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Louisiana Car Insurance

Reliable car insurance gives you peace of mind by protecting you from accidents, damage and unexpected events. With the right coverage, you can enjoy exploring Louisiana, knowing you're prepared for whatever comes your way.

Amica offers customized car insurance quotes that allow you to tailor your coverage with comprehensive protection backed by personalized service. Don’t settle for a one-size-fits-all approach when it comes to protecting yourself and your family on the road. Instead, take the time to get a customized quote that meets your unique coverage needs.

Louisiana’s auto insurance requirements

In Louisiana, drivers are required to carry the following minimum liability coverage limits for auto insurance:

  • Bodily Injury Liability Coverage:
    • $15,000 per person
    • $30,000 per accident
  • Property Damage Liability Coverage:
    • $25,000 per accident

Bodily injury liability coverage: This coverage protects you financially from claims of bodily injury that you’re responsible for causing to someone else in an auto accident. This can include things such as medical expenses, pain and suffering, and lost wages. Your policy may also pay legal defense costs to defend you if you’re sued. Coverage is subject to limitations and exclusions.

Property damage liability coverage: This coverage is for damage to someone else’s property that you’re responsible for causing in an auto accident. It can apply to the damage of the other person’s vehicle as well as to other damaged property, such as fences or other structures. Your policy may also pay legal defense costs to defend you if you’re sued. Coverage is subject to limitations and exclusions. 

In addition to the minimum liability coverage requirements, Louisiana mandates coverage for uninsured bodily injury and medical payments, with the following minimum limits:

  • Uninsured Motorist Bodily Injury Coverage
    • $15,000 per person
    • $30,000 per accident
  • Medical Payments Coverage
    • $1,000 per person

Uninsured motorist bodily injury coverage: Provides protection if you’re injured in an accident caused by a driver who’s uninsured or doesn’t have enough coverage to pay for your medical bills and other expenses.

Medical payments: This coverage can help pay for medical expenses for you and your passengers if you’re injured in an accident, regardless of fault. Medical payments coverage can apply to expenses including ambulance rides, hospital stays, surgery and rehabilitation. 

It’s important to understand that these are just the minimum requirements, and Louisiana drivers may choose higher coverage limits for added protection.

Additional Louisiana car insurance coverages

Opting for additional auto insurance coverage beyond state-mandated minimums can provide invaluable protection in various scenarios. It’s not only a wise choice for safeguarding your finances and assets, but may be required coverage if you lease or finance your car. Here are some additional coverages you might consider:

  • Comprehensive (other than collision): Provides coverage for damage to your vehicle caused by things other than a collision. It includes damage from falling trees or rocks kicked up by other cars.
  • Collision coverage: This coverage can help pay for repairs to your car if it’s damaged in a collision with another vehicle or object.
  • Rental reimbursement: Coverage for transportation costs if your vehicle needs repairs after an accident. It covers rental cars, ridesharing or public transportation like trains, taxis and buses.
  • Auto loan/lease coverage: Covers the difference between what you owe on your loan or lease and the current value of your vehicle if it’s totaled in a covered accident.
  • Roadside assistance: 24/7 roadside assistance for issues you may encounter on the road like changing flat tires, jumping dead batteries, towing your car, unlocking car doors and getting your car unstuck from the mud.
  • Repairing or replacing auto glass: Coverage for repair or replacement of your windshield, windows and other auto glass, without a deductible.

Understanding rate factors for Louisiana auto insurance

There are several factors that impact auto insurance in Louisiana, including individual circumstances, location, weather patterns and more. Here are some key points to consider:

  • Driving history: Driving records play a considerable role in determining your car insurance rates in Louisiana. Drivers with a history of accidents or traffic violations may pay higher rates than those with clean records. 
  • Coverage options and limits: Choosing the minimum state-required coverage is typically more affordable, while adding optional coverages with higher limits will result in higher premiums.
  • Vehicle type: The car’s safety ratings, repair costs and likelihood of theft are all considered when determining your Louisiana car insurance rates.
  • Claims in Louisiana: Higher rates of accidents, thefts or other incidents may lead to higher premiums for all drivers in the area.

