or more for having more than one policy with the same carrier is a common discount. 

Others that you could qualify for are association discounts when you're part of a teachers union, attorney group, or government agency. Another way to cut costs is by having a clean driving record and claims history to obtain the claims-free discount. 

How to File a Car Insurance Claim in Louisiana

When you need to report a car accident, it can be difficult to remember what to do. To keep it simple, take a peek at these 4 easy steps for filing a car insurance claim in Louisiana.

First, it's important that you seek any necessary medical attention and get to a safe place. Second, you'll want to call your independent agent to actually file the claim. Third, get the claims number from your agent and a rental vehicle if coverage allows. Last, schedule a time to meet with your adjuster and collect payment.