Affordable Car Insurance

Louisiana Car Insurance

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Louisiana Car Insurance: Everything You Need to Know

Driving in Louisiana isn’t just about getting from point A to point B—it’s about navigating unpredictable roads, wild weather, and some of the highest car insurance rates in the country. If you’re paying too much for your car insurance (or worse, driving without enough coverage), it’s time to change that.

At Kevin Jones Financial Group, we’ve partnered with Progressive—one of the most trusted names in auto insurance—to bring you the best coverage at competitive rates. Whether you need basic liability or full coverage protection, we’ll help you find the right policy at the right price.

Requirements For Car Insurance in Louisiana (What You Legally Need to Drive)

Louisiana law requires every driver to carry a minimum amount of car insurance. If you get pulled over or into an accident, you must be able to show proof of:

  • Bodily Injury Liability – At least $15,000 per person and $30,000 per accident (covers medical expenses for others if you cause an accident).
  • Property Damage Liability – At least $25,000 (covers damages to another person’s vehicle or property).

Sounds simple, right? But here’s the problem—these limits won’t fully protect you in a major accident. If you hit someone with a luxury car or cause serious injuries, your minimum coverage won’t be enough, and you’ll be stuck paying the difference out of pocket.

That’s why many Louisiana drivers upgrade to full coverage, adding extra layers of protection.

What Full Coverage Car Insurance Includes

While liability insurance keeps you legal, it doesn’t protect you or your car. Full coverage includes:

Collision Coverage

Pays for damage to your car if you hit another vehicle or object.

Comprehensive Coverage

Covers theft, vandalism, weather damage (hello, hurricanes), and more.

Uninsured/Underinsured Motorist (UM/UIM)

Protects you if you get hit by someone who doesn’t have enough insurance (which happens a lot in Louisiana).

Medical Payments (MedPay)

Helps cover medical bills for you and your passengers, regardless of fault.

Roadside Assistance

Covers towing, flat tires, and lockouts.

Why Louisiana Car Insurance Is More Expensive (and What You Can Do About It)

Louisiana has some of the highest car insurance rates in the country. Why?

  • High Accident Rates – Louisiana roads are some of the most dangerous in the U.S., leading to more claims and higher rates.
  • Lawsuit Culture – Louisiana has a high number of auto insurance lawsuits, which drives up costs for everyone.
  • Extreme Weather – Hurricanes, floods, and unpredictable storms mean more insurance payouts, making coverage more expensive.
  • Uninsured Drivers – Nearly 1 in 8 Louisiana drivers has no insurance at all, forcing insured drivers to pay more to compensate.

But just because rates are high doesn’t mean you have to overpay.

How to Get Cheaper Car Insurance in Louisiana

Here’s how you can lower your car insurance premium (without sacrificing good coverage):

  • Bundle Your Policies – Save by combining car insurance with home, renters, or other policies.
  • Raise Your Deductible – A higher deductible means a lower monthly payment (just make sure you can afford the deductible in case of a claim).
  • Drive Safely – Avoid tickets and accidents to qualify for Progressive’s safe driver discounts.
  • Ask About Discounts – You may qualify for good student, low mileage, or multi-car discounts.

Why Choose Progressive for Car Insurance in Louisiana?

At Kevin Jones Financial Group, we work directly with Progressive, one of the nation’s leading auto insurance providers. Here’s why thousands of Louisiana drivers trust Progressive for their coverage:

  • Competitive Rates – Get a customized quote that fits your budget.
  • Name Your Price Tool – Find coverage that meets your needs at a price that works for you.
  • Fast Claims Service – 24/7 claims processing to get you back on the road quickly.
  • Bundle & Save – Combine auto, home, renters, or other policies for maximum savings.

When you get your car insurance through us, you’re not just getting a policy—you’re getting a team that’s here to make sure you’re covered the right way.

Ready to Get Covered? Here’s Your Next Step.

Louisiana drivers can’t afford to gamble with cheap, low-coverage insurance. Let us help you find the right protection at the best price—without the hassle.

Call us now at (504) 294-5300 to speak with an agent live.
Prefer a callback? Schedule a call now.

Don’t wait until it’s too late. Get the car insurance you need today!

Remember This

Car insurance isn’t just another bill—it’s your financial protection against the unexpected. Whether you’re commuting through New Orleans, heading to work in Baton Rouge, or taking a weekend trip along the Gulf Coast, the right coverage ensures you’re always protected.

With Progressive and Kevin Jones Financial Group, you can drive with confidence, knowing you have the right coverage, at the right price, from a team that cares.

Get started now. Click the button below to get your free quote!

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Let’s Partner To Get You The Best Car Insurance!

Protecting what matters most starts with the right car insurance. Are you confident in your current coverage? Take a moment to explore options that provide peace of mind without breaking the bank. Invest in your security and drive with confidence today.