How It Works
Enter your ZIP code and tell us what coverage you are looking for in Louisiana
See what Louisiana requires and compare quotes from licensed carriers
Choose coverage that meets Louisiana requirements and get proof of insurance
Coverage Options
Understanding your coverage options helps you build a policy that protects what matters — without paying for what you don't need.
Multi-Car Policy Structure
Two or more vehicles on a single policy, each with its own coverage level. The multi-car discount applies when all vehicles share one policy and typically the same garaging address.
Liability Insurance
Every vehicle on your multi-car policy must carry at least your state's minimum liability limits. Bodily-injury minimums range from $15,000 to $50,000 per person across states; property-damage minimums range from $5,000 to $50,000.
Full Coverage Per Vehicle
Add collision and comprehensive to any vehicle on your multi-car policy. One car can carry full coverage while another carries liability only — coverage levels are set per vehicle, not per policy.
Uninsured Motorist Coverage
Pays for injuries and damage when an uninsured driver hits you. Required in 22 states. Applies to every vehicle on your multi-car policy when mandated by your state.
