By Veronica Moss | Licensed Agent at Learnandserve.org | Powered by A Plus Insurance
- Louisiana Liability Insurance
- Understanding Louisiana Insurance Laws
- Cost for Liability only in Louisiana (by city)
- Is Louisiana a No-Fault State?
- Cheap Insurance In Louisiana: Is Liability Only Enough Coverage?
- Should I upgrade to full coverage in Louisiana (by city)
- Should I add Uninsured Motorist Coverage to My Louisiana Liability Insurance Policy?
- Louisiana Liability Insurance Sample Rates
- Louisiana Liability Insurance Average Cost
- Insurance Cost Estimator
- How to Get Cheap Insurance In Louisiana with Discounts
- Who has the lowest liability price in Louisiana (by city)
- INSURANCE SERVICES WE OFFER
- OTHER LOUISIANA INSURANCE GUIDES
Understanding Louisiana Insurance Laws
No matter how badly you might want cheap insurance in Louisiana, you must be in compliance with the Louisiana insurance laws in order to drive legally on the road.
If you are caught driving without at least the state minimum required liability limits, you could be slapped with a hefty fine, have your car impounded, or your driver’s license revoked.
The bare minimum liability requirements for Louisiana are as follows:
| Louisiana State Minimum | Personal Injury Protection? | Medical Payments? | Uninsured Motorist Coverage |
|---|---|---|---|
| 15/30/25 | Not Required | Not Required | Not Required |
Liability Car Insurance Limits: How to read
When you see the liability limits written as 15/30/25, these are called split limits. These are the amounts you must be able to pay out to the other party in case you are found liable or at fault. Each number represents the required amount of coverage necessary in order to be compliant with Louisiana insurance laws:
$15,000 coverage required for bodily injury, per person.
$30,000 coverage required for bodily injury, per accident/maximum amount that the insurance company will pay in total for entire cost of injuries if you are at fault.
$25,000 coverage required for property damage.
Cost for Liability only in Louisiana (by city)
| City | Price |
|---|---|
| Zachary | $87.00 |
| Slidell | $107.00 |
| River Ridge | $108.00 |
| Raceland | $101.00 |
| New Iberia | $103.00 |
| Youngsville | $104.00 |
| Rayne | $109.00 |
| Pineville | $88.00 |
| Gardere | $104.00 |
| Bogalusa | $102.00 |
| Baker | $87.00 |
| Hammond | $91.00 |
| Central | $108.00 |
| Eunice | $92.00 |
| Bayou Cane | $106.00 |
| West Monroe | $97.00 |
| Lacombe | $94.00 |
| Terrytown | $110.00 |
| Estelle | $100.00 |
| New Orleans | $87.00 |
| Claiborne | $94.00 |
| Donaldsonville | $100.00 |
| Fort Polk South | $97.00 |
| Luling | $86.00 |
| Denham Springs | $110.00 |
| Lake Charles | $108.00 |
| Bossier City | $94.00 |
| Ruston | $94.00 |
| Woodmere | $88.00 |
| Laplace | $91.00 |
| Breaux Bridge | $93.00 |
| Westwego | $105.00 |
| Carencro | $98.00 |
| Bayou Blue | $92.00 |
| Natchitoches | $92.00 |
| Chalmette | $99.00 |
| Opelousas | $93.00 |
| Prien | $105.00 |
| Harvey | $101.00 |
| Scott | $99.00 |
| Sulphur | $96.00 |
| Morgan City | $91.00 |
| Prairieville | $95.00 |
| Abbeville | $89.00 |
| Waggaman | $88.00 |
| Houma | $98.00 |
| Gretna | $104.00 |
| Monroe | $103.00 |
| Marrero | $88.00 |
| Bastrop | $96.00 |
| Lafayette | $94.00 |
| Covington | $105.00 |
| Metairie | $100.00 |
| Alexandria | $104.00 |
| Shenandoah | $109.00 |
| Reserve | $106.00 |
| Moss Bluff | $104.00 |
| Merrydale | $89.00 |
Is Louisiana a No-Fault State?
Louisiana is NOT considered a no-fault state, rather, Louisiana is an at-fault (or tort) state.
Many people wonder whether or not their state is considered a no-fault or at-fault state (tort state).
A state that is considered a “tort” state or at-fault, means that drivers will be financially responsible for paying the other driver’s medical bills if they caused the accident.
In states that are considered no-fault states, everyone is required to carry personal injury protection coverage, and regardless of who is at fault, EVERYONE must file a claim with their own insurance company.
Since Louisiana is considered an at-fault state, many drivers consider adding on Medical payments coverage to their Louisiana liability insurance policy, even thought it’s not technically required.
