Protect Your Vehicle with Top-Rated Louisiana Car Insurance
Discover TWFG Landeche Insurance for Comprehensive Louisiana Car Insurance
Mandatory Car Insurance in Louisiana
In Louisiana, car insurance isn't just a necessity—it's a legal requirement. Ensuring you have adequate insurance protects not only your vehicle but also your assets in case you are deemed at fault in an accident. At TWFG Landeche Insurance, we simplify the process of finding the right car insurance to meet state requirements and your personal needs.
Average Costs of Auto Insurance in Louisiana
Louisiana ranks among the top five most expensive states for car insurance, with average costs around $2,225 per year, or $186 per month. Despite high rates, opportunities to lower your premiums include good driver discounts, bundled policy discounts, and improving your credit score.
Why Car Insurance is Expensive in Louisiana
Factors contributing to high rates include a significant percentage of uninsured drivers (11.7%), a high frequency of auto accident lawsuits, and less than ideal road conditions. Additionally, fewer insurance companies in the state mean less competition and higher prices.
Minimum Coverage Requirements
Louisiana law requires drivers to have minimum coverages: $15,000 per person and $30,000 per accident for bodily injury, $25,000 for property damage, $1,000 in medical payments coverage, and uninsured motorist coverage at $15,000 per person and $30,000 per accident.
Recommended Coverage for Louisiana Drivers
Given the high rate of uninsured drivers and the potential cost of accidents, we recommend considering more than just the minimum liability insurance. Options such as uninsured motorist coverage, collision coverage, and comprehensive coverage can offer greater protection. These cover damages from a variety of risks, including accidents, natural disasters, and theft.
Special Insurance for Ride-Share and Delivery Drivers
If you drive for Uber, Lyft, or any delivery service, standard auto insurance may not suffice. Special policies that cover these activities can prevent costly out-of-pocket expenses in the event of an accident while working.
Get Customized Car Insurance Today
Don’t just search for "car insurance near me" — choose TWFG Landeche Insurance for tailored policies that match your needs and budget. Protect yourself adequately before hitting the road. Call us at 504-228-7184 to discuss your insurance options or to get a quote tailored to your specific circumstances.
