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Auto Insurance

Get the auto coverage you need

Auto insurance for Louisiana drivers

Turn to us for any auto insurance need

If you're involved in an accident on I-10, the Causeway, or a backroad in St. Tammany Parish, you want peace of mind that your insurance will cover the damage. The Stewart Agency helps Louisiana drivers choose an Allstate auto policy that keeps them protected without overpaying.

Louisiana requires every driver to carry liability insurance. We work with you to build a policy that meets the legal minimum and actually covers what you own.

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Coverage you can count on

Count on us to cover all of your needs

In a perfect world, accidents would be easy to avoid. If you get sideswiped on Perkins Road or hit from behind on the Northshore, trust that we're standing by to help. We'll find a policy that covers what you drive — on the road, off the road, or on the water.

  • Personal Auto
  • Motorcycle
  • Boat
  • ATV
  • Golf Cart
  • Classic Car
FAQ

Frequently Asked Questions

What's the minimum auto insurance required in Louisiana?
Louisiana requires liability coverage of at least 15/30/25 — that is, $15,000 for injuries per person, $30,000 total per accident, and $25,000 for property damage. This is the legal minimum, not what most drivers actually need. Louisiana also has a "No Pay, No Play" law that limits what an uninsured driver can recover after an accident. We recommend higher limits for anyone with assets to protect.
What's the difference between liability and full coverage?
Liability pays for damage you cause to other people and their property. Full coverage adds collision (damage to your own car in an accident) and comprehensive (theft, hail, fallen trees, animal strikes). If your car is financed or leased, lenders almost always require full coverage.
Why is auto insurance so expensive in Louisiana?
Louisiana consistently ranks among the most expensive states for auto insurance. The drivers behind it: high litigation rates, a long lawsuit window, severe weather exposure, and uninsured driver rates above the national average. We can't change the market, but we can make sure you're not overpaying for the coverage you have. Annual policy reviews catch cases where your rate drifted up or your coverage no longer matches your life.
How can I lower my auto insurance premium?
The biggest levers are raising your deductible, bundling auto with home, maintaining a clean driving record, improving your credit, and using telematics programs like Drivewise. We walk through every available discount with new clients and revisit them at every annual review.
Do you cover motorcycles, boats, ATVs, and golf carts?
Yes — we write separate specialty policies for motorcycles, boats, ATVs, and golf carts. These aren't automatically covered by your personal auto policy, so if you own any of them, make sure we know.
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