Best Louisiana Auto Insurance in 2024 (Check Out the Top 10 Companies)
When seeking the best Louisiana auto insurance, State Farm, Allstate, and Progressive lead the pack with rates starting at $33 per month. These top companies provide comprehensive coverage and excellent customer service. Compare Louisiana car insurance quotes to find the coverage that suits your needs and budget.
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Travis Thompson
Licensed Insurance Agent
Travis Thompson has been a licensed insurance agent for nearly five years. After obtaining his life and health insurance licenses, he began working for Symmetry Financial Group as a State Licensed Field Underwriter. In this position, he learned the coverage options and limits surrounding mortgage protection. He advised clients on the coverage needed to protect them in the event of a death, critica...
Licensed Insurance Agent
UPDATED: Sep 13, 2024
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Advertiser Disclosure: We strive to help you make confident auto insurance decisions. Comparison shopping should be easy. We are not affiliated with any one auto insurance provider and cannot guarantee quotes from any single provider. Our partnerships don’t influence our content. Our opinions are our own. To compare quotes from many different companies please enter your ZIP code on this page to use the free quote tool. The more quotes you compare, the more chances to save.
Editorial Guidelines: We are a free online resource for anyone interested in learning more about auto insurance. Our goal is to be an objective, third-party resource for everything auto insurance related. We update our site regularly, and all content is reviewed by auto insurance experts.
UPDATED: Sep 13, 2024
It’s all about you. We want to help you make the right coverage choices.
Advertiser Disclosure: We strive to help you make confident auto insurance decisions. Comparison shopping should be easy. We are not affiliated with any one auto insurance provider and cannot guarantee quotes from any single provider. Our partnerships don’t influence our content. Our opinions are our own. To compare quotes from many different companies please enter your ZIP code on this page to use the free quote tool. The more quotes you compare, the more chances to save.
On This Page
Company Facts
Full Coverage for Louisiana
A.M. Best Rating
Complaint Level
Pros & Cons
Company Facts
Full Coverage for Louisiana
A.M. Best Rating
Complaint Level
Pros & Cons
Company Facts
Full Coverage for Louisiana
A.M. Best Rating
Complaint Level
Pros & Cons
The best Louisiana auto insurance can be found with State Farm, Allstate, and Progressive with rates starting at $33 per month. State Farm is the top pick, with affordable premiums and diverse policy options. Comparing auto insurance quotes ensures you get the best deal. Find out how much car insurance in Louisiana costs per month and save!
- Cheap Auto Insurance in Louisiana
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- Best Auto Insurance for Seniors in Louisiana (Top 10 Companies Ranked for 2024)
- Best Auto Insurance After a DUI in Louisiana (Top 10 Companies Ranked for 2024)
- Cheap Auto Insurance for High-Risk Drivers in Louisiana (Best 10 Companies for Savings in 2024)
- Best Pay-As-You-Go Auto Insurance in Louisiana (Top 10 Companies for 2024)
- Best Stonewall, Louisiana Auto Insurance in 2024
- Best Slidell, Louisiana Auto Insurance in 2024 (Top 10 Companies Ranked)
- Best Singer, Louisiana Auto Insurance in 2024
- Best New Orleans, Louisiana Auto Insurance in 2024 (Find the Top 10 Companies Here)
- Best Monroe, Louisiana Auto Insurance in 2024 (Find the Top 10 Companies Here)
- Best Hammond, Louisiana Auto Insurance in 2024
- Best Galliano, Louisiana Auto Insurance in 2024 (Your Guide to the Top 10 Companies)
- Best Deridder, Louisiana Auto Insurance in 2024
- Best Bastrop, Louisiana Auto Insurance in 2024
- Best Shreveport, Louisiana Auto Insurance in 2024
- Best Lafayette, Louisiana Auto Insurance in 2024
- Best Baton Rouge, Louisiana Auto Insurance in 2024 (Your Guide to the Top 10 Companies)
Our Top 10 Company Picks: Best Louisiana Auto Insurance
Company Rank Multi-Vehicle Discount A.M. Best Best For Jump to Pros/Cons
#1 15% B Online Convenience State Farm
#2 25% A+ Customizable Polices Allstate
#3 30% A+ Cheap Rates Progressive
#4 40% A+ Many Discounts Nationwide
#5 25% A++ Usage Discount Geico
#6 30% A++ Add-on Coverages USAA
#7 20% A Military Savings American Family
#8 15% A Student Savings Farmers
#9 30% A Accident Forgiveness Liberty Mutual
#10 20% A++ Local Agents Travelers
Our guide covers Louisiana’s auto insurance laws, rates, and coverage grace periods to help you find the best coverage. Start saving on your auto insurance by entering your ZIP code above and comparing quotes.
