Auto Insurance in Louisiana

Property – Covers damage to or theft of your car 

Liability – Covers bodily injury or property damage your car causes to others 

Medical – Cover injuries, rehabilitation, lost wages and funeral expenses 

Collision – Covers damage to your car that results from a collision with another vehicle or object when you’re at fault 

Comprehensive – Covers theft and damage caused by incidents outside of collisions such as a fire, flood, vandalism and various weather hazards 

Personal Injury Protection – Covers medical costs, lost wages and expenses of those who become injured on your vehicle, including yourself, due to an accident 

Driving record—If you have a history of accidents or claims, your rates may be higher.   

Use of your car—If you use your car for ridesharing or delivery services, your rates may be higher.  

Location—Where you live and use your car will influence your rates, as those who live in cities or areas where auto claims are statistically higher may have higher insurance rates.   

Your age—Statistically speaking, younger drivers are more likely to get into accidents, causing their rates to be higher than those who are older.  

Your gender—According to statistics, men are more likely than women to be in accidents, which causes their insurance premiums to typically be higher.   

Type of car you drive—The age, style, and overall value of the car you drive will influence auto premiums.   

Amount of insurance you purchase—Generally speaking, the more coverage you want, the more you will have to pay in premiums.