Auto Insurance in Louisiana (LA)
Factors Affecting Auto Insurance in Louisiana
There are many factors that contribute to the auto insurance costs in Louisiana. For instance, as a result of Hurricane Katrina, policyholders in the southeast part of the United States made about 674,000 claims on their auto insurance for damaged or destroyed vehicles, at a total cost to insurers of about $3.2 billion. Louisiana drivers already paid car insurance rates above the national average due to a higher average of accident rates, as well as the disinclination of drivers in the state to wear their seat belts. As a driver in Louisiana, the amount you pay for your car insurance is affected by these facts, as well as more personal factors, such as your marital status, your age, and what kind of car you drive.
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Auto Insurance Requirements in Louisiana (LA)
In Louisiana, you are legally required to carry the following minimum amounts of auto insurance:
- $10,000 of bodily injury coverage per injured person
- $20,000 of bodily injury coverage per accident
- $10,000 for property damage liability
As these are minimum requirements, you should consider purchasing more. If you cause an accident resulting in serious injuries and damage, or if you become the target of a lawsuit, the costs can be much higher, the minimum coverage illustrated above will not adequately cover your costs. Most insurance companies recommend carrying higher levels of coverage as well as optional types of coverage to make sure that your family’s home and financial security are safe.
Auto Insurance Discounts in Louisiana (LA)
Military personnel on active duty who are stationed in Louisiana may be entitled to a discount on their auto insurance. Other discounts may be available to farmers, senior citizens, and members of certain professional organizations.
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Auto Insurance Providers in Louisiana (LA)
The following companies offer auto insurance in Louisana:
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Get More Information on Auto Insurance in Lousiana (LA)
For more information on The address for the state’s department of motor vehicles is:
Office of Motor Vehicles
7979 Independence Blvd.
Baton Rouge, LA 70806
You can also look up information online at:
www.omv.dps.state.la.us
*Auto Insurance Options is a free information resource that provides content on auto insurance products and policies for informational purposes only, but is not an agency or insurer. Products and policies may not be available in all states.
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