Personal Auto Insurance

Car Insurance That Actually Protects You

We shop GEICO, Progressive, and more to find the best rate for your specific situation — not just the cheapest policy.

What's Covered

Liability Coverage

Covers injuries and property damage you cause to others. Louisiana minimum is 15/30/25 — we recommend significantly higher.

Collision Coverage

Repairs your vehicle after an accident regardless of fault. Required if you have a car loan or lease.

Comprehensive Coverage

Covers theft, weather damage, vandalism, and hitting an animal. Essential in Louisiana where hail and flooding are real risks.

Uninsured Motorist

Louisiana has one of the highest uninsured driver rates in the country. UM coverage protects you when the other driver has nothing.

Medical Payments

Covers medical bills for you and your passengers after an accident, regardless of fault.

Rental & Roadside

Keeps you moving if your car is in the shop or you're stranded on the side of the road.

Who It's For

Any driver in Louisiana or Texas — from first-time drivers to households with multiple vehicles and drivers.

Why Harbor Point

As an independent agency we're appointed with GEICO, Progressive, and other top carriers. That means we shop the market for you instead of selling you one company's products.

Get a Free Quote Today

We shop multiple carriers to find the best combination of coverage and price for your specific situation.

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