Car Insurance
Covington, LA
At TWFG Luarca Insurance, we specialize in providing affordable car insurance tailored to the unique needs of drivers in Covington, Louisiana. Additionally, we assist those who may be considered high-risk or have faced challenges securing coverage with other insurers. We understand that every driver deserves protection, which is why we offer a variety of discounts, including good-student, multi-car, and multi-product options, to help you save on your policy.
Competitive Car Insurance in Covington LA
Located at 1957 N Collins Blvd Ste B in Covington, our dedicated representatives are here to help you customize your insurance coverage to comply with Louisiana driving laws. As members of your community, we also provide local discounts and promotions for various insurance products, including life, motorcycle, and commercial vehicle coverage. Don’t hesitate to call us at (985) 242-4222 to learn more about your options.
Why Choose TWFG Luarca Insurance?
Save Up to 25%:
Benefit from significant savings on your auto insurance through safe driving, multi-product options, and various discounts tailored to your needs.
Flexible Payment Plans:
Enjoy the freedom to choose how, when, and what you pay, making your insurance more manageable.
24/7 Access to Your Policy:
Easily access your policy documents and auto ID cards, file claims, submit service requests, and contact your agent anytime.
Louisiana Requirements for Car Insurance
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Liability Insurance CoverageLiability insurance is required by law to cover property damage or bodily injuries resulting from an accident you cause. However, it does not cover injuries you or your family; for that, you will need Personal Injury Protection and Medical Payments coverage. Additionally, Liability coverage does not protect your vehicle, which is where Collision and Comprehensive coverages come into play. These extra options can prevent hefty expenses following an accident. Minimum Required Liability Coverage in Louisiana: $15,000 for Bodily Injury (per person) $30,000 for Bodily Injury (per accident) $25,000 for Property Damage You can always choose higher limits for added protection.
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Uninsured/Underinsured Motorist CoverageLouisiana Law requires insurance carriers to offer Uninsured/Underinsured Motorist (UM/UIM) coverage, however it is not a mandatory component of your auto insurance policy. This coverage protects you in the event of an accident caused by a driver lacking insurance or insufficient coverage. Minimum Required UM/UIM Coverage in Louisiana: $15,000 for Bodily Injury (per person) $30,000 for Bodily Injury (per accident) You can select higher limits if you desire increased protection.
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SR-22 InsuranceSR-22 insurance serves as a liability document for high-risk drivers. It demonstrates your financial responsibility and guarantees coverage for a specified period. If your policy is canceled or lapses, your insurer must notify the Louisiana Office of Motor Vehicles (OMV). Louisiana law requires an SR-22 in certain situations. It is typically mandated by the state for drivers who have: Been convicted of driving under the influence (DUI) or driving while intoxicated (DWI). Had their license suspended or revoked due to serious traffic violations. Been involved in an accident without proper insurance coverage. If you fall into one of these categories, you must obtain an SR-22 from your insurance provider, which will be filed with the Louisiana Office of Motor Vehicles (OMV). It's important to maintain the SR-22 for a specified period, usually three years, to avoid further penalties or license suspension.
Additional Coverage Options
Collision Coverage
Rental Car Coverage
Personal Injury Protections
Medical Payments
Comprehensive Covers
(including glass protections)
Roadside Assistance
Average Cost of Car Insurance in Louisiana
The average annual cost of car insurance in Louisiana is approximately $2,400, making it one of the highest in the nation. While high-risk drivers can elevate rates, at TWFG Luarca Insurance, we focus on fair pricing. Our clients may save up to $900 annually while enjoying straightforward and equitable coverage.
