louisiana car insurance

Esurance proudly offers car insurance to motorists in Louisiana. If you're bayou-based, you're in the right place for policy info, insurance options, Esurance perks, and a little state trivia for good measure.

Louisiana car insurance basics

Louisiana drivers are legally required to carry liability insurance, which helps cover others' medical fees and property damage after an at-fault accident, with 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. You can opt for higher limits all the way up to 250/500/100 when you buy your policy.

No Pay, No Play law

Uninsured drivers in Louisiana are banned from suing an at-fault driver for post-accident expenses of less than $15,000 for injuries and $25,000 for property damage.

Esurance in Louisiana

We first offered car insurance to Louisiana drivers in 2007. Esurance customers can take advantage of the following Louisiana coverage options and perks.

Optional car insurance coverages

These policy add-ons can enhance the protection you get from your Louisiana car insurance:

Uninsured/underinsured motorist bodily injury coverage
Uninsured/underinsured motorist property damage coverage
Medical payments coverage
Comprehensive coverage (may be required by a lease or finance company, and required when collision is selected)
Collision coverage (may be required by a lease or finance company)
Loan/lease gap coverage
Customized parts and equipment coverage
Rental car coverage
Emergency road service

Esurance discounts available in Louisiana

Looking to buy an Esurance policy? Finding ways to save on your insurance can be easy thanks to these discounts:

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 discounts, give us a call at 1-800-ESURANCE (1-800-378-7262).

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 insurance rates

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

Population density

As of 2010, Louisiana had nearly 105 people per square mile. The national average was around 87. Because ZIP Codes are a rating factor, more drivers on the road can cause more accidents, which can drive rates up in certain areas. 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 car insurance rate.

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.

Ability to drive safely

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.

Esurance Car Insurance

louisiana car insurance