Personal Auto
Auto Insurance
Louisiana requires every registered vehicle to carry liability insurance. Beyond that legal minimum, an auto policy is a set of separate coverages, each protecting against a different kind of loss. As an independent agency, we quote your situation with multiple carriers and explain what each coverage does before you buy.
Worth knowing in Louisiana
Louisiana's minimum liability limits are set by state law, but minimum-limit policies often leave drivers personally responsible for costs above those limits after a serious accident. We will show you what higher limits cost so you can decide with real numbers.
Coverage schedule
What auto insurance can include
Each item below is a distinct coverage with its own limit and, in some cases, deductible. Whether a specific loss is covered always depends on the terms of the policy you purchase.
- 01Bodily injury & property damage liability
- Pays for injuries to others and damage to their property when you are at fault in an accident, up to your policy limits. This is the coverage Louisiana law requires.
- 02Collision
- Pays to repair or replace your own vehicle after a collision, regardless of fault, minus your deductible.
- 03Comprehensive
- Covers non-collision damage to your vehicle: theft, vandalism, fire, falling objects, and storm damage such as flood or wind, minus your deductible.
- 04Uninsured / underinsured motorist
- Covers your injuries and, if selected, vehicle damage when an at-fault driver has no insurance or not enough. A significant share of Louisiana drivers are uninsured, which is why agents commonly discuss this coverage.
- 05Medical payments
- Pays medical expenses for you and your passengers after an accident, regardless of fault, up to the selected limit.
- 06Roadside assistance & rental reimbursement
- Optional add-ons that cover towing and a rental car while your vehicle is being repaired after a covered loss.
More options from one local agency
We compare coverage across multiple carriers and markets, then explain the differences in plain language. Availability depends on your location, property, history, and the coverage you need.
View the carriers and markets we work withPrefer to talk it through? Call or visit an office, Southshore or Northshore.