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Louisiana doesn’t mess around when it comes to auto coverage. You have to show proof of insurance when you apply and test for your driver’s license as well as when you register your vehicle.
Some LA auto insurers help you get cheap car insurance in Louisiana by offering a variety of discounts from good driver discounts and good student discounts to discounts for vehicle safety features and discounts for purchasing multi-line policies. As the broker writes your insurance policy, make sure to ask about these and more discounts.
One of the quickest ways to find cheap car insurance premiums in Louisiana is to purchase the state’s minimum liability coverage requirements.
Louisiana bases its liability requirements on each vehicle’s weight. If your vehicle weighs 20,000 pounds or less, you’ll need to purchase 10/20/10. (That means you’ll need $10,000 coverage for bodily injury per person and $20,000 per accident as well as $10,000 coverage for property damage.) If your vehicle weighs between 20,001 and 50,000 pounds you’ll need to purchase 25/50/25, or a single combination of $70,000 or more. If your vehicle weighs more than 50,000 pounds you’ll need to purchase 100/300/25, or a single combination of $300,000 or more.
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