Louisiana drivers must carry car insurance, with an annual premium that averages $887 annually; that figure represents almost 45% more expensive full coverage car insurance premiums compared with their national counterparts.
Louisiana car insurance costs vary significantly based on several factors, including age, driving record, location and coverage level. Teen drivers’ premiums tend to be higher due to inexperience behind the wheel and increased accident risk; similarly male drivers tend to incur higher rates than their female counterparts on account of being more reckless drivers on the road.
Car insurance prices depend on your provider, with some offering lower rates than others. Some of Louisiana’s leading car insurers include GEICO, Allstate and State Farm; to get an instant quote simply enter your ZIP code here, select coverage type/amount options you wish to view rates for and narrow your options further by choosing vehicle or driver profile options.
Finding the appropriate car insurance in Louisiana is key, and adding uninsured motorist coverage or medical payments coverage could be beneficial. But ultimately, what determines your rates most of all is your driving history: being convicted of serious offenses like DUI can significantly raise rates; additionally insurers have the ability to cancel policies if the premium payments fail or you commit violations such as driving while impaired.
If you wish to remain with your current provider, there are various measures you can take to keep rates lower. Paying your premium in full and avoiding traffic violations are effective ways of doing this, while having good credit and installing anti-theft devices in vehicles are other effective approaches to help bring costs down.
As well as these essential tips, to find the best car insurance deal in Louisiana you will need to shop around. The Zebra’s car insurance comparison engine allows you to quickly and easily see rates from top carriers tailored to your exact profile.
While there are various factors that affect your rate, three of the most critical are your credit score, driving record and vehicle. Below is a table detailing how some of the state’s most popular cars impact car insurance premiums in each state. Insurance premiums will increase according to the cost of maintaining or replacing your car, which in Louisiana are the Ford F-150 pickup truck and Chevrolet Tahoe SUV as popular choices for repair or replacement. Car insurance rates in Louisiana tend to be reasonable with these vehicles due to their ease of repair and reasonable parts costs, keeping costs within reason. Exotic cars such as Lamborghini Aventador and BMW M4 tend to attract higher insurance premiums because these models tend to be harder and costlier to repair; their parts also cost more.