- Top Louisiana insurers offer competitive rates and comprehensive coverage
- Compare quotes for the best deal
- State Farm is the top pick, with affordable premiums and excellent service
#1 – State Farm: Top Overall Pick
Pros
- Extensive Coverage Options: State Farm offers a wide range of coverage options tailored to different needs.
- Strong Financial Stability: A financially stable company with a strong track record in paying claims promptly.
- Discount Opportunities: Numerous discounts available, including multi-policy and good student discounts. For discounts read our State Farm auto insurance discounts.
Cons
- Higher Premiums for Young Drivers: Young drivers may face higher premiums compared to some competitors.
- Variable Customer Service: Customer service experiences can vary depending on the local agent.
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#2 – Allstate: Best for Customizable Polices
Pros
- Highly Customizable Policies: Allstate offers extensive options to tailor policies to specific needs.
- Innovative Tools: Features like Drivewise reward safe driving with potential premium discounts. Learn more about their discounts in our Allstate auto insurance review.
- Strong Digital Presence: Easy access to policy management and claims via mobile app.
Cons
- Higher Premiums: Can be more expensive compared to some competitors, especially for full coverage.
- Complex Discounts: Some discounts may require enrollment in specific programs or conditions.
#3 – Progressive: Best for Cheap Rates
Pros
- Competitive Pricing: Known for offering some of the lowest rates in the market.
- Snapshot Program: Discounts available based on driving habits tracked through their Snapshot program.
- Strong Online Experience: Progressive auto insurance review boasts the company’s excellent online and mobile app experience.
Cons
- Customer Service Concerns: Some customers report issues with claims processing and customer service.
- Limited Local Agents: Relies more on online and phone support, which may not suit all customers.
#4 – Nationwide: Best for Many Discounts
Pros
- Wide Array of Discounts: Nationwide offers numerous discounts, including accident-free and defensive driving.
- Good Customer Service: Generally positive reviews for customer service and claims handling.
- Educational Resources: Provides tools and resources to help customers understand insurance options.
- Claims Service: Highly rated claims service. For more information, read our Nationwide auto insurance review.
Cons
- Higher Premiums: Premiums can be higher compared to discount-focused competitors.
- Coverage Options: Some policies may have less flexibility in coverage options compared to other providers.
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#5 – Geico: Best for Usage Discount
Pros
- Online Convenience: Geico excels in online policy management and customer service, offering easy access to account information and support.
- Fast Claim Processing: Known for its efficient and straightforward claims process, providing quick resolutions for policyholders.
- Wide Range of Discounts: As mentioned in our Geico auto insurance review, the company offers significant savings through innovative programs like DriveEasy and Pay-Per-Mile, which adjust premiums based on driving habits.
Cons
- Limited Local Agents: Geico primarily operates through direct sales channels and online interactions, which may not suit customers preferring face-to-face interactions with local agents.
- Potentially Higher Renewal Rates: Some policyholders report premium increases upon policy renewal, which can offset initial savings garnered from discounts.
#6 – USAA: Best for Add-on Coverages
Pros
- Comprehensive Coverage: Offers extensive coverage options tailored for military members and their families.
- Excellent Customer Service: As outlined in USAA auto insurance review, the company consistently receives high marks for customer satisfaction.
- Financial Stability: Known for its strong financial standing and reliability in paying claims.
Cons
- Membership Restrictions: Only available to military personnel, veterans, and their families.
- Limited Accessibility: Not available to the general public, limiting options for non-military individuals.
#7 – American Family: Best for Military Savings
Pros
- KnowYourDrive Program: Provides a usage-based insurance program that rewards safe driving habits with potential discounts based on driving behavior.
- Strong Financial Stability: The company has a strong financial stability rating, ensuring reliability in handling claims and financial commitments.
- Innovative Programs: Features like KnowYourDrive reward safe driving habits with potential premium reductions. (Read More: American Family Auto Insurance Review).
Cons
- Limited Availability: American Family’s coverage options may be limited in certain regions, affecting accessibility for potential customers.
- Mixed Customer Service Reviews: Customer reviews vary regarding satisfaction with claims processing and overall customer service experience.
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#8 – Farmers: Best for Student Savings
Pros
- Customizable Policies: Offers discounts and special rates for young drivers and students.
