Louisiana Auto Insurance

Under Louisiana law, insurance companies may exclude a driver in your household from inclusion on your auto insurance policy under the “Excluded Driver/Household Exclusion” provision.  In fact, the auto insurance company may make this request for persons with a poor driving history which pose a higher risk.  A college student who lives away from home and does not have access to a vehicle may be excluded.  If a driver is excluded from the policy, they have no liability coverage but you still have the liability exposure if they drive one of your vehicles and get in an accident. All exclusions must be either stated in the policy or on an endorsement.

Some insurance companies will give you better rates if you insure for more than the state mandatory minimums.  Lack of prior insurance coverage due to never owning a car cannot be held against you as long as you have never violated the Louisiana mandatory insurance laws.

The state of Louisiana allows insurance companies to check you credit history when they set your premiums and determine whether they will insure you.  The company may ask you to explain any bankruptcies, judgments, or credit problems.  The insurance company will also use other criteria such as your driving record, age, type of vehicle you drive and the area where you live to determine your premium rates.

Louisiana is a tort state which means you can be personally sued for injuries, deaths, and damages beyond the amounts your insurance policy covers.  The average insurance premium in Louisiana averages about $1094.00 and has the 3rd most expensive auto insurance premiums in the nation as of 2006.  The lowest premiums available in Louisiana are for the minimum liability coverage and most often are given to the married, 60 year old female driver.  The most expensive premium rates are given to single 18 year old males.  The lowest rate over all is$143.00 given to the married 60 year old female by both the GEICO General Insurance Company and the Government Employees Insurance Company.  The highest rate comes from the Progressive Security Insurance Company for the single 18 year old male in the amount of $3109.00.  The two insurance companies with the lowest overall premium estimates are GEICO General Insurance Company and Government Employees Insurance Company.  There are 30 major insurance companies which have met the qualifications to sell auto insurance in the state of Louisiana. 

Below you will find a table comparing the annual premium estimates in the Louisiana area of Metairie for minimum mandatory liability coverage as of August 2007. 

Gender Female   Male   Female
Age & Marital Status           60 Married   30 Married   18 Single
Type of Coverage           Liability   Property   Liability   Property   Liability   Property
Allmerica Financial
Benefit $353.00   $324.00 $353.00   $324.00 $1096.00   $748.00
Allstate Property &
Casualty Insurance           $255.00   $271.00 $274.00   $318.00 $1010.00   $1021.00
American International
Insurance Company           $459.00   $213.00 $487.00   $244.00 $1021.00   $649.00  
Direct General Ins. Co. $448.00   $378.00 $447.00   $454.00 $1750.00   $727.00
Encompass Indemnity
Company           $322.00   $365.00 $370.00   $433.00 $1371.00   $1028.00
Farmers Insurance
Exchange           $496.00   $531.00 $707.00   $736.00   NA     NA
Financial Indemnity Co. $352.00   $200.00 $385.00   $267.00 $1907.00   $963.00
GEICO Casualty Co.           $510.00   $690.00 $438.00   $689.00 $1031.00   $1075.00
GEICO General
Insurance Company           $143.00   $118.00 $211.00   $198.00   NA     NA
GEICO Indemnity Co.           $313.00   $333.00 $329.00   $402.00 $825.00     $701.00
General Insurance
Company of America           $241.00   $136.00 $270.00   $187.00 $1106.00   $374.00
Government Employees
Insurance Company           $143.00   $118.00 $211.00   $198.00     NA     NA
Imperial Fire &
Casualty Insurance Co.          $326.00   $195.00 $357.00   $245.00 $2215.00   $740.00
La. Auto Ins. Plan           $756.00   $969.00 $923.00   $969.00 $1190.00   $844.00
La. Farm Bureau
Casualty Insurance Co.          $199.00   $221.00 $308.00   $365.00   $807.00   $719.00
La. Farm Bureau
Mutual Insurance Co.           $254.00   $294.00 $401.00   $489.00 $1074.00   $965.00
Liberty Mutual Fire
Insurance Company           $280.00   $264.00 $361.00   $360.00   $930.00   $639.00
Metropolitan Property &
Casualty Insurance Co. $278.00   $249.00 $329.00   $307.00 $1212.00   $800.00
National Automotive
Insurance Company           $305.00   $306.00 $310.00   $444.00 $1343.00     NA
Progressive Palvorde
Insurance Company           $349.00   $293.00 $377.00   $384.00 $2368.00   $1037.00
Progressive Security
Insurance Company           $315.00   $312.00 $330.00   $387.00 $2824.00   $1012.00
Safeco Insurance
Company of America           $347.00   $214.00 $366.00   $289.00 $1379.00   $511.00
Safeco Insurance
Company of Illinois           $518.00   $283.00 $546.00   $379.00 $2025.00   $678.00
Safeway Insurance
Company of Louisiana $348.00   $524.00 $369.00   $570.00 $1415.00   $1434.00
State Farm Fire &
Casualty Company           $314.00   $224.00 $433.00   $326.00 $1178.00   $746.00
State Farm Mutual
Auto Insurance Co.           $265.00   $199.00 $368.00   $289.00   $896.00   $581.00
United Services
Automobile Association $203.00   $194.00 $217.00   $261.00   $757.00   $662.00
U.S. Agencies Casualty
Insurance Company           $167.00   $266.00 $210.00   $373.00 $1459.00   $1083.00
USAA Casualty Ins. Co. $210.00   $202.00 $225.00   $272.00   $803.00   $647.00
USAA General Ins. Co.        $2220.00   $217.00 $237.00   $292.00   $855.00   $724.00

