

Car Insurance in Covington,
LA – Drive With Confidence
TWFG Luarca Insurance believes every driver in Covington, LA, deserves auto insurance that's both affordable and tailored to their unique lifestyle. Whether you're a new driver, a high-risk policyholder, or someone simply exploring better coverage options, we provide car insurance in Covington, LA, that protects what matters most. Our team works closely with multiple top-rated carriers to ensure you get the most competitive rates and coverage that fits your driving habits.
From multi-vehicle discounts to bundling your auto insurance with homeowners' or renters' insurance, we offer options to help you save, without sacrificing protection.
Competitive Auto Insurance in Covington LA
Conveniently located at 1957 N Collins Blvd Ste B, Covington, our office is more than a place to get a quote—it's where coverage meets clarity. Our friendly agents take the time to understand your needs and explain policy details, helping you stay compliant with Louisiana driving laws while securing peace of mind.
Whether you're driving across Covington or commuting to Hammond, we tailor auto insurance, home insurance in Covington, LA, and surrounding areas like car insurance in Hammond, LA, to fit your route, lifestyle, and budget.
📞 Call (985) 242-4222 today to explore personalized auto, motorcycle, or commercial vehicle coverage.
Why Choose TWFG Luarca Insurance?
Save Up to 25%:
Smart choices can lead to big savings. We reward safe drivers and customers who bundle policies or insure multiple vehicles. Enjoy up to 25% savings on your premiums with discounts crafted just for you.
Flexible Payment Plans:
Life happens, and we get that. Our flexible payment schedules let you decide when, how, and what to pay, keeping your car insurance in Covington, LA, as stress-free as possible.
24/7 Access to Your Policy:
Your time matters. With our digital tools, you can easily download your auto ID cards, file claims, update personal info, or contact car insurance agents in Covington, LA—anytime, anywhere.
Requirements for Car Insurance Covington Louisiana
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Liability Insurance CoverageLouisiana law mandates liability insurance to pay for property damage or injuries you cause to others. However, it does not cover injuries you or your family may incur. You'll need additional coverages like Personal Injury Protection or Collision and Comprehensive to protect your medical expenses or vehicle. 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 Liability Limits in Louisiana: $15,000 for Bodily Injury (per person) $30,000 for Bodily Injury (per accident) $25,000 for Property Damage We always recommend reviewing and increasing your limits to strengthen your financial protection.
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Uninsured/Underinsured Motorist CoverageAccidents involving uninsured drivers are more common than you think. Although it's not mandatory, Louisiana law requires insurers to offer Uninsured/Underinsured Motorist (UM/UIM) coverage. This critical protection occurs when the at-fault driver doesn't carry adequate insurance. Minimum UM/UIM Limits: $15,000 for Bodily Injury (per person) $30,000 for Bodily Injury (per accident) Boosting these limits can significantly enhance your peace of mind.
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SR-22 InsuranceHave you been labeled a high-risk driver? If so, Louisiana law may require you to file an SR-22—proof of 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. The state typically mandates it 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? Have you been involved in an accident without proper insurance coverage? We assist drivers in obtaining and filing SR-22 forms efficiently, allowing them to regain their driving privileges confidently. If you fall into one of these categories, you may be required to obtain an SR-22 from your insurance provider to drive a vehicle, which will be filed with the Louisiana Office of Motor Vehicles (OMV). Drivers must maintain the SR-22 for a specified period, usually three years, to avoid further penalties or license suspension.
Additional Coverage Options
TWFG Luarca Insurance provides coverage options to help you tailor your plan. Explore add-ons that match your lifestyle:
Collision Coverage
Protects your car in an accident regardless of fault.
Personal Injury Protection (PIP)
Broader protection for lost wages,
rehabilitation, and more.
Comprehensive Coverage
Covers non-collision damage like theft, vandalism, or glass breaks.
Rental Reimbursement
Covers rental car costs during repairs.
Medical Payments (MedPay) Covers medical expenses for you and your passengers.
Roadside Assistance
Help is a call away for flat tires, towing, and lockouts.
We also offer flood insurance in covington to protect your vehicle from natural disasters not covered under basic auto policies.
How Much Does Car Insurance Cost in Louisiana?
On average, car insurance in Louisiana costs around $2,400 per year—one of the highest rates in the U.S. Factors like driving history, location, and vehicle type impact premiums.
But here's the good news: Our customers often save up to $900 annually by switching to TWFG Luarca Insurance. Our expert car insurance agents in Covington, LA, assess your needs and present you with the most budget-conscious solutions without compromising coverage.

Get a Free Car Insurance Quote Today
It's time to get the coverage you deserve. Contact TWFG Luarca Insurance for a custom car insurance quote in Covington, LA, tailored to your driving profile. We also proudly serve clients seeking car insurance in Tomball TX Hammond, LA, and surrounding areas.
Our licensed and experienced team is dedicated to making insurance simple and accessible. Whether you're comparing quotes or have questions about your existing policy, car insurance agents in Covington, LA, are here to help every step of the way.
Let us show you how experience, attention to detail, and access to top carriers can transform your insurance experience.
Meet Our Agents
Let's Get You Rolling
Frequently Asked Questions
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Liability Insurance CoverageLouisiana law mandates liability insurance to pay for property damage or injuries you cause to others. However, it does not cover injuries you or your family may incur. You'll need additional coverages like Personal Injury Protection or Collision and Comprehensive to protect your medical expenses or vehicle. 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 Liability Limits in Louisiana: $15,000 for Bodily Injury (per person) $30,000 for Bodily Injury (per accident) $25,000 for Property Damage We always recommend reviewing and increasing your limits to strengthen your financial protection.
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Uninsured/Underinsured Motorist CoverageAccidents involving uninsured drivers are more common than you think. Although it's not mandatory, Louisiana law requires insurers to offer Uninsured/Underinsured Motorist (UM/UIM) coverage. This critical protection occurs when the at-fault driver doesn't carry adequate insurance. Minimum UM/UIM Limits: $15,000 for Bodily Injury (per person) $30,000 for Bodily Injury (per accident) Boosting these limits can significantly enhance your peace of mind.
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SR-22 InsuranceHave you been labeled a high-risk driver? If so, Louisiana law may require you to file an SR-22—proof of 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. The state typically mandates it 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? Have you been involved in an accident without proper insurance coverage? We assist drivers in obtaining and filing SR-22 forms efficiently, allowing them to regain their driving privileges confidently. If you fall into one of these categories, you may be required to obtain an SR-22 from your insurance provider to drive a vehicle, which will be filed with the Louisiana Office of Motor Vehicles (OMV). Drivers must maintain the SR-22 for a specified period, usually three years, to avoid further penalties or license suspension.