• Bodily Injury Liability: $15,000 per person, $30,000 per accident
• Property Damage Liability: $25,000
• Medical Payment Coverage: $1,000
• Uninsured/Underinsured Motorist Coverage: $15,000/$30,000

It's recommended that drivers carry the minimum amount of insurance required by the state, as well as comprehensive, collision and personal injury protection. Collision coverage helps pay for damages to your vehicle that result from an accident, while comprehensive coverage protects you from other incidents — such as theft, vandalism and falling rocks or trees. Personal Injury Protection (also known as medical payment coverage) pays for medical expenses if you or your passengers are hurt.

Car insurance premiums are influenced by a variety of factors. On average, a Louisiana driver may pay around $102.64 a month for comprehensive, collision and liability car insurance. Yet, these prices vary depending on your:

• Age
• Gender
• Credit
• Driving Record
• Location
• Vehicle(s)

Drivers under 25 will pay higher premiums, as will those with poor credit or bad driving records. Your location influences your car insurance premiums, as well. For example, the average car insurance premium in Lafayette is $193.91 a month while the average premium in New Orleans is $259.16 a month. Fill out an online quote form today to find out how much it will cost to insure your vehicle.

The cheapest car to insure is the Honda Odyssey LX.But the most common vehicle insured in Louisiana is a Ford F150.

Full coverage usually includes comprehensive, collision, liability, personal injury protection and uninsured/underinsured motorist coverage. Full coverage generally costs $1,433.70 a year in Louisiana.