Louisiana is one of the most expensive states for auto insurance. The average rate for car insurance in Louisiana is $73 per month for a minimum coverage policy and $198 per month for a full-coverage policy.
There are a number of factors that contribute to the high cost of auto insurance in Louisiana. These include:
The high number of uninsured drivers in the state.
The high number of accidents in the state.
The state's tort laws, which make it easier for people to sue for damages after an accident.
If you live in Louisiana, there are a few things you can do to lower your car insurance rates. These include:
Driving safely and avoiding accidents.
Maintaining a clean driving record.
Increasing your deductible.
Comparing quotes from different insurance companies.
You can also try to get discounts for things like having a good credit score, being a student, or having multiple vehicles insured with the same company.
If you are struggling to afford car insurance, you may be able to get help from the Louisiana Department of Insurance. The department offers a number of programs to help low-income drivers get the coverage they need.
Here are some additional tips for reducing your car insurance rates in Louisiana:
Bundle your car insurance with your homeowners or renters insurance.
Consider using a high-deductible plan.
Ask about discounts for things like good driving records, anti-theft devices, and defensive driving courses.
Shop around for quotes from different insurance companies.