Louisiana, with 8 different nicknames, prides itself on its uniqueness. As “The Bayou State”, its vast swamplands and marshes hold mystery and intrigue for visitors from all over the world. As “The Sportsman’s Paradise”, this state boasts an enormous variety of wildlife, hunting excursions, fishing opportunities and outdoor recreation activities. With so many options, Cheapcarinsurance.net is simplifying Louisiana’s car insurance options by organizing all the information in one place.
Car Insurance Quotes for Louisiana
East Baton Rouge Parish Car Insurance
On the east banks of the Mississippi River, East Baton Rouge Parish is home to the state capital of Baton Rouge, a French term for "red stick" – tribal markers first discovered by French explorers in the area. The parish and city have been a consolidated unit since 1947, governed by a metropolitan council.
With the 10th largest port in the U.S., Baton Rouge is also the farthest port upstream on the Mississippi that can accommodate Panamax ships. Students from its many campuses, including Louisiana State University, Our Lady of the Lake and Southern University, make up about 20 percent of the population. Baton Rouge hosts multiple Mardi Gras parades annually, as well as the Greater Baton Rouge State Fair and the Red Stick Animation Festival. Louisiana's Old State Capital Building, which hosted the state legislature from 1852 to 1932, is has been preserved as a museum.
|East Baton Rouge||$2,029.00||$1,658.00||$2,085.00||$1,922.00||$2,124.00|
Jefferson Parish Car Insurance
Less affected by the devastating 2005 Hurricane Katrina than nearby New Orleans, Jefferson Parish recently surpassed neighboring Orleans Parish in population. Home to 437,000, it is now the most populous county in Louisiana. Its seat is Gretna, which lies just across the Mississippi from upstate New Orleans. Its largest community is Metaire, an unincorporated area that takes up a large part of the parish.
The birthplace of TV personality Ellen DeGeneres, Jefferson Parish has grown from a rural, undeveloped area in the 1950s to New Orleans suburbs. Metaire is home of the New Orleans Saints practice facility. Located on a barrier island is the town of Grand Isle, where the population of 1,300 can swell as high as 20,000 in the summers. It is a popular spot for anglers and hosts one of the top saltwater fishing rodeos in the U.S.
Orleans Parish Car Insurance
Merged with its parish seat, the famous city of New Orleans, Orleans Parish stretches across the Mississippi, the smallest parish in Louisiana by land area. Once the most populated in the state, it lost many of its residents in the wake of Hurricane Katrina in 2005. Nicknamed "The Big Easy," New Orleans has more historic districts than any city in the U.S.
World famous for its architecture, jazz, bars, beignets and the French Quarter, New Orleans is one of the top 10 most visited cities in the U.S. Its most popular attractions are the National World War II Museum, Jackson Square, St. Louis Cathedral and Blaine Kern's Mardi Gras World. It is also home to numerous unique draws, such as ghost and vampire tours, two VooDoo museums, a Pharmacy Museum and the Museum of Death, to name a few.
Caddo Parish Car Insurance
Tucked into Louisiana’s northwest corner is Caddo Parish, the Red River forming most of its eastern border. Its seat is the City of Shreveport, the largest city in the region drawing tourists from Texas and Arkansas to its riverboat casinos. Named for the Caddo Native Americans, Caddo Parish is home to about 255,000.
Shreveport is across the Red River from Bossier City in Bossier County, thus they are known as the twin cities. Barksdale Air Force Base is Caddo Parish’s largest employer and has hosted an annual public air show since 1933. A number of films have been shot in the area, including "Texas Chainsaw 3D," "The Iceman" and "Dark Places." Mardi Gras is an important part of the region’s culture, with celebrations dating back to the mid-19th Century. Popular attractions for visitors include Barksdale Global Power Museum, Chimp Haven and the Sci-Port Discovery Center.
St. Tammany Parish Car Insurance
On Louisiana’s eastern border lies St. Tammany Parish, referred to by the locals as "Northshore" for its location on Lake Pontchartrain. The most affluent parish in the state, it also boasts a top-rated public school system. Its seat is Covington, a town of about 8,800. The largest city is Slidell, a lakeside community of nearly 100,000.
Swamp boat tours, fishing charters and nature and wildlife viewing are popular among visitors to Tammany County. The Bogue Chitto National Wildlife Preserve includes 36,000 acres with foot trails, cabins and campsites. Tammany Trace is a hike and bike trail connecting Slidell with Covington.
Lafayette Parish Car Insurance
Named for the French Gen. Marquis de Lafayette, Lafayette Parish is a small, triangular section of southern Louisiana where Interstate 10 meets Interstate 49. Its seat and largest city is Lafayette, the center of Acadiana, the French Louisiana region home to a large Cajun population.
