General Motors Insurance Launches in Louisiana

News Summary

General Motors Insurance has officially launched its car insurance offerings in Louisiana, following recent legislative reforms aimed at enhancing the state’s insurance market. The initiative is expected to provide residents with more choices in their insurance options as Louisiana has one of the highest average car insurance premiums in the U.S. Governor Jeff Landry highlights this move as part of broader efforts to tackle rising insurance costs amidst a climate of legal reforms designed to improve market conditions.

Baton Rouge, Louisiana – General Motors Insurance has launched its car insurance offerings in Louisiana, a development highlighted by Governor Jeff Landry as a direct result of recent legislative reforms aimed at improving the state’s insurance market. The introduction of this new product is expected to provide residents with more choices in their car insurance options.

The Louisiana Department of Insurance (LDI) has confirmed that General Motors Insurance has been authorized to write car insurance in Louisiana since 2006 and has operated as a licensed producer agency since 2019. The recent new private passenger car insurance product developed by GM National Insurance Company was submitted for review in December 2024, approved in March 2025, and officially went into effect in July 2025.

According to Governor Landry, this launch is part of a broader effort to offer Louisiana families increased insurance alternatives amid a climate of legislative reforms aimed at tackling high car insurance rates in the state. Louisiana’s average annual car insurance premium is currently the highest in the United States, reaching approximately $3,036.

Insurance Commissioner Tim Temple noted that the legislative reforms, which encompass various bills aimed at restructuring the legal environment surrounding the insurance market, are intended to facilitate a more favorable setting for insurers while striving to contain premiums for consumers. These reforms include House Bill 436, which seeks to limit legal claims arising from auto accidents involving unauthorized immigrants, and House Bill 34, which would expand the admissibility of medical expense evidence in lawsuits.

Additionally, House Bill 435 proposes a cap on general damages in civil lawsuits at $5 million. This push for tort reform aims to reduce the frequency and severity of personal injury lawsuits, a significant contributing factor to soaring insurance costs.

The General Motors Insurance initiative is part of a trend that has seen the company expand its coverage offerings beyond Louisiana, providing insurance to drivers in Arkansas and Colorado regardless of whether they own a General Motors vehicle. This accessibility could potentially reshape the regional insurance landscape, enabling more drivers to find suitable coverage.

Despite past attempts at tort reform in Louisiana, particularly the efforts made in 2020 which failed to lower premiums, lawmakers are now pursuing new strategies to combat the persistent issue of rising insurance costs. Current discussions indicate that there may be further legislative sessions dedicated to insurance reform before the regular session resumes in April 2025.

In summary, the launch of General Motors Insurance in Louisiana represents a significant shift within the state’s car insurance market, driven by legislative reforms that aim to create a more competitive, consumer-friendly environment. As these new products and policies take effect, they may lead to notable changes in both options available for drivers and the landscape of car insurance premiums in Louisiana.

Deeper Dive: News & Info About This Topic

• GlobeNewswire: GoAuto Insurance Now Licensed in Georgia
• Unfiltered with Kiran: Louisiana Legislature Advances Bills to Reduce Car Insurance
• NOLA.com: Jeff Landry Seeks Balanced Approach on Car Insurance
• Encyclopedia Britannica: Car Insurance
• Google Search: Louisiana Car Insurance Reform