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louisiana car insurance

Esurance proudly offers car insurance to motorists in Louisiana, and has since 2007. If you're bayou-based, you're in the right place for all the Louisiana auto insurance info you need.

By grabbing a Louisiana car insurance quote and starting a policy with Esurance, you'll be able to enjoy our first-rate coverage, plus all of the comforts that make us a trusted name in car insurance.

We're talking 24/7 service, award-winning online content meant to enlighten and empower drivers, and discounts so good at making your premium disappear, you'd swear there was Voodoo involved.

Louisiana car insurance discounts

We're all about making insurance as affordable as we can. That's why when you get car insurance in Louisiana from Esurance, you may qualify for these easy ways to save:

  • Multi-Car discount
  • Homeowners discount
  • Good Student discount
  • Switch & Save® discount
  • Fast 5® discount (for starting a quote online)
  • Paid-in-Full discount
  • Military discount

Discounts may vary. If you're already an Esurance customer and have any questions about your Louisiana discounts, give us a call at 1-800-ESURANCE (1-800-378-7262).

Louisiana auto insurance coverages

Required coverages

Car insurance in Louisiana must include liability insurance, which helps cover others' medical fees and property damage after an at-fault accident. Drivers must carry at least the following limits:

  • $15,000 in bodily injury liability coverage per person
  • $30,000 in bodily injury liability coverage per incident
  • $25,000 in property damage liability coverage per incident

In writing, these limits will often appear as 15/30/25. When you grab your Louisiana car insurance quote, you can opt for higher limits all the way up to 250/500/100.

Optional coverages

Adding these optional coverages can help you get the most out of your policy in the Pelican State.

  • Additional personal injury protection (APIP) coverage
  • Medical and funeral services payments coverage
  • Comprehensive coverage
  • Collision coverage
  • Towing and labor coverage
  • Rental car coverage
  • Customized parts and equipment coverage
  • Supplemental uninsured/underinsured motorist bodily injury (SUM) coverage
  • Basic economic loss coverage

Make car repairs a breeze with Esurance RepairView®

If you're an Esurance customer and you get into an accident, take your car to one of our Esurance-approved service shops in Louisiana. You can directly email the shop to ask questions, get repair updates, and take advantage of RepairView, which lets you monitor your car as it gets fixed.

Find a repair shop in Louisiana.

State trends that can affect Louisiana car insurance rates

Where you live can have an impact on what you pay for car insurance coverage. The following figures reveal some risks faced by the average Louisiana driver.

Population density

As of the last census, Louisiana had nearly 105 people per square mile. The national average was around 87.

On one hand, you can pat yourself on the back for being part of such a happening state (we'll wait). On the other hand, because more drivers on the road can mean more accidents, Louisiana car insurance rates can go up in areas where population density spikes.

Don't worry too much — your driving record and plenty of other factors can help bring your premium down.

Claim type and frequency

Louisiana has a high number of bodily injury claims. And since bodily injury claims tend to cost more, on average, than property damage claims alone, this could affect your Louisiana car insurance rates.

Uninsured drivers

In a 2011 study from the Insurance Research Council, 13 percent of drivers in Louisiana were uninsured in 2009. That's slightly below the national average of 13.8 percent, which could lower Louisiana car insurance rates in some areas (huzzah!).

Driving safety

Louisiana had 15.62 driving-related deaths per every 100,000 people in 2010, roughly 5 more than the national average (which was 10.63).

Hurricanes and tropical storms

Between 2000 and 2010 alone, Louisiana faced 12 tropical cyclones (the most in Louisiana in any decade over the last 150 years). And according to NASA, Louisiana (along with Florida and Texas) sees not only the highest number of hurricanes in the U.S. but also the most intense.

And of course, intense storms can damage cars rather easily. Hurricane Katrina left roughly 22 million tons of debris, including more than 350,000 flooded, abandoned cars.

Related links

Esurance Coverage Counselor®
This online tool can help you build a Louisiana policy that meets your needs.

Tips for hurricane driving
Our blog helps you stay a step ahead of Mother Nature when Louisiana's hurricane season hits.

Wonder if you could be saving on car insurance?

Get your free quote online

or call 1-800-378-7262