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Cheap Louisiana Auto Insurance

Cheap Louisiana auto insurance quotes, companies, laws, minimum requirements. We help to find cheap auto insurance in Louisiana.
auto insurance in Louisiana

Trying to find the best option in cheap Louisiana auto insurance isn’t very easy. With that in mind, we’ve created our free quote tool! It accurately displays the most up to date quotes from some of the highest-rated insurers in the industry. We try our hardest to insure that you’re not paying more than you need to, and considering the price of car insurance these days – this is much needed help!

Considering Cheaper Auto Insurance in Louisiana?
Under Louisianan law, you may exclude a driver in your household from inclusion on your auto insurance policy. In fact, the auto insurance company may make this request for a person with a poor driving history which poses a higher risk. A college student who lives away from home and does not have access to a vehicle may be excluded, which may make up a cheap Louisiana car insurance rate. 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 so think this decision over carefully before you remove them from the policy.

If you have an auto policy or have had one in the past, you must provide the name of the company, the dates of coverage, and the amount of liability coverage it provided. Some insurance companies will give you better rates if you insure for more than the state mandatory minimums, an integral piece in obtaining cheap Louisiana auto insurance.

Insurance Companies Regulatory Policies in Louisiana
Insurance companies check your credit history when they set you premiums and determine whether they will insure you. The company may ask you to explain any bankruptcies, judgments, or credit problems. They may also ask to do an insurance score to assist them with the premium quote. This score will use your credit history as a whole or part of the rating system. Although Louisiana allows insurance companies to use your credit score, there are limitations on the information they use, how they use it, and how often they use it. It’s something that will determine the likelihood of acquiring cheap auto insurance in Louisiana.

Lousiana Auto Insurance Averages
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.

While there are a lot of facets to obtaining cheap auto insurance in Louisiana, there’s a good chance that you’ll find our free quote tool to be of use! We make it easy to make a very informed decision, and considering that the criteria for obtaining auto insurance are somewhat proprietary, we make sure that it’s as easy as pie. If you want an affordable quote on your vehicle – we have the quotes you need.

Useful links:
Louisiana Division of Motor Vehicles
Louisiana Division of Insurance
Louisiana Department of Revenue

Louisiana minimum requirements
Bodily Injury Per Person Liability: $15,000.00 Limit
Bodily Injury Per Accident Liability: $30,000.00 Limit
Property Damage Liability: $25,000.00 Limit

Louisiana auto insurance requirements and laws >>

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