- Strong Claims Service: Highly rated for claims service. Check out this page Farmers auto insurance review to know more details.
- Local Agents: Strong network of local agents providing personalized service.
Cons
- Cost: Premiums may be higher compared to some competitors, especially for certain demographics.
- Claims Process: Some customers report challenges with claims processing and communication.
#9 – Liberty Mutual: Best for Accident Forgiveness
Pros
- Accident Forgiveness: Offers accident forgiveness, which means your rates won’t increase after your first accident, helping to keep premiums stable.
- Tech-Driven Tools: As mentioned in our Liberty Mutual auto insurance review, the company provides convenient online tools for policy management and claims filing.
- Strong Financial Stability: Liberty Mutual has a strong financial rating, ensuring they can handle claims effectively and reliably.
Cons
- Premiums Can Be Higher: Liberty Mutual’s premiums may be higher compared to some competitors, particularly for drivers with less favorable driving records or specific risk factors.
- Mixed Customer Service Reviews: Customer reviews vary regarding overall satisfaction with claims processing and customer service responsiveness.
#10 – Travelers: Best for Local Agents
Pros
- Variety of Coverage Options: Provides a range of coverage options, including standard policies and additional features like roadside assistance and rental car reimbursement.
- Strong Financial Ratings: As outlined in our Travelers auto insurance review, Travelers has strong financial stability ratings. A financially secure company with a strong track record.
- Local Agent Network: Travelers boasts a wide network of local agents, offering personalized service and support tailored to your specific needs.
Cons
- Limited Digital Tools: Some customers may find online and mobile services less robust compared to competitors.
- Higher Premiums: Premium rates may be higher compared to insurers with more discount-focused strategies.
Auto insurance rates in Monroe, LA can be affected by local factors such as traffic conditions and vehicle theft, leading to variations compared to nearby areas. For instance, the cost of auto insurance in Monroe may differ from auto insurance in West Monroe due to these regional influences.
Monroe, Louisiana Auto Insurance Monthly Rates by Provider & Coverage Level
Insurance Company | Minimum Coverage | Full Coverage |
---|---|---|
Allstate | $62 | $160 |
American Family | $61 | $157 |
Auto-Owners | $56 | $148 |
Farmers | $59 | $155 |
Liberty Mutual | $64 | $165 |
Nationwide | $57 | $145 |
Progressive | $55 | $140 |
Safeco | $60 | $152 |
State Farm | $60 | $150 |
Travelers | $58 | $170 |
To illustrate, monthly premiums for minimum coverage in Monroe range from $55 with Progressive to $64 with Liberty Mutual. For full coverage, the rates vary from $140 with Progressive to $170 with Travelers.
If you’re seeking the best rates, comparing auto insurance quotes in Monroe with those for auto insurance quotes in Slidell can help you find the most competitive options available. Gain deeper insights by perusing our article named, “Does auto insurance pay if my car is stolen?” Start saving on your auto insurance by entering your ZIP code below and comparing quotes
Cheapest Louisiana Auto Insurance Companies for Minimum and Full Coverage
For those seeking comprehensive protection, full coverage auto insurance offers extensive benefits following an accident but comes at a higher cost. Conversely, minimum coverage provides essential legal protection with lower premiums.
Monroe, Louisiana Auto Insurance Monthly Rates by Provider & Coverage Level
Insurance Company | Minimum Coverage | Full Coverage |
---|---|---|
Allstate | $62 | $160 |
American Family | $61 | $157 |
Auto-Owners | $56 | $148 |
Farmers | $59 | $155 |
Liberty Mutual | $64 | $165 |
Nationwide | $57 | $145 |
Progressive | $55 | $140 |
Safeco | $60 | $152 |
State Farm | $60 | $150 |
Travelers | $58 | $170 |
To manage costs effectively, consider getting auto insurance quotes in Bossier City or exploring options like auto insurance quotes in Houma and auto insurance quotes in Many. Comparing rates from leading providers, such as those offering auto insurance in Monroe, LA, or checking auto insurance quotes in Walker, can help you find the best balance between coverage and cost.
Additionally, reviewing auto insurance rates Monroe and auto insurance West Monroe LA can provide further insights. By examining these options, you can ensure you get the protection you need while staying within your budget. Explore further in our article titled “Cheap Auto Insurance After an Accident.” Get fast and cheap auto insurance coverage today with our quote comparison tool below.
Cheapest Louisiana Auto Insurance Companies
To find the cheapest car insurance in Louisiana, we’ve outlined multiple factors that affect car insurance rates and listed which insurance companies are the cheapest for each factor, from minimum coverage to young driver insurance.
