Fair car insurance in Louisiana
From Shreveport to Lafayette and Monroe to Lake Charles, good drivers in Louisiana can get the cheap car insurance rates they deserve. In fact, good drivers could save hundreds. Download our easy-to-use app and see if your good driving can save you money on quality coverage.
How it works
Auto insurance rates are traditionally based on your demographics—things like age, marital status, and ZIP code. But Root is a different kind of insurance company. We base rates primarily on how you drive, not who you are. It’s the fair way to price car insurance.
Download the app
Visit the App Store or Google Play. Sign up in less than a minute.
Drive around
We use your smartphone to measure your driving behavior. Better driving = more savings.
Get your quote
You can customize and purchase your policy, all in the Root app.
State requirements for car insurance in Louisiana
What are the minimum auto insurance requirements in Louisiana?
To legally operate a vehicle in Louisiana, you must carry Liability insurance and Uninsured/Underinsured Motorist coverage. If you are found driving without it, you can face fines of up to $1,000 plus reinstatement fees.
Liability coverage
Liability coverage helps to pay for property damage or bodily injuries that occur from a car accident you cause. It does not cover harm to you or your family members (that’s what Personal Injury Protection and Medical Pay coverages are for). It also doesn’t cover your vehicle, but Collision and Comprehensive coverages do—these additional coverages can help you avoid major expenses in the event of an accident.
Minimum required Liability coverage in Louisiana:
$15,000 Bodily Injury (per person)
$30,000 Bodily Injury (per accident – multiple people injured)
$25,000 Property Damage
You can select higher limits if you’d like more coverage.
Uninsured/Underinsured Motorist Coverage (UM/UIM)
UM/UIM is another required coverage. This insurance pays for the damages, losses, and injuries you suffer if you’re in an accident caused by a driver who doesn’t have car insurance. It also covers you if you’re in an accident with a driver whose car insurance is insufficient or is considered underinsured.
Car insurance companies are required to offer this coverage as part of your policy. You can reject this coverage in writing and still be in compliance with car insurance laws.
Minimum required Uninsured/Underinsured Motorist coverage in Louisiana:
$15,000 Bodily Injury (per person)
$30,000 Bodily Injury (per accident – multiple people injured)
You can always opt for higher limits if you want more coverage.
What is SR-22 insurance?
SR-22 insurance is a liability document for high-risk insurance policies. It’s proof of responsibility and a guarantee that you’ll be insured for a certain period of time. If you decide to cancel your coverage or it lapses for any reason, your insurance company is required to notify the Louisiana OMV. You can easily request an SR-22 in the Root app.
What other coverages does Root offer?
Collision
Rental Car coverage
Personal Injury Protection
Medical Payments
(MedPay)
Comprehensive
(including glass coverage)
Roadside Assistance
(included with every Root policy)
What is the average cost of car insurance in Louisiana?
The average Louisianan pays $2,389 [1] per year for their auto policy—that’s the second highest average in the nation. Bad drivers often drive up prices for good drivers, but Root doesn’t insure bad drivers, so our customers could save up to $900 a year—all while enjoying fair and simple car insurance.
Start saving on car insurance in Louisiana
Get an auto insurance quote based primarily on how you drive. You could save hundreds.