Louisiana, known for its delicious cuisine, jazz music and lively nightlife scene is also home to some of the nation’s highest car insurance premiums. There are ways you can lower your rates though; start by shopping around and comparing quotes; however there may also be personal factors which have an effect.

Age and driving record can make a dramatic impactful difference on what type of coverage is right for you and its costs. Drivers with good records typically pay lower premiums; conversely, those who have been charged with DUI or speeding tickets could pay much more.

As with liability car insurance, the amount you choose to carry in terms of liability car insurance coverage is also essential. While you’ll likely need to meet state minimum requirements of 15/30/25 in order to drive legally, adding collision and comprehensive protection could add extra protection and peace of mind.

Your car type and location also play a significant role in your auto insurance rates. For example, our research revealed that an average rate for a 30-year-old male single driver living in Hornbeck was more than double what would have been charged him in New Orleans – or $1,4666 annually!

Louisiana is an at-fault car insurance state. This means that one party in an accident will be found to have caused it, and will therefore be responsible for covering all damages as per Louisiana state law.

Maintain a spotless driving record is of vital importance, since any DUI or speeding ticket could severely hamper both your driving abilities and insurance costs. Furthermore, your coverage could even be denied completely if this occurs.

Reduce your rates by maintaining a clean driving record and adding other drivers who are lower risk. Teen drivers, in particular, tend to cost more due to inexperience and statistical likelihood of getting into an accident; but by including them on your policy with clean records you could save a bundle.

Finding affordable car insurance in Louisiana requires shopping around. By using our online car insurance calculator, you can instantly see how the cost of your premium changes based on factors like driver profile, vehicle, coverage level and driver history. Once this data has been entered, compare rates from top providers in Louisiana to find a plan that meets your budget; additionally you can learn about their customer service ratings to help decide on an insurer who meets them best.