Cheapest Louisiana Auto Insurance Company for Minimum Coverage
Drivers who wish to lower their insurance costs may opt just to carry minimum liability auto insurance, which all Louisiana drivers must carry to drive legally. This can be a good option for drivers with old cars that aren’t worth much, although drivers with newer, more expensive cars should consider full coverage.
Shopping around can make minimum insurance coverage cheaper, which leaves more room in your budget for full coverage.
Liability Auto Insurance Rates by Provider
Insurance Company | Monthly Rates |
---|---|
$61 | |
$44 | |
$37 | |
$53 | |
$30 | |
$67 | |
$44 | |
$39 | |
$33 | |
$38 | |
$22 | |
U.S. Average | $45 |
In Louisiana, Geico and USAA are some of the cheapest companies on average for minimum liability insurance. In contrast, the more expensive companies in Louisiana cost about $500 more than Geico and USAA. Learn more in our Geico auto insurance review.
Cheapest Louisiana Auto Insurance Company for Accidents
At-fault accidents on your record will raise your auto insurance rates in Louisiana, but how much they increase depends on your choice of insurance company. Below, you can see the average insurance rates in Louisiana after an at-fault accident.
Full Coverage Auto Insurance Monthly Rates: One Accident vs. Clean Record
Insurance Company | Clean Record | One Accident |
---|---|---|
$180 | $220 | |
$166 | $225 | |
$116 | $176 | |
$119 | $97 | |
$140 | $198 | |
$95 | $132 | |
$177 | $234 | |
$140 | $161 | |
$120 | $186 | |
$105 | $150 | |
$175 | $230 | |
$160 | $200 | |
U.S. Average | $123 | $172 |
Progressive and Allstate have some of the most expensive rates after an at-fault accident, costing thousands of dollars more than companies like USAA. One of the best ways to improve your rates after an at-fault accident is to keep a clean driving record. You will see your rates start to decrease each year you go accident-free, making it easier to get cheap auto insurance in Louisiana.
Find out more in our Progressive auto insurance review.
Cheapest Louisiana Auto Insurance Company for DUIs
DUIs are another infraction that will raise your insurance rates significantly. If your rate goes up by more than a few hundred, check to see if your insurance rates are still the cheapest.
The cost of car insurance between companies can range in price by thousands of dollars for drivers with a DUI. USAA has some of the cheapest rates for DUI drivers, as do State Farm and Geico.
Find out more in our USAA auto insurance review.
Cheapest Louisiana Auto Insurance Company for Drivers With Bad Credit
Bad credit leads to higher rates at most insurance companies, as bad credit indicates drivers are at a higher risk of not making payments. Missed payments can result in canceled insurance and driving without insurance, which is illegal. However, not all insurance companies will raise rates significantly for poor credit scores.
Full Coverage Auto Insurance Monthly Rates by Provider & Credit Score
Insurance Company | Good Credit | Fair Credit | Bad Credit |
---|---|---|---|
$135 | $165 | $245 | |
$166 | $197 | $296 | |
$116 | $136 | $203 | |
$95 | $115 | $175 | |
$140 | $161 | $269 | |
$82 | $100 | $148 | |
$177 | $226 | $355 | |
$120 | $133 | $166 | |
$109 | $138 | $206 | |
$91 | $118 | $200 | |
$120 | $155 | $230 | |
$107 | $128 | $194 | |
U.S. Average | $123 | $148 | $226 |
Geico and USAA have the cheapest rates, costing almost $10,000 less than companies like State Farm. If you find your rates have increased due to your credit score, work on improving your credit score and see if a different company will offer a better rate.
Cheapest Louisiana Auto Insurance Company for Young Drivers
If young drivers have to purchase their own insurance policy because they can’t stay on their parents’ insurance, then finding a cheap auto insurance company is vital. Young drivers pay thousands more than older drivers; due to their inexperience, insurance companies label young drivers as high-risk.
Teen Full Coverage Auto Insurance Monthly Rates by Provider, Age, & Gender
Insurance Company | Age: 16 Female | Age: 16 Male | Age: 18 Female | Age: 18 Male |
---|---|---|---|---|
$608 | $638 | $448 | $519 | |
$452 | $456 | $333 | $371 | |
$778 | $742 | $573 | $603 | |
$298 | $312 | $220 | $254 | |
$716 | $778 | $528 | $633 | |
$411 | $476 | $303 | $387 | |
$801 | $814 | $591 | $662 | |
$311 | $349 | $229 | $284 | |
$709 | $897 | $523 | $729 |
Young drivers should look into companies like USAA and Geico for insurance and avoid companies like Progressive in order to save thousands of dollars on auto insurance.
