If you are buying Louisiana auto insurance or need free auto insurance quotes, then you are at the right site. Learn about Louisiana’s financial responsibility law and how much insurance you need. Also, learn the right information about auto insurance policy basics, premium discounts and tips to help you save on your next policy and get a free insurance quote now.

State Auto Insurance Minimums

Louisiana’s financial responsibility law through the Office of Motor Vehicles requires drivers to have liability auto insurance minimums. Drivers need insurance on themselves and insurance on their vehicles or to register a vehicle. Louisiana financial responsibility law requires the following liability insurance minimums of:

  • $15,000 bodily injury per one person
  • $30,000 per accident
  • $25,000 in property damage. Drivers do not have to have uninsured or underinsured motors coverage.

Drivers also must carry an insurance policy information card a proof of financial responsibility and compliance with Louisiana’s financial responsibility law. Also, drivers are required to provide their insurance policy information card to law enforcement when asked.If you do not have minimum auto insurance, you can lose your driver’s license, license plates and vehicle. If you do not have minimum coverage for more than ten, (ten) days of the cancellation, the state can make you pay to reinstate your driver’s license. Renew your policy before cancellation.

SR22 Insurance

If you do not have minimum coverage or break DUI laws, you can be required to buy SR22 insurance. SR22 insurance is expensive insurance for high risk drivers. SR-22 requirements require your insurer to report your insurance status to the office of Motor Vehicles. Avoid not having minimum coverage or a DUI and you avoid high premiums.

Premium Factors To Lower Premiums

1. Buy Your Insurance From One Insurance Company. One way to help lower your premiums is to buy all your coverage from one company. In addition to your auto policy, buy additional coverage like your truck, motorcycle, personal watercraft, home, medical and commercial insurance from the same company. You will get discounts and lower rates.

2. Ask Your Agent About Discounts and Your Driver’s Record. Ask your agent about policy discounts. For example, safe drivers have lower risk and save money. Also, ask your agent if you can lower your premiums with higher deductibles. Ask about discounts for safe drivers and drivers without car insurance claims.

Ask your agent for a copy of your driver’s record. Make sure their record is correct and right.

Free Louisiana Auto Insurance Quotes.

1. Enter your zip code on the form at the top or bottom of our site and click Enter. Click on one or more of the companies for a free insurance rate quote.

2. Learn about the different quotes, deductible and coverage. Get more than one free quote and compare quotes for the best option.

3. You can buy or shop for your policy online or, call an agent or company and buy later. Ask about coverage, discounts, deductibles and ratings and pay less than the average car insurance premium.

Tip: Searches in Louisiana include New Orleans auto insurance quotes, Baton Rouge auto insurance quotes, Shreveport auto insurance quotes, Metairie auto insurance quotes, and Lafayette auto insurance quotes.