Medical Payments Coverage/MedPay: This additional coverage (not required legally by the state of Louisiana) can help pay for medical bills and other medical expenses for yourself and any passengers in your vehicle, regardless of who is at fault. At the time of purchasing your policy, you would set a monetary amount which would be the amount used to cover medical expenses at the time of the claim.
Cheap Insurance In Louisiana: Is Liability Only Enough Coverage?
While many people’s first concern is about having a low monthly bill, it’s good to think about if your coverages are adequate.
Louisiana liability insurance might be more than enough for some drivers in the following instances:
- You work from home and only drive on rare occasions
- Your vehicle is older and the value isn’t worth paying a deductible for comprehensive and collision
- You don’t own a vehicle, and only borrow vehicles on occasion (consider a non owners or broad form policy if this is the case).
- You need the bare minimum insurance simply to get your license reinstated or need to add an SR22.
If however, you find the following scenarios to be your situation, you might want to consider adding full coverage, or at the very least upping your liability limits from the state minimum requirement.
- Your vehicle is new or has a high value
- You are leasing or have a lienholder on your automobile
- You drive often and find yourself putting high mileage on your vehicle
- You drive for a rideshare company like uber or lyft
- You use your vehicle for business purposes and need a commercial policy
Should I upgrade to full coverage in Louisiana (by city)
| City | Price |
|---|---|
| West Monroe | $151 |
| Oak Hills Place | $149 |
| Bossier City | $154 |
| Laplace | $154 |
| Broussard | $147 |
| Shreveport | $161 |
| Gonzales | $160 |
| Estelle | $171 |
| Slidell | $172 |
| Bogalusa | $152 |
| Zachary | $152 |
| Eunice | $147 |
| Moss Bluff | $177 |
| Opelousas | $169 |
| Sulphur | $159 |
| Terrytown | $154 |
| Kenner | $165 |
| Chalmette | $159 |
| Timberlane | $175 |
| Central | $160 |
| Ruston | $149 |
| Baton Rouge | $175 |
| Hammond | $154 |
| Marrero | $179 |
| Fort Polk South | $169 |
| Westwego | $158 |
| Morgan City | $147 |
| Bayou Blue | $160 |
| Crowley | $154 |
| Mandeville | $171 |
| Thibodaux | $152 |
| Woodmere | $152 |
| Prairieville | $179 |
| Rayne | $164 |
| Covington | $179 |
| Harahan | $150 |
| Lafayette | $148 |
| Prien | $180 |
| Bastrop | $166 |
| Claiborne | $169 |
| Gardere | $165 |
| Waggaman | $158 |
| Raceland | $182 |
| Lacombe | $158 |
| Gretna | $163 |
| Lake Charles | $174 |
| Harvey | $149 |
| Metairie | $177 |
| Alexandria | $157 |
| Jennings | $181 |
| Jefferson | $169 |
| Merrydale | $152 |
| Breaux Bridge | $146 |
| New Iberia | $156 |
| Denham Springs | $149 |
| Scott | $151 |
| Reserve | $161 |
Should I add Uninsured Motorist Coverage to My Louisiana Liability Insurance Policy?
As mentioned above, there are certain instances where extra coverage is not necessary, nor should be much of a concern.
However, while Louisiana does not legally require you to add uninsured motorist coverage or underinsured, it’s something to strongly consider.
First, what is Uninsured and Underinsured Coverage (UM/UIM)? This coverage is mandatory in many states, but Louisiana has not yet made it a requirement. UM/UIM helps provide coverage to the insured and anyone in the vehicle at the time of an accident, in the case of a hit and run, or if they are hit by someone without insurance or adequate coverage.
This coverage offers additional peace of mind, since you cannot control other drivers or their amount of insurance coverage.
The Chances You Are Taking without Uninsured Motorist Coverage
Nearly 15% of drivers in Louisiana do not have ANY insurance on their vehicle
40% of drivers in Louisiana only carry the state minimum liability insurance, which means they can only cover $15,000 per person for bodily injury costs, and $25,000 for property damage costs.
Louisiana Liability Insurance Sample Rates
So what does a Louisiana liability insurance policy look like?
With insurance, there is simply no one size fits all policy. There are numerous factors that determine what a person’s auto insurance rates will be. And one person’s insurance policy might look VERY different from another’s even with the same coverages.
However, across the board, liability only insurance will always be cheaper than full coverage. Here’s what that might look like:
| Auto Insurance Company | Avg. Monthly Rate Liability Only | Avg. Monthly Rate Full Coverage |
|---|---|---|
| Dairyland | $75 | $145 |
| Mendota Ins. Company | $88 | $135 |
| The General | $96 | $130 |
| AssuranceAmerica | $101 | $145 |
| National General | $104 | $140 |
| Progressive Insurance | $108 | $155 |
| Acceptance RTR | $111 | $145 |
| 21st Century | $119 | $140 |
| Bristol West | $124 | $160 |
| USAA | $126 | $140 |
| State Auto | $128 | $175 |
| Allstate | $129 | $160 |
| Nationwide | $132 | $145 |
| GAINSCO | $137 | $150 |
| Geico | $137 | $150 |
Louisiana Liability Insurance Average Cost
As mentioned above, there are many rating factors that will affect the cost of your insurance premiums.