Cheapest Louisiana Auto Insurance Company by City
Another factor that can affect car insurance rates is which city you live in. Insurance companies assess risks based on weather, crime, crashes, and more.
Car insurance in New Orleans, LA has the most expensive rates of all cities in Louisiana, costing thousands of dollars more on average than cities like Shreveport. Read more about Shreveport, LA auto insurance. Get plenty of car insurance quotes in Louisiana for the best deal.
Louisiana Auto Insurance and DUI Laws
How much insurance you carry and any infractions like DUIs will affect your monthly insurance costs. Read on to learn about Louisiana’s insurance laws and DUI penalties.
Louisiana Auto Insurance Requirements
Every driver in Louisiana must carry property damage and bodily injury (BIL) liability auto insurance as part of Louisiana car insurance requirements. If you cause an accident, bodily injury liability pays for any injuries to other parties, and property damage liability pays for any damages to other parties property.
All drivers must purchase the following limits:
- Bodily Injury Liability Insurance: $15,000 per person and $30,000 per accident
- Property Damage Liability Insurance: $25,000 per accident
Read more about the best property damage liability (PDL) auto insurance companies.
Drivers should understand that meeting Louisiana's auto insurance requirements can greatly impact their insurance costs and financial liability, especially in DUI cases.Brad Larson LICENSED INSURANCE AGENT
These limits refer to the maximum amount your insurance will pay to other parties. So if you total another person’s car that is worth $30,000, your insurance will only pay $25,000 for damages, leaving you liable for the rest. So, we highly recommend drivers carry more than the minimum amount required in their state.
Optional Auto Insurance Coverages in Louisiana
While lenders require drivers with leases or loans on their cars to carry comprehensive or collision insurance, the following coverages are optional in Louisiana.
- Comprehensive: Comprehensive auto insurance helps if your car is damaged in a non-accident-related event, like severe weather or vandalism.
- Collision: Collision auto insurance helps pay for repairs if your car is damaged in an accident. Without collision coverage, you may have to pay for repairs to your vehicle out of pocket.
- Gap Coverage: Gap insurance helps pay the difference between what you owe on your car and what your car is actually worth after depreciation.
- Medical Payments (MedPay): MedPay pays for medical bills, doctor’s visits, and other medical costs associated with a covered event.
- Roadside Assistance: Roadside assistance coverage helps if your car breaks down and you’re in need of certain assistance, like fuel services or flat tire repair.
- Uninsured/Underinsured Motorist Coverage: Uninsured motorist (UM) coverage allows you to be reimbursed after an accident by your own insurance company if the at-fault individual doesn’t carry proper Indiana-mandated liability coverage.
- Rental Car Reimbursement: Rental car reimbursement coverage pays for the cost of a rental vehicle up to a certain amount if your car is in the shop due to a covered event.
If you can afford to add optional coverages to your policy, we highly recommend carrying comprehensive and collision insurance. These coverages will pay for damages to your car after an accident.
DUI Penalties in Louisiana
If you get a DUI in Louisiana, your insurance company will raise your rates to compensate for you now being a high-risk driver. However, you will also face the following penalties in Louisiana, all of which will cost you time and money.
- Fines
- Ignition Interlock Device (IID)
- Jail Time
- License Suspension
- Probation and Substance Abuse Treatment
- SR-22 Certificate
Penalties will increase in severity with each DUI, so a driver’s first DUI will be much less severe than a driver’s third DUI.
SR-22 Auto Insurance in Louisiana
Cheap SR-22 insurance isn’t a type of insurance, but rather a certificate your insurance company provides the state with that proves you are carrying the necessary insurance. If you are currently insured, you can request that your insurance company file the SR-22 certificate.
However, some insurance companies may drop you if you have to file an SR-22 certificate, as you are a high-risk driver. If you have to apply to new insurance companies for insurance, they may charge a fee to file the SR-22 insurance.
In addition, if you don’t own a car, you will still need to purchase non-owner insurance to apply for the mandated SR-22 in Louisiana. Generally, non-owner car insurance is cheaper than standard coverage.