A must-see is Vermilionville, a living history museum of Cajun culture with live music, restaurant, artists and historians. Lafayette is also home to Acadian Village, a re-assembled Cajun village with authentic buildings, and the last Borden’s Ice Cream location in the U.S., science museum and children’s museum. The Zoo of Acadiana and Parish Brewing are located in the town of Broussard.
Calcasieu Parish Car Insurance
Encompassing the City of Lake Charles, Calcasieu Parish lies at the Texas border, the Sabine River forming its eastern boundary. Because of its numerous bodies of water, it is sometimes referred to as "the lake area." Its economy centers on the petrochemical industry, gambling and tourism.
Named "Charleston," when it was founded in 1861, Lakes Charles is home to McNeese State University. It has the biggest casino market in the state, featuring nearly 2,000 guest rooms, golf courses and convention spaces. In addition to Mardi Gras celebrations, it is the site of the annual Contraband Days, a 12-day festival held during the first two weeks of May.
Ouchita Parish Car Insurance
Bisected by the meandering Ouchita River, Ouchita County is home to about 147,000 in north Louisiana. The parish seat is Monroe, just across the river from the separate city of West Monroe. The two are often called the twin cities of northeast Louisiana, though Monroe has a larger population.
Before moving to Atlanta, Delta Airlines began here as a crop-dusting service and Coca-Cola opened its first bottling plant in Ouchita Parish. The estate of that first Coke bottler, Biedenharn Home and Gardens, is open to the public as a museum and garden. Another popular tourist stop is the Chennault Aviation and Military Museum of Louisiana, which contains exhibits on the early days of Delta Airline, a World War II flight school and a combat unit known as the Flying Tigers.
Livingston Parish Car Insurance
Just east of Baton Rouge, Livingston Parish lies along the shore of Lake Maurepas and is one of the state’s fastest growing parishes. Livingston, the parish seat, is a town of less than 2,000.
Denham Springs is its largest city, located at the parish’s western border and within an easy commute from Baton Rouge. Its downtown antique district is a popular draw for visitors, who also come for tubing, boating and fishing on the parish's many waterways. One of the largest and most unique locations of Bass Pro Shops' flagship stores, Outdoor World, opened in 2008 just off Interstate 12.
Rapides Parish Car Insurance
Named for the French word meaning "rapids," Rapides Parish is a large area in central Louisiana containing part of the scenic Kisatchie National Forest. Established in 1807, the parish is home to an estimated 132,000 people today. It includes part of Catahoula Lake, the largest freshwater lake in the state.
The parish seat, Alexandria, sits on the bank of the Red River at nearly exactly the geographic center of Louisiana. Residents celebrate Mardi Gras with several parades, as well as "Cenlabration," a central Louisiana festival held at the end of each summer. Among top attractions for visitors in Rapides Parish are Alexandria Zoological Park, an interactive children’s museum known as T.R.E.E. House, Kent Plantation House and the River Oaks Square Arts Center.
|East Baton Rouge||$2,029.00||$1,658.00||$2,085.00||$1,922.00||$2,124.00|
|St John The Baptist||$1,876.00||$1,529.00||$1,922.00||$1,783.00||$1,970.00|
|West Baton Rouge||$2,008.00||$1,638.00||$2,072.00||$1,905.00||$2,106.00|
Car insurance quotes are for one car and one driver who has state minimum coverage with $500 comprehensive and collision deductibles. The hypothetical driver is 40 years old, female, married, employed, a college graduate, and has good credit. She has no moving violations, claims, or lapse in coverage. The vehicles are assumed to be garaged on premises, used primarily for commuting, and driven 16,000 miles per year. Car insurance quotes include commonly available discounts and are estimates and not guaranteed.
Average Car Insurance Premiums
Average car insurance premiums in Louisiana hit a record high in 2013, increasingly its already-distant lead over the national average. According to NAIC.org, the state’s average premiums as a percentage of income are also well above the rest of the country.
Drunk Driving Fatalities
According to the National Highway Traffic Safety Administration, Louisiana surpassed the national average in drunk driving fatalities. In 2012, the state was still above after experiencing a slight increase. It increased further in 2014.
Teen Drinking and Driving
The Centers for Disease Control indicates that Louisiana’s teens drink and drive more than teens across the nation.
Vehicular Theft in Louisiana
Louisiana’ auto thefts fell to 171.3 in 2012. The FBI reports that this brings the state to nearly 60 points below the national average. In 2014, though, the number of vehicle thefts almost matched that of the national average.
