Car Insurance in Alexandria, LA

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Protect Your Vehicle in Alexandria

Alexandria is a city located in Rapides Parish, Louisiana. Positioned almost perfectly in the center of the state, Alexandria has more than 40,000 residents and is the ninth most populous city in Louisiana. Between commuting to work and school, visiting historical landmarks such as Magnolia Plantation and engaging in fun waterfront activities on the Red River, residents have plenty of reasons to spend time on the road every day.

The annual temperature in Alexandria ranges from 42 degrees to 92 degrees. While the winters are short and relatively mild, the summers are long and humid. The city experiences a significant number of overcast days and above-average rainfall each month, so drivers have an enhanced risk of being involved in an accident due to weather conditions.

In 2021, the state of Louisiana recorded 11 fatal car accidents within the city limits of Alexandria. Many more wrecks occurred that resulted in property damage and injury, so having good car insurance coverage is important for preserving your investment. VIU by HUB makes it easy for you to compare available rates and policies to find the one that offers the best coverage for the right price.

Find Comprehensive Car Insurance in Alexandria, LA

Alexandria has an ATRANS system that provides public transportation via bus. While many people enjoy the convenience of using a bus to travel, others prefer the freedom and flexibility of owning vehicles. If you own a car, you can move around Alexandria without needing to rely on bus schedules. VIU by HUB can help you find comprehensive coverage that protects your vehicle if you are ever involved in an accident.

Required and Optional Car Insurance Coverage in Alexandria

The state of Louisiana requires all drivers to carry minimal liability coverage. Although you may purchase a policy with more coverage, you must have minimal coverage to drive legally. Minimum standards include:

  • $25,000 worth of property damage
  • $30,000 worth of bodily injury liability for accidents involving two people
  • $15,000 worth of bodily injury per person

Motorists have the option to purchase more extensive coverage that offers additional protection in the event of an accident. Two of the most common coverage options include uninsured motorist and collision policies. An uninsured motorist policy covers the cost of property damage and medical expenses if you are hit by a driver who does not have adequate insurance. Collision coverage offers comprehensive protection from an accident.

Average Cost of Auto Insurance in Alexandria

Drivers across America pay average auto insurance premiums of $1,548. People pay slightly higher rates for car insurance in Alexandria, LA. The average premium for full coverage is $2,747. Minimum coverage averages $755 annually. The higher coverage rates are a result of a high population density and an increased risk of car accidents due to poor weather conditions.

Factors That Affect Car Insurance Rates in Alexandria

Car insurance providers look at various factors to determine coverage rates. Different providers offer various rates based on:

  • Personal information including gender and age
  • Driving history
  • The type of vehicle you drive
  • The number of drivers on your policy

If the cost of comprehensive car insurance in Alexandria, LA, concerns you, ask insurance providers about available discounts. Many providers have loyalty programs or offer discounts for bundling various policies together. Using the comparison feature from VIU by HUB helps you find a policy that meets your needs and fits well within your budget. 

This information is intended for general informational purposes only and is not intended to constitute legal advice. 


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Auto insurance in Louisiana by city

Understand risks, minimum state coverage requirements, average costs and other specifics that can impact auto insurance policies and premium rates in your city.