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 personalized 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.
Take advantage of 24/7 claims service, tools and tech designed to empower drivers to make smart choices, and a selection of discounts so good, you'd swear there was Voodoo involved.
"The customer staff are very caring. They answer questions promptly and have helped in all my inquiries."
— Linda K.
"Beat all other pricing while not making me sacrifice my personalized coverage."
— Douglas F.
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:
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).
Now, motorists in the Creole State can add renters coverage to their Esurance auto quotes and gain instant savings with our Renters Plus discount. Coverage for your rental property safeguards your belongings at or away from home, and can help prevent guests' medical bills from coming out of your pocket if they're injured on your property. It's one more smart way we help you reap some savings
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:
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.
Adding these extra protections can help you get the most out of your policy in the Pelican State.
Not sure what some of these mean to you? That's OK — Esurance's CoverageMyWay® uses smart technology while you're getting a quote to help you choose the car insurance coverage options that make the most sense for your life. That way, you're not left paying for the extras you may not want.
Esurance customers in your state can access auto insurance ID cards (and a bunch of other policy documents too) with our user-friendly mobile app.
This is especially awesome because Bayou State law allows you to pull up your proof of auto coverage on your phone tablet, or other smart device in case you get pulled over. (Next to the Cajun food, that's got to be one of the top benefits of Louisiana living.)
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.
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.
As of the 2010 census, Louisiana had nearly 107 people per square mile. The national average was about 89.5.
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.
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.
According to the Insurance Research Council, about 14 percent of drivers in Louisiana were uninsured in 2012. That was above the national average of 12.6 percent.
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.
Why insurance companies "total" cars
After an accident, sometimes your insurer will deem your ride a total loss. But why?
Tips for hurricane driving
Our blog helps you stay a step ahead of Mother Nature when Louisiana's hurricane season hits.