Kenner Car Insurance
Find the right car insurance policy for you.
Written by
Ann Herro has been writing about insurance and employee benefits for over 15 years. She has covered topics as easy as insuring a car, and as difficult as transparency in healthcare costs.
Kenner, Louisiana is the seventh-largest city in the state and is the largest incorporated suburb of New Orleans. Kenner has a population of over 66,000 residents who travel along busy, congested roadways every day. Whether you’re traveling westbound on Interstate 10 or using a local road like Williams Blvd. to head south through the city, you can be involved in a crash at any time.
Car insurance helps you recover financially after an auto accident. It pays for repairs to damaged cars, and can even help you replace a totaled vehicle. And if you’re at fault, it can help you reimburse other drivers for any vehicle damage or injuries that you caused. Local independent insurance agents make shopping for the right car insurance policy easy. They can work with multiple insurance companies, so you can compare quotes and make sure you are getting the high-quality, best-value coverage you desire.
Louisiana Car Insurance Requirements
The state of Louisiana requires all vehicle owners to have a minimum amount of coverage, including:
- 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
Car insurance protects you from the financial consequences of a car accident. Auto liability coverage, which pays for car repairs and medical bills for other drivers if you cause an accident, is required for all drivers in Louisiana. But the minimum coverage required by the state probably won't be enough after a serious crash. Talk to your insurance agent about the importance of purchasing higher liability insurance limits than what is required by the state. If you don’t have enough coverage, you’ll have to pay out-of-pocket for all of the expenses that exceed your policy limits. And if you’re sued for additional damages, you’ll probably have great difficulty covering the costs.
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How Much Does Auto Insurance Cost in Kenner, LA?
Car insurance can be expensive in Louisiana. In fact, it is the 4th most expensive state for car insurance.
- National average annual car insurance cost: $1,311
- Louisiana average annual car insurance cost: $1,774
- Kenner average annual car insurance cost: $1,774
Car insurance is a necessity for Kenner drivers, and average rates in the city are similar to the state average. But that doesn’t mean you should pay more than necessary to cover your family. Your car insurance costs are based on your unique characteristics, such as where you live, the make and model of your car, and how far you drive to work or school every day. By evaluating quotes from multiple insurance companies, you can be sure you are picking the best coverage for your needs, at the right price. An independent insurance agent can tell you about the cost and coverage options that are available to you and can help you find ways to save.
Number of Uninsured Motorists in Louisiana
Driving without car insurance is against the law in Louisiana. Unfortunately, many residents drive without the required coverage.
- How many US drivers are uninsured? 12.6%
- How many Louisiana drivers are uninsured? 13.0%
Drivers without insurance cannot pay for accidents that they cause. That means that other drivers on the road are financially responsible for an uninsured driver’s mistakes. Uninsured motorist coverage pays for medical bills and vehicle damage if an uninsured driver hits you. In some states, uninsured motorist insurance is required for all drivers. It is not required in Louisiana.
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Number of Auto Thefts in Louisiana
The auto theft rate across the state of Louisiana is lower than the national average. Kenner also has a relatively low auto theft rate.
- National auto theft rate per 1,000 vehicles: 2.94
- Louisiana auto theft rate per 1,000 vehicles: 2.21
- Kenner auto theft rate per 1,000 vehicles: 2.01
Cars are relatively safe from auto theft in Kenner, but that doesn’t mean you should let your guard down or go without appropriate insurance coverage. Remember, cars can be stolen anywhere. No matter where you live, be sure to use common-sense deterrents to protect your car from theft. If you have a Kenner auto insurance policy, be sure to select comprehensive coverage so you can be reimbursed if your car is stolen, vandalized, or damaged by circumstances other than being in a collision (falling tree, storm damage, etc.) An independent insurance agent in Kenner can help you review the cost to include this coverage in your policy.
Why Contact an Independent Insurance Agent?
Independent insurance agents can get quotes from multiple insurance carriers so you have a variety of affordable options. Independent agents can assess your risks and answer your questions so you can find the coverage that best fits your needs and budget.
Contact an insurance agent in or near Kenner to start comparing customized car insurance quotes.
http://www.naic.org/prod_serv/AUT-PB-14.pdf
http://www.city-data.com