LAWS & REGULATIONS
Whether camping, watching horse races or floating through the bayou, Louisianans don’t need to be bothered with sifting through complicated driving laws and regulations. Following is a list of the necessary facts, essential for driving, visiting and living in “The Pelican State”.
Minimum Requirements for Car Insurance in Louisiana
- Louisiana state law has protected all drivers in the state by making it mandatory to possess liability insurance coverage.
- Liability Coverage minimums:
- $25,000 per single bodily injury or death.
- $50,000 per multiple bodily injury or deaths.
- $25,000 for property damage.
New Driver Licensing Requirements
- Louisiana drivers have 30 days from residency to obtain a valid state drivers license. A driver with an out-of-state license expired less than 1 year only needs to pass the vision test during the application process. If the applicant’s license is expired 1 year but less than 2, he/she needs to pass the vision, written and traffic sign exams. An applicant with a license expired 2 years or more must pass the vision, written, traffic signs and road skills tests.
- Louisiana participates in a Graduated License Program (GDL), which allows drivers to obtain driving experience prior to becoming eligible for a full license. The Louisiana Driver’s Guide explains each of the 3 steps in detail. The following is an overview of the program:
- Learner’s Permit. To obtain a permit, the applicant must be at least 15 years old and have a parent/legal guardian sign the application. The applicant must follow these requirements:
- Complete 30 hours of classroom drivers education instruction and 8 hours of driving instruction
- Must pass vision, written and traffic signs exams
- Must maintain the permit for a minimum of 180 days
- May only drive with a licensed driver age 21 or older or with an immediate relative age 18 or older
- Intermediate License. After completing the permit phase, an applicant 16 years or older may apply for the intermediate license. The following parameters are required:
- Must pass the road skills test.
- May not drive between the hours of 11 pm and 5 am unless accompanied by a licensed driver age 21 or older or an immediate family member age 18 or older.
- Must maintain the license until turning age 17
- Upon passing the following tests and paying the appropriate fees, an applicant who has successfully completed the GDL may obtain a Full Unrestricted License. Applicants over 17 years of age who have not completed the GDL may apply for a Full License after completing a Louisiana Office of Motor Vehicles approved driver education course.
- Vision Exam. An applicant must have a visual acuity of at least 20/40 to pass the vision exam. Restrictions apply, and corrective lenses are permitted.
- Traffic Signs Test. The applicant will be evaluated on his/her ability to identify and understand traffic signs by shape, color and/or symbol.
- Knowledge Test. A multiple-choice test, the Louisiana Driver’s Guide contains all the necessary information to pass the knowledge test.
- Road Skills Test. The road test is designed to evaluate an applicant’s driving ability. The vehicle, provided by the applicant, must have proof of insurance and current registration. The test administrator will evaluate the applicant’s skills by requiring the driver to:
- Observe and obey 2 stop signs
- Obey 2 traffic signals
- Make 2 lane changes
- Make 2 reversal maneuvers
- Make 3 left turns
- Make 3 right turns
- Park straight-in
- Fees. The following fees apply for every applicant:
- Learner’s Permit, $21.50
- Full License Fees, $36.50 ($46 in New Orleans):
- BAC limit: .08 Louisiana maintains a BAC of .08 for drivers 21 and older and a BAC of .02 for drivers under 21. Penalties for under-21 DUI offenses vary in severity according to the circumstances of the offense. Following is an outline of the major penalties restulting from a Louisiana DUI:
- First Offense:
- Imprisonment: 6-month maximum
- Fine: $300 to $1,000
- License suspension: 90 days
- Possible Ignition Interlock Device (IID) installed
- Second Offense:
- Imprisonment: 30 days to 6 months
- Fine: maximum $1,000
- License suspension: 12 months
- Possible IID installed
- Third Offense within 5 Years:
- Imprisonment: 45 days to 5 years
- Fine: maximum $2,000
- License suspension: 2 years
- IID required
- Additional fines, suspension terms, imprisonment sentences and other penalties may be exacted for various factors involved in each offense.
Texting & Driving Laws
According to Distraction.gov, Louisiana has banned handheld cell phone use for drivers with a learner’s permit or intermediate license. There is also a ban on all cell phone use for bus drivers and novice drivers. The state has also banned texting for all drivers.
Louisiana is a unique state. And its laws are sometimes just as unique. A good example is the New Orleans ordinance that prohibits chasing fish in the city park. A few more uniquely “Louisianan” laws include ordinances that state trees may not be planted on public highways, one may not tie an aligator to a fire hydrant and a woman is only permitted to drive a car if her husband walks in front of it waving a flag!