Personal Auto Insurance In Louisiana

Whether searching for Auto Insurance in the general New Orleans area or any other city in Louisiana, we will help you save money on your policy without compromising the quality of your coverage.

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Importance of Having Proper Coverage

Louisiana Required Coverage Minimums

Explanation of Coverages and Terms

How Are Rates Determined?

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Importance of Having Proper, Legal Auto Coverage

Louisiana Required Auto Coverage Minimums


Although Louisiana allows you to purchase a minimum amount of coverage to legally operate your vehicle in this state, it is recommended that you purchase coverage above the minimum requirements to account for the rising costs associated with accidents and resulting injuries. Additional costs above your minimum requirements will come out of your own pockets if you only have the bare minimum coverage requirements. 

- Kevin Jones Jr., CEO of Empyral Insurance Group, LLC

Explanation of Coverages and Terms

We don't just let you purchase an auto policy and send you on your way. We make sure you are familiar with at least the basic terms you'll encounter through your policy. Read below for some common terms and definitions you need to familiarize yourself with.

Comprehensive Coverage ("Other Than Collision")

This type of coverage, also referred to as "Other than collision" coverage in some states, though not mandatory, affords you additional coverage you will not find under your basic policy. There are some events that are out of your control, and comprehensive coverage can assure you don't have to come out of pocket if and when these events occur. Events include, but are not limited to, accidents with animals, broken glass or windshield, vandalism, fire, acts of God and nature (including weather), etc.

Collision Coverage

This coverage provides you the ability to have your own vehicle repaired or replaced in the event of an accident with another vehicle or object. Collision coverage is optional and includes repairs for damages caused by incidents involving: potholes, run ins with trees, poles, other covered stationary or moving objects, and more. Deductibles are required before your insurance kicks in to pay for the repairs or replacement costs of your vehicle. The higher the deductible, the lower your premium, just as with most other coverage options.

Property Damage

Property Damage is liability insurance that helps you pay for damage to someone else's property if it's determined that you are at fault. Without property damage insurance you would have to pay the costs associated with damaging someone's vehicle from your own pockets. 

Bodily Injury Liability

Bodily Injury liability insurance pays for the bodily injury to the other party involved in an accident in which you are at fault. This coverage does not provide payments for your own injuries in an accident. If you are involved in an accident and are found to be at fault, your insurance company will pay the bodily injury costs of the other party up to the policy limits you select at the time you purchase your policy. Any amount over your specified coverage limits requires you to pay the remaining amounts out of pocket. So as with any coverage, consider selecting a coverage higher than the minimum state requirements if able.

Un-insured Motorist Liability Coverage

Un-insured Motorist Liability insurance is a type of coverage that pays for the damages caused to your vehicle if you or a qualified family member are involved in an accident with a driver who is not insured. With 1 in 7 drivers driving without insurance, it makes sense to have un-insured motorist liability coverage as a part of your policy. There is an additional premium involved. And although in some states this coverage is mandatory, in Louisiana it is optional.

Under-insured Motorist Liability Coverage

Similar to un-insured motorist liability insurance, this coverage pays for damages to your vehicle in the event you or a qualified family member is involved in an accident where the other person is at fault but their insurance limits are too low to cover the full cost of your damages. Without this coverage, any amount over the other party's coverage limits would come out of your own pocket.

Common Auto Insurance Rating Variables

Age, Sex, Marital Status

Statistically, drivers under age 25 are responsible for a large number of accidents. Many of the people involved are males and are single. Premiums reflect this statistic. This is just one of many age, sex, and marital status metrics used to determine rates. Younger drivers that are currently in school or whom have graduated from a higher learning institution are generally provided discounts to offset the higher rates.

Credit History

As much as we'd like to avoid it, credit is here to stay and is a major part of our lives in virtually every way in modern society. Driving is no exception. Insurance providers refer to certain parts of your credit report to measure how responsible you are and to gauge potential claims. So in essence, your credit history can be used as a risk assessment which can negatively or positively impact your insurance rate, depending on what's in your report. 

Household Drivers

Insurance companies review the ages and driving records of the entire household to help them gauge what the likelihood of a loss will be. The younger the drivers in your household, the more likely you'll have higher premiums, as young drivers, typically those 25 or younger, are statistically more likely to be involved in an accident.


Safety ratings and safety features found on vehicles, or the lack thereof, can have either a positive or negative impact on your insurance rating. Insurers offer discounts to vehicles with higher safety ratings because statistically, vehicles with higher safety ratings are safer to drive, outside of uncontrollable variables such as drivers and road conditions.

Use of Vehicle

In general, the more miles you drive in a year, the more at risk you are of having an accident. With this in mind, insurance carriers offer discounts to drivers who intend to drive less in a given year, as this statistically decreases the risk of accidents. For example, a driver who uses her vehicle to commute to and from school a few hours each week is statistically at a lower risk of accidents than someone who uses her vehicle to travel everyday as a condition of her employment. The latter person, because she drives more often, is considered a higher risk, even if her job isn't necessarily classified as a high risk job.


Deductibles are the amounts you must pay before the insurance company pays a claim. Deductibles also impact your rates. In general, the higher the deductible the lower your rate. Conversely, the lower your deductible the higher your rate.

Where You Live

You may have noticed that when you get quotes for insurance, the rates change according to the zip code you reside in. This is because crimes such as auto theft, vandalism, etc, are higher in some zip codes than in others. This creates a higher risk potential in the eyes of insurers and as a result causes rates to be higher. In general, rates can be higher or lower depending on which zip code you fall into.

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Empyral Insurance Group, LLC

1615 Poydras, Suite 900, New Orleans, LA. 70112 (888) 558-6045



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