Louisiana Insurance Agencies by Parish

How to Lower Your Car Insurance in Louisiana (And How Insurance Companies Score You)

Trying to cut the cost of car insurance in Louisiana? Whether you’re commuting in New Orleans, Baton Rouge, Lafayette, or driving coastal highways, there are practical ways to reduce premiums. This overview explains how Louisiana insurers evaluate drivers — and what you can do to save money.

How Car Insurance Companies in Louisiana Score You

• Driving history – Accidents, tickets, DUIs, and prior claims can raise rates.
• Credit score – Louisiana allows credit-based insurance scoring; better credit often lowers premiums.
• Location – Some metro/coastal areas can have higher claim frequency and theft risk.
• Vehicle type – Repair costs, theft risk, and safety ratings affect pricing.
• Annual mileage – Lower mileage may qualify for discounts.
• Coverage choices – Higher limits/full coverage cost more; higher deductibles usually reduce premiums.

10 Ways to Lower Your Car Insurance in Louisiana

1. Compare quotes from multiple insurers regularly.
2. Bundle auto with home or renters insurance.
3. Maintain good credit.
4. Increase deductibles if financially comfortable.
5. Ask about telematics or usage-based programs.
6. Check all discounts (safe driver, multi-car, homeowner, paid-in-full, autopay).
7. Consider liability-only on older vehicles.
8. Choose vehicles with lower repair and theft risk.
9. Avoid coverage lapses.
10. Re-shop every 6–12 months.

Louisiana Minimum Auto Insurance Requirements

Louisiana generally requires at least 15/30/25 in liability coverage — $15,000 bodily injury per person, $30,000 per accident, and $25,000 property damage per accident. Many drivers choose higher limits for better protection.

Hurricanes, Flooding, and Comprehensive Coverage

Louisiana drivers may face hurricanes, flooding, hail, and theft risk. Comprehensive coverage can help protect your vehicle from non-collision damage such as theft, vandalism, falling objects, and certain storm-related losses (coverage varies by policy).

Use the parish list above to explore local insurance agencies in your area and compare options side-by-side.