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Coverage and service in the Bayou State

Louisiana has more than 130,000 miles of roadways, offering plenty of room to roam. If you live in the Pelican State, USAA offers a combination of coverages and service as big as the Atchafalaya Basin. Whether you're easing through the Big Easy, cruising through the Capital City or traveling anywhere in between, USAA can be there for you.

USAA offers Louisiana residents a large combination of car insurance coverages and excellent service.

The average cost of car insurance in Louisiana

There are many things involved in determining auto insurance rates. How many miles you drive a year and your driving record play a part in how much you'll pay. Louisiana also has a higher risk for hurricanes and flooding, increasing car insurance costs.

See note$254 See noteper month

The average monthly cost for all USAA auto policies issued in Louisiana in 2023.See note1

Louisiana coverage requirements and minimums

As of Jan. 1, 2024, Louisiana law requires drivers to have the following minimum bodily injury and property damage liability limits:

  • $15,000 of bodily injury liability coverage per person.

    This helps cover expenses for injuries or deaths to other vehicles' drivers and their passengers in accidents in which you're found at fault.

  • $30,000 of bodily injury liability coverage per accident limit.

    This is the total amount of coverage for expenses related to injuries or deaths to other vehicles' drivers and their passengers in accidents in which you're found at fault.

  • $25,000 property damage liability coverage.

    This coverage helps pay for damages to other people's property, including vehicles, homes and other buildings in accidents in which you're found at fault.

Some drivers choose to have higher limits and more coverages for greater protection. If you're responsible for injuries and damage that cost more than your policy will cover, you may have to pay out of pocket.

A popular coverage option is roadside assistance.See note2 It can help if you're broken down and need a tow. Many drivers also add rental reimbursement.See note3 It helps cover the cost of a rental car if your vehicle is in the shop for repairs after a covered loss.

If you're making payments to a leasing company or a lender, they may also require you to carry collision and comprehensive coverages. Learn more about the different types of car insurance coverage.

Get up to 30% off your premium for being a safe driver.See note4

With USAA SafePilot®, the better you drive, the bigger the discount you may earn.

Reasons to choose USAA Auto Insurance in Louisiana

A countrywide survey showed that when members switched to a USAA Auto Insurance policy, they saved an average of $725 on their annual premium.See note5 Here's what else you can expect with a USAA Auto Insurance policy.

Coverage for whatever moves you

Still have questions about car insurance?

We can help. To speak with a representative, call 800-531-USAA (8722).([thats 800-531-]8722)