Every person is unique
The right auto insurance policy can help get you back on the road quickly if your car is damaged or destroyed by an accident, fire, theft, or other event covered by your insurance policy. Your policy may also provide protection against medical and legal expenses resulting from injury, loss of life, or property damage caused by an accident involving your vehicle.
An auto insurance policy is a contract between you and an insurance company. You pay a premium and in exchange, the insurance company promises to pay for specific car-related financial losses during the term of the policy. We can help you determine the best coverage for your needs.
Which auto insurance is right for you?
Our professional agents understand the car insurance needs of our customers.
Auto insurance requirements in Louisiana:
Louisiana state law requires you to carry a minimum amount of car insurance. Failure to do so can result in severe penalties that may include monetary fines and jail time. Under Louisiana’s tort system, you may also be liable for actual damages (expenses associated with property damage and medical costs), economic damages (lost wages and earning capacity), and emotional and physical pain and suffering.
The bare minimum car insurance requirement for Louisiana drivers is:
- $15,000 bodily injury per person per accident
- $30,000 bodily injury for all persons per accident
- $25,000 property damage liability
- $1,000 medical payment coverage
- $15,000/$30,000uninsured/underinsured motorist coverage
Medical payment coverage can be rejected if you prefer not to purchase it. Louisiana does not require you to carry additional coverage such as personal liability or Collision and Comprehensive. However, if you own property or other valuable assets, supplementing the minimum requirements can help you protect yourself from monetary loss.