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The Pelican State
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There are so many ways that Louisiana is unique from the rest of the nation. From its Napoleonic code and blend of Creole and Cajun influences to its deep Southern roots and Bayou lifestyle, Louisiana isn't just a state. It's a state of mind. Unfortunately, this one-of-a-kind way of living comes with a price. Louisiana leads the nation in terms of how much its drivers pay for Auto Insurance. Louisiana Car Insurance can put a strain on the bank accounts of many residents in the Pelican State.
Luckily, our agents are here to help you find adequate coverage at an affordable rate. Auto Insurance rates in Louisiana can vary more than you might think from one insurance company to another. That’s where Auto Insurance Specialists come in!
Try our simple form for an AIS Instant Quote®. This quote will be a range of our Auto Insurance partners' rates for the coverage you select, and you’ll even be able to pick the price you like, too.
State law in Louisiana mandates that every person who owns and operates a vehicle must always possess a Liability Insurance policy in good standing. This type of Auto Insurance is designed to safeguard drivers from incurring large expenditures from injuries and property damage sustained in an auto accident that they cause. Simply put, if someone else is hurt and/or their vehicle (or other property) is damaged because of an accident for which you are responsible, they can file a claim against your Liability coverage, and your insurer will reimburse them up to your policy's limits.
To learn more about specific Auto Insurance coverage, visit our Car Insurance Coverage page.
Drivers in Louisiana may not be fully protected from fiscal troubles if they only purchase the minimum Auto Insurance required by state law. For this reason, insurers in Louisiana offer several types of optional coverage that can help minimize the chances of being hit with expensive property damage or medical costs.
Below are some examples you may want to consider:
*Although Collision coverage and Comprehensive coverage are not required by law, they may be required in your car loan or lease contract with the lender.
If you have questions about how you can benefit from any of these optional coverages, a qualified AIS Insurance Specialist would be happy to answer them. Even though you don't need to buy these policies to comply with the law, many Louisianans find that they are valuable in protecting their assets.
If you drive a car that tends to be targeted for theft, you could see higher Auto Insurance rates for your vehicle. In 2017, these were the top 10 cars that were stolen in Louisiana according to www.nicb.org:
Licensed Drivers in Louisiana
If you want to save money on your Auto Insurance in Louisiana, your best bet is to look for discounts that you may qualify. Most insurers offer discounts for a wide variety of reasons, and you could possibly see savings of hundreds of dollars a year on your premium.
Here are some examples of popular Auto Insurance discounts:
To learn more about specific discounts, visit our Discounts page.
There's nothing quite like life in Louisiana. However, between unpredictable weather, busy highways, and long and winding rural roads, perils await Louisiana drivers almost everywhere. As a result, you need to be prepared and compliant to the state law by acquiring an Auto Insurance policy that protects you from financial ruin. Our Insurance Specialists at AIS have the skills and expertise to find you an affordable Auto Insurance policy that suits your needs. If you love the drive in the Pelican State, let AIS get you a Louisiana Car Insurance policy that protects your vehicle and your family.
Start a Louisisana Auto Insurance Quote Today: (888) 772-4247 | Get Online Quote
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A great 450 feet high, the Louisiana State Capitol building in Baton Rouge is the tallest in the nation.
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Louisiana Department of Insurance
Louisiana Department of Motor Vehicles
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