Auto Insurance for Every Vehicle on the Road—or Water

Driving or towing in Louisiana? Whether it’s your daily driver, weekend toy, or seasonal ride, we offer reliable coverage for almost every kind of vehicle. Based in Bossier City, LA, and serving all surrounding areas, including Bossier, Caddo, Webster, and DeSoto Parishes, our family-run agency has helped Louisiana drivers stay protected since 1982. From personal vehicles to motorcycles, RVs, boats, ATVs, and trailers—Maddox and Hughes Insurance Agency Inc. helps you insure what moves you.

Personal Auto Insurance That Fits Your Life

We work with top insurance carriers to provide coverage that can protect your vehicle, your passengers, and your financial future. Whether you want minimum liability limits or better coverage with comprehensive and collision, we’ll help you tailor a plan that fits your needs and budget.

Coverage Options Include:

  • Bodily Injury and Property Damage Liability
  • Uninsured/Underinsured Motorist
  • Comprehensive and Collision Coverage
  • Medical Payments
  • Roadside Assistance and Rental Reimbursement

Recreational and Specialty Vehicle Insurance

Your toys deserve protection too. If you own recreational vehicles or trailers, we offer specialized coverage that accounts for the unique risks they face.

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RV and Camper Insurance

Protect your home on wheels. RV insurance covers both the vehicle and the living quarters inside, including personal belongings, liability, and more—whether you travel part-time or full-time.

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Trailer Insurance

We cover utility trailers, enclosed trailers, and travel trailers. This can include protection for damage, theft, and liability if your trailer causes injury or property damage while being pulled by a covered vehicle.

Motorcycle and Boat Insurance

We insure more than just cars—our policies keep you covered on two wheels or out on the water.

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Motorcycle Coverage

From cruisers to sport bikes, we’ll help you find coverage that includes bodily injury liability, collision, custom parts, and roadside support.

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Boat and Personal Watercraft Insurance

We insure a variety of watercraft, including fishing boats, pontoons, jet skis, and more. Policies can include damage protection, liability coverage, theft, and trailer insurance for transport.

Commercial Auto Insurance for Business Vehicles

If your business uses vehicles for deliveries, service calls, or job site transportation, you need more than personal auto insurance. We offer commercial auto policies for small businesses, contractors, fleets, and more.

Coverage Options Include:

  • Liability for Property Damage and Bodily Injury
  • Physical Damage Coverage (Collision and Comprehensive)
  • Coverage for Owned, Leased, or Rented Vehicles
  • Options for Multiple Drivers and Vehicle Types

Whether you’re operating one truck or a fleet, we’ll help you stay compliant and protected every mile of the way.

Louisiana Commercial Auto Liability Requirements


Louisiana law requires all vehicles, personal and commercial, tocarry at least the state's 15/30/25 liability minimum: $15,000 bodily injuryper person, $30,000 bodily injury per accident, and $25,000 in property damageper accident. For many businesses, those minimums may not be enough. Contracts,industry requirements, and the realities of a serious accident can quicklyexceed state minimums. Businesses operating vehicles with a USDOT number, aMotor Carrier designation, or Louisiana DOTD classification may face additionalfederal or state filing requirements beyond the standard limits.



Working with an independent agency matters here. Rather thanbeing tied to one carrier's options, Maddox and Hughes can shop multiple"A"-rated carriers to find limits that actually match your business'srisk.

  • What Does Commercial Auto Insurance Cover?

    Commercial auto insurance can cover liability, physical damage to your business vehicles, medical payments, and uninsured motorist protection. Coverage options may also include trailer insurance for transport and theft protection. Because Maddox and Hughes Insurance Agency Inc. works with multiple carriers, the team can compare options and match your business with a policy designed around your specific operations. Call (318) 746-4300  for a free commercial auto quote, or contact our team online  to get started.

  • How Is Commercial Auto Different From Personal Auto?

    A personal auto policy covers commuting and everyday errands, not business operations. If your vehicle is used for deliveries, hauling supplies, or transporting clients, a personal policy may leave you exposed. This type of coverage is structured for business use, typically offering higher liability limits, coverage for employee drivers, and options suited to the type of work you perform. Mixing the two can create coverage gaps that only surface at claim time.

  • What About Fleet or Multi-Vehicle Coverage?

    If your business operates more than one vehicle, a fleet or multi-vehicle commercial auto policy may simplify coverage and management. Whether you run a small fleet of service vans across Northwest Louisiana or a handful of delivery trucks, Maddox and Hughes can help structure coverage that keeps your entire operation compliant and protected.

Let’s Get You Rolling—or Boating—With the Right Coverage

No matter what you drive, tow, or ride, our Bossier City team will help you find the great auto insurance. Call now for a free quote or stop by to speak with a local agent who understands Louisiana drivers.

(318)746-4300