If you're borrowing a car🚗, the owner's insurance will likely cover you. But if you frequently drive a car not in your name, you may need a different plan 💡to ensure you're covered. https://t.co/27f1xf1ARb has provided an informational guide here👉: https://t.co/mw0HlAO68e pic.twitter.com/DTDvADITAx
— AutoInsurance.org (@AutoInsurance) September 12, 2023
So, you may find it easier to find cheap insurance in Louisiana when shopping for non-owner insurance.
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Find the Cheapest Auto Insurance in Louisiana Today
Find the cheapest Louisiana auto insurance by comparing quotes from the best auto insurance companies. While rates will be more expensive for drivers with DUIs, at-fault accidents, and other infractions on their driving records, comparing companies can save drivers money. Read more about auto insurance for drivers with a bad driving record.
Unveiling the Cost of Auto Insurance in Your City
Examine the varying costs of auto insurance in Louisiana cities. The table below highlights rates in Bastrop, Hammond, Shreveport, Baton Rouge, Lafayette, Singer, Deridder, Monroe, and Slidell.
Louisiana Auto Insurance Cost by City
Bastrop, LA | Hammond, LA | Shreveport, LA |
Baton Rouge, LA | Lafayette, LA | Singer, LA |
Deridder, LA | Monroe, LA | Slidell, LA |
Galliano, LA | New Orleans, LA | Stonewall, LA |
Start saving on auto insurance in Louisiana by entering your ZIP code into our free quote comparison tool for the cheapest rates in your area.
Frequently Asked Questions
What factors affect auto insurance rates in Louisiana?
Several factors that affect auto insurance rates in Louisiana, including your driving history, age, location, the type of vehicle you drive, and the coverage limits you choose.
Which company has the cheapest auto insurance in Louisiana?
Some of the cheapest auto insurance companies in Louisiana are USAA and Southern Farm Bureau. However, the best company for you depends on your individual driver profile and coverage needs. So, it’s important to shop around and get quotes for the best car insurance in Louisiana.
How much is car liability insurance in Louisiana?
Liability insurance in Louisiana has an average of $40 per month.
How much is car insurance in Louisiana per month?
Full coverage car insurance in Louisiana is an average of $275 per month. Get started on comparing full coverage auto insurance rates by entering your ZIP code below.
Why is Louisiana auto insurance so expensive?
Auto insurance quotes in Louisiana are higher than the national average since Louisiana poses a higher risk for flooding and other factors. Expect to pay higher insurance rates in Louisiana, even if you buy a policy from one of the cheapest companies.
What is the minimum auto insurance in Louisiana?
All drivers must carry bodily injury and property damage liability insurance to follow Louisiana auto insurance laws. Not carrying these Louisiana auto insurance coverages can result in fines, SR-22 insurance, suspended licenses, and more.
Is Louisiana considered a no-fault state?
No, Louisiana isn’t a no-fault state. So, the driver who caused the accident is responsible for other drivers’ medical and property damage bills. Read more about how to sue a driver who is uninsured.
How can I find the best auto insurance rates in Louisiana?
To find the best auto insurance rates in Louisiana, it’s important to compare quotes from multiple companies. Each company evaluates risk factors differently, so shopping around can help you find the most affordable car insurance in Louisiana.
If you’re just looking for coverage to drive legally, enter your ZIP code below to compare cheap auto insurance quotes near you.
Is there a Louisiana auto insurance grace period?
There is a Louisana auto insurance grace period of 7 to 30 days.
Is it illegal to not have auto insurance in Louisiana?
Yes, all Louisiana drivers must carry the minimum auto insurance required in Louisiana. Driving without auto insurance is a violation of auto insurance laws in Louisiana.
However, you have a Louisiana auto insurance grace period of 7 to 30 days in most cases.
How does a DUI affect auto insurance rates in Louisiana?
A DUI conviction typically leads to significantly higher Louisiana car insurance rates. Drivers with a DUI on their record may see their premiums increase substantially due to the increased risk they pose to insurers.
Free Auto Insurance Comparison
Enter your ZIP code below to view companies that have cheap auto insurance rates.
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Travis Thompson
Licensed Insurance Agent
Travis Thompson has been a licensed insurance agent for nearly five years. After obtaining his life and health insurance licenses, he began working for Symmetry Financial Group as a State Licensed Field Underwriter. In this position, he learned the coverage options and limits surrounding mortgage protection. He advised clients on the coverage needed to protect them in the event of a death, critica...
Licensed Insurance Agent
Editorial Guidelines: We are a free online resource for anyone interested in learning more about auto insurance. Our goal is to be an objective, third-party resource for everything auto insurance related. We update our site regularly, and all content is reviewed by auto insurance experts.