Finding cheap car insurance in Louisiana can be challenging as the Pelican State has some of the highest auto insurance rates in the nation. Louisiana's high rates stem from lawsuit-friendly laws, frequent weather events, and urban congestion. However, smart shopping can still yield significant savings.
Louisiana's unique legal system and weather risks create a challenging insurance market. Understanding how Louisiana car insurance works helps you navigate your options effectively.
Louisiana Car Insurance Requirements
Louisiana requires minimum liability coverage of 15/30/25—$15,000 for bodily injury per person, $30,000 for bodily injury per accident, and $25,000 for property damage. These are relatively low minimums, but many drivers need higher limits.
Louisiana's lawsuit-friendly environment means bodily injury claims can be expensive. Many experts recommend higher liability limits than the state minimums for adequate protection.
What Affects Louisiana Car Insurance Rates
Your location within Louisiana significantly impacts your car insurance rates. New Orleans and Baton Rouge have the highest premiums due to traffic, theft, and lawsuit frequency. Rural areas have somewhat lower rates.
Hurricane risk significantly affects comprehensive coverage in coastal Louisiana. Flooding is also a major concern that impacts Louisiana auto insurance rates, though flood damage requires separate coverage.
How to Save on Louisiana Auto Insurance
Comparing quotes from multiple insurers is essential for finding cheap car insurance in Louisiana. Given the state's high rates, shopping around can save you hundreds annually.
Take advantage of Louisiana's discount opportunities including safe driver, multi-policy, good student, and defensive driving discounts. Consider usage-based insurance if you don't drive frequently.