Louisiana Car Insurance Quotes

Early Spanish and French colonial influences have left a legacy of diversity in Louisiana. The state's largest city, New Orleans, is well known for its jazz heritage and annual Mardi Gras celebration. Louisiana is the only state in America that is divided into parishes rather than counties, although the powers of the parish governments are similar to those of standard county governments in other states.

Car insurance in Louisiana is a requirement, but that doesn't mean you can't save money. Rates vary from one company to the next and you can compare those rates to get the best deal. Insurance companies also offer incentives for safe drivers, good students and multiple policyholders. Those are just a few of the most popular discounts. There are even vehicle discounts such as having an anti-theft device. Be sure to ask what discounts an insurance company offers, and you will be on your way to saving more. By comparing the rates of several companies, you can find yourself the lowest rate possible. In fact, many insurance companies compare rates for you, so this is one of the easiest ways to save.

Mandatory Insurance Coverage in Louisiana

- Bodily Injury Insurance Minimums

• $10,000 per person injured in any one accident
• $20,000 for all persons injured in any one accident

- Property Damage Insurance Minimums

• $10,000 for injury to or destruction of property of others in any one accident

Optional Insurance Coverage

- Uninsured Motorist (UM) / Underinsured Motorist (UIM)

• UM coverage must be at least the same amount as the legally required bodily injury coverage. UM includes UIM. The coverage applies to all physical and emotional damages caused in an accident.

- Economic Only UM

• This special insurance option allows drivers to opt for a lower premium that only covers physical and economic damage resulting from an accident.

How much will your Louisiana insurance cost? Enter your zip code below to find out.

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As Louisiana recovers from the devastating effects of hurricane Katrina, more people are finding themselves considering a move to the state. The inviting atmosphere and growth potential during the rebuilding calls many to Louisiana, especially New Orleans. If you are moving to the Pelican State, read the following information to ensure you settled in with your new Louisiana driver's license and car registration without problems.

As a new citizen of Louisiana, you will have 30 days to transfer your out-of-state license. If you are coming to Louisiana as a full-time student, you do not need to get a Louisiana driver's license. The same is true for military personnel and their families while stationed in Louisiana.

Although many states have minimum insurance requirements, Louisiana is one of the few that will not issue your driver's license unless you have proof of insurance (if you own a car). You will need to bring the following documents to the local Office of Motor Vehicles:

- Primary form of identification
- Secondary form of identification
- Current, valid out-of-state driver's license or official copy of your driving record
- Social Security Card
- Proof of insurance if you own a car

Acceptable Forms of ID

Acceptable primary identification forms include birth certificates or certified copies, birth registration cards or certificates that include a raised agency seal, passports, certificates of naturalization, Native American tribal documents, and refugee travel documents, permits to re-enter the US, or work authorization papers issued by Homeland Security.

Secondary identification can be your out-of-state driver's license or photo ID, social security card, Louisiana college ID, original adoption papers, along with many other forms of ID. You can see the full list at the Office of Motor Vehicles Website: http://dpsweb.dps.louisiana.gov.

Louisiana makes it easy to transfer your out-of-state license. Most states require a written test, but Louisiana only requires a vision test if your license is current. The Office will issue a Louisiana drivers equivalent to the one from your prior state (Class E). The fee for transferring your license is about $40 and must be paid in cash.

Louisiana Insurance

Louisiana requires that you carry certain minimum amounts of insurance on your car. If you cancel your car insurance, you will have 10 days to turn in your plate or file a Statement of Non-use with the Office of Motor Vehicles or you will be fined. You can get an idea about how much your insurance will cost by putting your expected new zip code in the box at the top of this page. We recommend you get at least three quotes to ensure you are getting to best deal on your Louisiana car insurance.

The minimum liability insurance allowed under Louisiana's Financial Responsibility law is 15,000 per person, $30,000 per accident and $25,000 for property damage. You must be able to show proof that you have met Financial Responsibility requirements in certain circumstances:

- When a law enforcement officer requests it
- When you register or renew a vehicle registration
- When you obtain or renew your driver's license

Financial Responsibility laws in Louisiana also require insurance companies to report insurance activities like policy issuance, procurement, recall, reinstatement, termination, cancellation and binder status changes to the Department of Public Safety and Corrections, Office of Motor Vehicles.

If you fail to turn in your plates or submit a Statement of Non-use within ten days of cancelled insurance, your car may be impounded. To get insurance on the car again, fees are charged on a scale based on the length of the lapse, ranging from $50 to $225.

Registering Your Car

If you will be using your car on Louisiana highways, you must register it in the state within 30 days. You'll be charged a road use tax, based on the current NADA loan value of your car, at the time of registration. The rate of tax is different from parish to parish. If you have a newer model car that is not yet listed in NADA, the car value is based on list price minus 15 percent.

Check with the Office of Motor Vehicles to find out if your previous state has a reciprocal agreement with Louisiana. You may get a credit (up to 4%) for tax you have already paid on the car in your state of origin. In some cases, you will need proof of the payments you made.

When transferring your registration to Louisiana, you'll need a few things:

- Form DPSMV1799 Vehicle Application, completed and signed by the car's owner
- Your original out-of-state title
- Proof of in-force liability insurance
If there is a loan or other lien on your car, the Office will charge a $10.00mortgage recordation fee and you may need to submit additional paperwork. The title fee is $18.50, plus an $8 handling fee and a $3 license transfer fee. You can pay with personal or Business Checks, Cashier Checks, Money Orders or Cash.

Vehicle Safety Inspections

Louisiana state law requires that every vehicle be inspected and show a valid safety inspection certificate. In New Orleans, Kenner and Westwego, inspections are performed by city government. Vehicles in the parishes of Ascension, East Baton Rouge, Iberville, Livingston and West Baton Rouge must have their cars inspected in their particular parishes. Everyone else can use state inspection facilities. These parishes charge $18.00 for the inspection. All others are $10.00. At the time of inspection, you must present:

- A valid driver's license
- Your current vehicle registration
- Proof of current and valid insurance

Once your car has been test driven and thoroughly checked by the inspector, you will be given your inspection stick and you will be legal to drive in your new home state of Louisiana. If you have more questions about registering your car in Louisiana, call (225) 925-6146 and choose option 2.

Car Insurance in Louisiana

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