Louisiana Auto Insurance: 5,000+ Essential Facts You Need to Know

Louisiana Auto Insurance Law

Louisiana is a fault state, which means that the driver who causes an accident is liable for damages. This means that if you are in an accident in Louisiana, you will need to file a claim with the insurance company of the at-fault driver.

Louisiana has a minimum liability insurance requirement of $15,000 per person and $30,000 per accident. This means that you must have at least this amount of insurance coverage in order to drive legally in Louisiana.

In addition to liability insurance, you may also want to consider purchasing other types of auto insurance, such as collision insurance, comprehensive insurance, and uninsured/underinsured motorist coverage.

Louisiana Auto Insurance Rates

The average cost of auto insurance in Louisiana is $1,229 per year. This is higher than the national average of $1,034 per year.

There are a number of factors that can affect your auto insurance rates, including:

• Your driving record
• Your age
• Your gender
• Your vehicle
• Your location

Louisiana Auto Insurance Companies

There are a number of different auto insurance companies that operate in Louisiana. Some of the most popular companies include:

• State Farm
• GEICO
• Progressive
• Allstate
• Farmers Insurance

How to Find the Best Louisiana Auto Insurance

The best way to find the best Louisiana auto insurance is to shop around and compare quotes from different companies. You can do this online or through an insurance agent.

When comparing quotes, be sure to consider the following factors:

• The coverage you need
• The price
• The deductible
• The customer service

Louisiana Auto Insurance Glossary

Bodily injury liability insurance: This coverage pays for the medical expenses of people who are injured in an accident that you cause.

Collision insurance: This coverage pays for damage to your vehicle if you are in an accident.

Comprehensive insurance: This coverage pays for damage to your vehicle that is not caused by a collision, such as damage from theft, vandalism, or weather.

Deductible: This is the amount of money that you have to pay out of pocket before your insurance coverage kicks in.

Liability insurance: This coverage pays for damages that you cause to other people or their property.

Premium: This is the amount of money that you pay for your auto insurance policy.

Uninsured/underinsured motorist coverage: This coverage pays for your medical expenses if you are in an accident with an uninsured or underinsured driver.