For example, have you had continuous insurance without any lapse, your policy might be much less than someone who has not had any insurance in place over time.
Also, the value of your vehicle will greatly impact the amount of your insurance rates. Understandably, the higher the value, the higher your premium.
Even your age plays a big part in your rates. The younger you are, the higher your policy premium will be.
Take a look at our calculator below and estimate what your rates might look like:
Insurance Cost Estimator
How to Get Cheap Insurance In Louisiana with Discounts
If your situation or circumstances require you to have higher than what’s legally required, there are still many ways to lower your rates.
Even with full coverage or high liability limits, you can still have cheap insurance.
Insurance discounts make this a possibility, and some are discounts that almost anyone can qualify for such as the paperless or autopay discount.
Be sure to ask your insurance agent about the following discounts, and if you can add it to your policy:
| Progressive Insurance Discounts |
|---|
| No Accidents or Violations |
| Military |
| Multi Vehicle |
| Paid in Full |
| Multi Policy |
| Homeowners |
| Married |
| Education Discount |
| Advanced Quote |
| Auto Pay |
| Paperless Discount |
| Continuous Insurance |
| Dairyland Insurance Discounts |
|---|
| Married |
| Multi Policy |
| Multi Vehicle |
| Auto Pay |
| Military |
| Paid in Full |
| Continuous Insurance |
| No Accidents or Violations |
| Homeowners |
| Travelers Insurance Discounts |
|---|
| Married |
| Auto Pay |
| Multi Vehicle |
| Homeowners |
| Multi Policy |
| Paid in Full |
| No Accidents or Violations |
| Continuous Insurance |
| The General Insurance Discounts |
|---|
| Married |
| Multi Vehicle |
| Auto Pay |
| No Accidents or Violations |
| Homeowners |
| Paid in Full |
| Continuous Insurance |
Who has the lowest liability price in Louisiana (by city)
| City | Best Carrier |
|---|---|
| Broussard | National General |
| Estelle | Farmers |
| Opelousas | Progressive |
| Central | Progressive |
| Minden | Progressive |
| DeRidder | Liberty Mutual |
| Bogalusa | Geico |
| Pineville | Progressive |
| Donaldsonville | The General |
| Jefferson | Geico |
| Harvey | Liberty Mutual |
| Hammond | Geico |
| Oak Hills Place | Geico |
| Belle Chasse | Geico |
| Carencro | Geico |
| Lafayette | The General |
| Metairie | Geico |
| Harahan | Geico |
| Waggaman | The General |
| Merrydale | The General |
| Covington | Farmers |
| Crowley | Progressive |
| Terrytown | Geico |
| Natchitoches | The General |
| Abbeville | Geico |
| Reserve | Liberty Mutual |
| Baker | Liberty Mutual |
| Bayou Cane | Farmers |
| West Monroe | Geico |
| Woodmere | The General |
| Breaux Bridge | Geico |
| Kenner | The General |
| Zachary | Progressive |
| Jennings | The General |
| River Ridge | Farmers |
| New Orleans | Progressive |
| Bastrop | Progressive |
| Destrehan | Progressive |
| Shreveport | National General |
| Marrero | Geico |
| Sulphur | The General |
| Thibodaux | Progressive |
| Baton Rouge | Progressive |
| Slidell | Progressive |
| Westwego | Farmers |
| Alexandria | The General |
| New Iberia | National General |
| Bossier City | Progressive |
| Gretna | Liberty Mutual |
| Prien | Progressive |
| Gonzales | Progressive |
| Lacombe | Geico |
| Laplace | Progressive |
| Eunice | Progressive |
| Scott | Liberty Mutual |
| Shenandoah | Dairyland* |
| Ruston | Bristol West |
| Mandeville | Geico |
| Lake Charles | The General |
| Fort Polk South | Farmers |
| Denham Springs | Liberty Mutual |
| Monroe | The General |
| Prairieville | Progressive |
| Raceland | The General |
| Youngsville | Geico |
| Chalmette | Progressive |
| Moss Bluff | Geico |
| Timberlane | Progressive |
| Morgan City | Progressive |
INSURANCE SERVICES WE OFFER
Homeowners Insurance
Homeowners, renters, and mobile home owners: make sure you have the protection you need.
OTHER LOUISIANA INSURANCE GUIDES
Your Complete Guide to Auto Insurance In Louisiana
Last Updated on by Alexis Karapiperis