It’s important to know that auto rates change over time for a number of reasons. Some of those reasons, like your driving record and claim history, are within your control, while others, like industry repair rates and claim frequency in your area, are not. If your auto rates increase, you may be able to mitigate the increase by adjusting your coverages or deductible, or qualifying for policy discounts.

Save more with Louisiana car insurance discounts

Amica offers various auto insurance discounts to help policyholders save money on their premiums.1 Here are some discounts that Louisiana drivers may be eligible for:

  • Discounts for family
    • Young driver training: We offer discounts for drivers under 21 who complete an accredited driver training program.
    • Good student: Policies with full-time high school or college students, ages 15-25, with a “B” average or higher are eligible for our Good Student Discount.
  • Discounts for how you drive
    • Accident-free: Get an auto insurance discount when you’ve been claim-free for the past three years. 
    • Defensive driver training: Taking an approved driver safety course can earn you a discount.
  • Discounts for your car’s systems
    • Forward-collision warning: We’ll reward you for keeping your car safe with forward-collision warning.
    • Adaptive headlights: If your car is equipped with adaptive headlights, you may be eligible for a discount.
  • Discounts for how you pay
    • AutoPay: Simplify your payment experience with AutoPay to earn even more savings.
    • Paperless: Get a discount when you sign up to receive policy documents and bills electronically.
    • Paid in full: Save money when you pay the entire balance of your Louisiana policy premium up front.

If you’re a Louisiana driver in need of both auto and home insurance coverage, it’s worth exploring options for bundling policies to maximize your savings. When you bundle auto and home insurance with Amica, policyholders can save up to 20% with a multiline discount.1

Facts and figures about Louisiana

Fun facts about Louisiana:

  • The Lake Pontchartrain Causeway in Louisiana is the longest continuous bridge over a body of water, measuring just under 24 miles in length.2
  • The New Orleans and Carrollton Railroad, currently known as the St. Charles Streetcar Line, has been operating since 1835. It is the oldest continuously operating streetcar line in the U.S. and one of the oldest in the world.2
  • Louisiana is known as “The Pelican State.” The pelican has been a symbol of Louisiana for a long time, with the Eastern Brown Pelican designated as the official state bird. The Louisiana flag depicts a pelican feeding its young.2

Facts about driving in Louisiana:

  • In Louisiana, painted curbs denote parking restrictions. White indicates areas for short stops, yellow designates loading zones and other specific restrictions, blue is reserved for handicap parking and red signifies fire zones.3
  • Louisiana law prohibits individuals under 17 from using handheld devices while driving and prohibits individuals of any age from texting while driving.3
  • First-time driver's license applicants must provide proof of driver education training as required by law. The course can be taken at a public or private institution, with different requirements based on the applicant's age.3

How to get car insurance in Louisiana

We’re here to guide you through the process of personalizing your car insurance in Louisiana. Here’s how to secure your policy in three easy steps:

  1. Assess your coverage needs: 

    An Amica representative can provide guidance and help you navigate your options to find the right coverage for your needs.

  2. Discover potential discounts:

    A representative can also assist you in exploring potential discounts or cost-saving measures available to Louisiana drivers based on your unique circumstances.

  3. Get a quote:

    Amica offers convenient options for getting a quote. You can either get an auto insurance quote online or call 800-242-6422 today to speak with a representative.

With Amica, Louisiana drivers can hit the road with confidence, knowing they’re prepared for any situation that may arise.

Get an auto insurance quote

or call 833-513-3881

1 Discounts not available in all states and may vary.
2 100 Fascinating Facts About Louisiana
3 Louisiana Class D & E Driver’s Guide
 

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