Gender Female Male   Male
Age & Marital Status           21 Single 18 Single   21 Single
Type of Coverage           Liability   Property Liability   Property   Liability   Property
Allmerica Financial
Benefit $636.00   $414.00 $1437.00   $1075.00   $791.00   $661.00
Allstate Property &
Casualty Insurance             $898.00   $989.00 $1212.00   $1370.00   $1042.00   $1221.00
American International
Insurance Company             $794.00   $644.00 $1318.00     $848.00   $907.00   $717.00  
Direct General Ins. Co.          $1638.00   $1049.00 $2136.00     $1044.00 $1742.00   $1312.00
Encompass Indemnity
Company           $1194.00   $1136.00   $1934.00   $1467.00   $1578.00   $1520.00
Farmers Insurance
Exchange             NA       NA     NA         NA       NA       NA
Financial Indemnity Co. $976.00   $771.00 $2407.00   $1355.00   $1106.00   $1056.00
GEICO Casualty Co.             $696.00   $921.00 $1010.00   $1148.00     $775.00   $1058.00
GEICO General
Insurance Company             $408.00   $313.00   NA       NA     $455.00   $369.00
GEICO Indemnity Co.             $540.00   $524.00 $1033.00     $826.00     $590.00   $573.00
General Insurance
Company of America             $892.00   $456.00 $1254.00     $462.00     $992.00   $555.00
Government Employees
Insurance Company           $408.00   $313.00   NA           NA     $455.00   $369.00
Imperial Fire &
Casualty Insurance Co. $954.00   $628.00 $2437.00     $1004.00   $1048.00   $860.00
La. Auto Ins. Plan           $1341.00   $1227.00 $2292.00     $2020.00   $3093.00   $3609.00
La. Farm Bureau
Casualty Insurance Co. $688.00   $704.00 $1084.00     $973.00   $961.00   $995.00
La. Farm Bureau
Mutual Insurance Co.           $914.00   $945.00 $1448.00     $1308.00   $1282.00   $1337.00
Liberty Mutual Fire
Insurance Company           $870.00   $706.00 $1383.00     $985.00   $1049.00   $880.00
Metropolitan Property &
Casualty Insurance Co.        $1084.00   $868.00 $1777.00     $1200.00   $1385.00   $1131.00
National Automotive
Insurance Company           $903.00   $977.00 $1530.00       NA   $1116.00   $1463.00
Progressive Palvorde
Insurance Company           $908.00   $627.00 $2977.00     $1383.00   $1012.00   $868.00
Progressive Security
Insurance Company           $990.00   $622.00 $3109.00     $1338.00   $1068.00   $840.00
Safeco Insurance
Company of America           $941.00   $524.00 $1561.00     $630.00   $1041.00     $643.00
Safeco Insurance
Company of Illinois         $1399.00   $689.00 $2294.00     $829.00   $1550.00     $840.00
Safeway Insurance
Company of Louisiana         $1354.00   $1241.00 $1702.00     $1597.00 $1752.00   $1900.00
State Farm Fire &
Casualty Company         $1276.00   $786.00 $1556.00     $999.00   $1517.00     $943.00
State Farm Mutual
Auto Insurance Co.           NA         NA $1187.00     $779.00       NA         NA
United Services
Automobile Association         $461.00   $462.00 $860.00     $798.00   $522.00     $550.00
U.S. Agencies Casualty
Insurance Company         $1392.00   $1322.00   $2138.00   $1642.00   $1556.00     $1786.00
USAA Casualty Ins. Co.        $487.00     $472.00 $912.00     $781.00   $552.00     $563.00
USAA General Ins. Co.        $490.00     $496.00 $971.00     $872.00   $554.00     $590.00

Some things you can do to reduce your premiums are to maintain a clean driving record, and drive a vehicle with a good safety rating.  Other things that can affect your insurance are the area where you live and work and the traffic volume in that area.  If you have a teenage driver, it may be less expensive to include them on the family policy.  Stress with them the importance of maintaining good grades and a clean driving record as these will help to defray the cost of premiums.  Your age, the age of your car as well as its condition and the type of vehicle you drive, your gender, and your marital status will play a factor in the cost of your auto insurance premiums.  It may also help to be aware of the most popular cars with car thieves in the state of Louisiana.  Below you will find a list of the top ten stolen cars in the state.

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1. 2003 Dodge Ram Pickup
2. 1994 Chevrolet C/K 1500 Pickup (full size)
3. 2001 Ford F150
4. 1995 Honda Accord
5. 2003 Dodge Caravan
6. 1994 Oldsmobile Cutlass
7. 2000 Dodge Intrepid
8. 1998 Jeep Cherokee/Grand Cherokee
9. 1991 Toyota Camry
10. 1997 Ford Taurus