Alexandria Car Insurance

Everything You Need to Know About Car Insurance in Alexandria, LA

Alexandria is the parish seat of Rapides Parish, and as part of the Alexandria metropolitan area, the roadways can be quite congested at times. This increases the risk of a collision when driving. Whether you are driving to one of the area’s many parks or taking a weekend drive down to New Orleans, if you own a vehicle in this state, you need to have car insurance that meets or exceeds Louisiana’s mandated coverage minimums. When you compare Alexandria, LA auto insurance quotes from at least three competing providers, you can be certain that you are not overpaying for the policy you choose.

Finding great insurance at an affordable price is easy when you work with one of the many independent insurance agents in the Trusted Choice® network. These agents can provide you with a selection of competitively priced Alexandria car insurance quotes from a number of reputable insurers. They can also explain your coverage options and answer any insurance-related questions you may have. Find a Trusted Choice agent in or near Alexandria to learn more.

  • National average cost per year: $1,311
  • Louisiana average cost per year: $1,774
  • 4th most expensive auto premium in U.S.

Auto insurance rates in Louisiana are significantly higher than the national average, which makes comparison shopping to save money even more important. Of course, the rates listed above are just meant to give you a general idea of what you might expect to pay. Actual rates vary significantly from one person to the next because each insurance company calculates rates according to a number of different variables. Some factors an insurance company might take into consideration include the following:

  • Where you live (ZIP code)
  • How often you drive your vehicle
  • How many miles you drive per year
  • Make, model and year of the vehicle(s) you wish to insure
  • Age, sex and marital status of all licensed drivers in your household
  • Driving record and claims history of all licensed drivers in your household
  • Amount of liability insurance you wish to purchase
  • Coverage options you wish to include with your policy
  • Deductible amount you are requesting

Each insurance company has its own unique way of assessing risk and assigning rates. Therefore, comparison shopping puts you at an advantage by allowing you to choose the policy that provides the best value for your money.

Louisiana Car Insurance Requirements

  • Bodily injury liability: required
  • Property damage liability: required
  • Personal injury protection (PIP): not required
  • Uninsured motorist coverage: not required
  • Minimum liability limits: 15/30/25 - Coverage up to $30,000 for all persons injured in an accident, subject to a limit of $15,000 for one individual, and $25,000 coverage for property damage.

These minimums are enough to cover your liability in most vehicular accidents. But a major collision that involves severe injuries or property damage can easily exceed these limits, and you are responsible for making up the difference. You can protect your assets by purchasing coverage with higher liability limits.

Failure to carry auto insurance that meets or exceeds Louisiana’s minimum coverage requirements can result in fines from $100 to $700 as well as reinstatement fees, the amount of which are dependent on how long you have been without coverage. Additionally, insured drivers who cannot provide proof of coverage when asked can either have their vehicle impounded or may have their plates revoked and replaced with temporary plates that give them three days to provide proof that they have insurance.

Number of Uninsured Motorists in Louisiana

  • Number of uninsured U.S. drivers: 12.6%
  • Number of uninsured Louisiana drivers: 13.90%

Nearly one in seven drivers on this state’s roadways is driving illegally, i.e., not covered by insurance. If you are involved in a collision and the at-fault driver is uninsured, the driver is still responsible for covering your damage. Unless you have uninsured motorist coverage as part of your Alexandria car insurance policy, you need to go after this driver on your own, and it can often be difficult, if not impossible, to collect compensation.

If you have uninsured motorist coverage, your insurance company covers your damage and then attempts to collect funds from the offending driver on its own. This optional insurance also covers damage and injuries caused by hit-and-run drivers.

Number of Auto Thefts in Louisiana

  • National number of thefts per 1,000 vehicles: 2.94
  • Louisiana number of thefts per 1,000 vehicles: 2.06

The rate of car theft in the state of Louisiana is lower than the national average, but in Alexandria, the rate is rather high. In 2013, there were only a total of 189 reported auto thefts in this city. That equates to about 3.90 thefts per every 1,000 vehicles – nearly twice the state average.

You can reduce your risk of car theft by always leaving your vehicle locked, parking in well-lit attended lots when possible and using a car alarm or other theft deterrent. If your car is stolen, you will only receive compensation from your insurance company if your Alexandria car insurance policy includes comprehensive (“other than collision”) insurance. This insurance also covers damage caused by such hazards as falling objects, floods, vandalism and other noncollision damage.

Find the Best Alexandria Car Insurance Policy

If you are looking for an affordable Alexandria auto insurance policy that will provide the coverage you and your family need, you can benefit from working with an independent agent in the Trusted Choice network. These agents work with several different insurance companies so they can collect a variety of suitable policies and rates that you can compare.

In a state where insurance coverage is already very high, there is no reason why you should pay more than you have to for your auto insurance. There are several Trusted Choice agents located throughout the state of Louisiana, and some have offices in and around the city of Alexandria. Find an agent near you to learn more about your coverage options, and discover how easy it is to save money on your premiums by comparing Alexandria car insurance quotes. 

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