Louisiana Automotive Insurance

Mandeville | Covington | Madisonville | New Orleans | Baton Rouge | Houma

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Mandeville | Covington | Houma | Madisonville

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If you find your self in need of car insurance, boat insurance, or motorcycle insurance, we'll get you the best rate out there!
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Car Liability Insurance

Why You Need It

Car insurance policies are made up of different types of coverage that offer different forms of protection. Liability coverage pays for the costs of property damage and bodily injury that you cause to another driver and their vehicle. For example, if you’re at fault for an accident, liability coverage may cover:
  • The medical expenses of the other driver or their passengers if they’re injured in the accident
  • Cost of property damage and repairs to the other driver’s vehicle
  • Legal fees if the other party sues you

Minimum Car Insurance Requirements in Louisiana

These limits are often referred to as 15/30/25 coverage.

Coverage Type Minimum Limits
Bodily Injury Liability (per person) $15,000
Bodily Injury Liability (per accident) $30,000
Property Damage Liability $25,000
While these are the legal minimums, many drivers choose higher coverage limits to better protect their assets in a serious accident.
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Types of Auto Insurance in Louisiana

Which One is Best for You?

Uninsured Motorists

Adding this type of coverage to your automotive policy protects against the injuries you, your family, or your passengers might suffer in a hit-and-run accident or in an accident with an uninsured vehicle. Uninsured motorist insurance can be a lifesaver if you're in an accident with an uninsured motorist, which has a high chance of happening in Louisiana, given how many people drive without proper or any insurance at all.

Collision Coverage

When you have collision coverage, your insurer pays you without regard to fault for damage to your car. This covers when you hit a stationary object or another vehicle.

Comprehensive Coverage 

Under comprehensive coverage, your insurer pays you, without regard to fault, for damage to your car from all causes, other than collision, such as theft (of the car itself or its parts), fire, flood, windstorm, glass breakage, vandalism, hitting or being hit by an animal, by falling or flying objects or if your car is stolen. Generally, this coverage is provided until the time the company makes an offer to settle your claim.

Medical Payments Coverage

This insurance pays (without regard to fault) medical expenses for you and anyone riding in the car with you if an accident occurs involving your vehicle.

Why Many Louisiana Drivers Choose Higher Coverage

The state’s minimum limits may not fully cover the costs of a serious accident. Medical bills, vehicle repairs, and lost income can quickly exceed minimum policy limits. 

Many drivers choose coverage like:
  • 100/300/100 liability limits
  • Uninsured motorist protection
  • Collision & comprehensive coverage

Factors That Affect Car Insurance Rates in Louisiana

Your Louisiana auto insurance premium depends on several factors:
  • Driving history and accidents
  • Age and driving experience
  • Vehicle type and value
  • Location within Louisiana
  • Credit-based insurance score
  • Coverage limits and deductibles
Drivers who maintain safe driving records and good credit often qualify for lower premiums.

Why Choose Our Louisiana Auto Insurance

For over 20 years, my team and I have help drivers across Louisiana find affordable, reliable coverage with:

✔ Competitive insurance rates
✔ Flexible coverage options
✔ Fast online quotes
✔ Local insurance expertise
✔ Friendly customer support

Whether you need minimum liability coverage or full coverage auto insurance, we make it easy to get insured quickly.
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Louisiana Car Insurance FAQS

Is Car Insurance Required in Louisiana?

Yes. Louisiana law requires all drivers to carry liability insurance with minimum limits of 15/30/25 for bodily injury and property damage. 

What Happens if You Drive Without Insurance in Louisiana?

Drivers without insurance may face:
  • Fines
  • License Suspension
  • Vehicle Impoundment
They may also face restrictions on recovering damages under the No Pay, No Play law. 

What is Full Coverage Car Insurance?

Full coverage typically includes:
  • Liability insurance
  • Collision coverage
  • Comprehensive coverage
  • Uninsured motorist coverage
This combination protects both your vehicle and other drivers.

How Much Car Insurance Do I Really Need?

The legal minimum may not cover major accidents. Many financial experts recommend higher liability limits (such as 100/300/100) to better protect your assets.

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