Louisiana Car Insurance Calculator

The Louisiana Car Insurance Calculator allows you to compare quotes for auto insurance from multiple companies in your state. The more you compare, the better your chances of finding a policy with a good rate.

Louisiana’s Best Car Insurance Companies
The best car insurance companies in Louisiana offer solid coverage options, a high user rating on WalletHub, and a number of discounts for their customers. These include pay-in-full discount and discounts for telematics, which track your driving habits via smartphone apps.

Make and Model: The make and model of your vehicle can also impact your rates, especially if it’s more expensive to repair or replace. Generally, more expensive makes and models tend to have higher premiums.

Young Drivers: The safety record of drivers under 25 is a significant factor in determining your car insurance premium. If you’re a young driver, it’s best to take steps to improve your driving skills and avoid getting into an accident.

Credit History: Your credit score can also influence your car insurance rates in Louisiana. Those with poor credit are considered more risky to insure, and their premiums can be higher.

Minimum Liability Coverage: In most states, you’re required to purchase at least the state’s minimum liability level in order to drive legally. Alternatively, you can purchase additional coverage to meet your personal needs and budget.

Uninsured and Underinsured Motorists: About 11.7 percent of motorists in Louisiana are uninsured or underinsured, which can make your insurance policy more expensive. In addition, uninsured and underinsured drivers can be more likely to file claims for property damage or bodily injury in an accident.

Drivers with DUIs: Insurers in Louisiana charge more to insure drivers who are convicted of a DUI than they do to drivers who have never been convicted. If you’re convicted of a DUI, your car insurance premium will likely increase by 54%.

Insurers in Louisiana offer a range of different options for teen drivers, so it’s important to shop around and get quotes from several companies to find the right fit. These companies will consider factors such as your driving record and age when calculating your rates, so be sure to check the fine print carefully before signing any contract.

Your car’s make and model can also affect your auto insurance rates. For example, sports cars can be more expensive to insure than less-expensive vehicles.

Choosing the best coverage for your vehicle can help you protect yourself from unforeseen accidents, theft, vandalism, or weather damage. Depending on your needs, you can choose between comprehensive and collision insurance. It’s also a good idea to purchase medical payments insurance, which can be an affordable add-on.