Louisiana Minimum Auto Insurance Requirements (2024)

Louisiana is one of many U.S. states that has a car insurance mandate for its drivers.

As is the case in many other states, Louisiana auto insurance laws require drivers to buy certain levels of liability auto insurance, and additional insurance is available upon request.

Driving without insurance in Louisiana could result in substantial penalties and consequences, and it could make you ineligible for seeking damages through another person’s auto policy if you are involved in an accident. Read our Louisiana auto insurance guide to learn everything you need to know about state minimum requirements.

Compare car insurance quotes today to find the company that offers you the best rate for the coverage you need. Enter your ZIP code into our free quote tool above to get started.

Louisiana Car Insurance Requirements

All drivers should carefully review and comply with the Louisiana state minimum car insurance requirements, but you may also consider increasing your limits and buying other types of coverage.

After all, each coverage type can yield substantial benefits in different situations.

• Bodily Injury Liability – Louisiana drivers are required by law to purchase bodily injury liability insurance. This type of liability coverage makes it easier for you to be financially responsible for injuries that you cause to others because the benefits pay for other people’s medical bills or other expenses related to injuries.
• Personal Injury Protection (PIP) / Medical Payments – Louisiana makes its drivers take financial responsibility for the cost of other people’s medical expenses, but medical payments coverage for your own expenses is optional. You can choose if you want to add this type of coverage to your policy and what limit you desire if you do add it.
• Property Damage Liability – It is also a legal requirement for Louisiana drivers to be responsible for property damage and vehicle damage they cause for other people.
• Collision – Property damage liability insurance in Louisiana pays for vehicle expenses for other people if you cause the accident, but you will need collision or comprehensive insurance to pay for your own vehicle’s repairs or replacement.
• Comprehensive – A collision is only one of several types of events that could damage or destroy your vehicle. Comprehensive insurance pays for repair work or a full replacement for a wide range of events, including theft, severe weather damage, and more.
• Uninsured and Underinsured Motorist Coverage – Louisiana drivers can choose to add uninsured or underinsured motorist coverage to their policy as well. It will cover damage caused by someone without insurance.

Buying car insurance in Louisiana is a necessity, but you need to know what type of coverage to buy and how much of each type you need. Your policy will include a coverage limit for each type of insurance that you purchase.

Louisiana Minimum Auto Insurance Coverage

While you may have plans to buy extra or optional coverage types and increase your limits to enjoy great protection from your insurance policy, you need to confirm that your coverage complies with Louisiana’s auto insurance requirements. Louisiana’s car insurance minimums include:

• Bodily injury liability coverage of $15,000 per person
• Bodily injury liability coverage of $30,000 per accident
• Property damage liability insurance of $25,000 per accident

Louisiana’s minimum liability insurance enables drivers to be financially responsible for damages you cause while driving, and this can help you to avoid possibly being sued for damages.

There are some instances when Louisiana’s liability insurance coverage requirements may not apply to you.

For example, there are special situations for stored vehicles, commercial vehicles, and more, and you should analyze the special insurance requirements for these situations in Louisiana before you buy your insurance policy.

When You Do Not Comply With Louisiana Insurance Laws

The three primary reasons why you may need to show proof of auto coverage in this state are for vehicle registration, if you are in an accident, or if you are pulled over by law enforcement officials.

If state officials determine that you have not complied with Louisiana’s car insurance laws, you may be subject to penalties that include:

• Removal of your license plates from the vehicle
• Getting your vehicle impounded

Louisiana Auto Insurance Minimums vs. Recommended Coverage

Violating the car insurance laws in Louisiana can have noteworthy results in your life, and you understandably want to buy coverage today to prevent these consequences from affecting you.

Shopping for a new car insurance policy is easy to do when you request quotes online, but before you get to this step, you must decide how much insurance to buy.

The minimum liability car insurance requirements in Louisiana should be met if you want to avoid legal issues related to insurance, but you also should consider the advantages associated with buying optional coverage types and increasing your limits.

After all, all expenses are your responsibility regardless of whether your insurance benefits pay for them or not.

Carrying Only the Minimum Car Insurance in Louisiana

Driving without insurance even a single time in Louisiana can have expensive and devastating consequences for you, so you may need to shop around and set up coverage as soon as possible today.

After you take this step, you can request quotes online for the coverage types and limits you have selected. 

While you need to compare rates today to set up your policy without delay, you should also compare rates every six months going forward. By taking this step, you can identify lower rates that may be available to you in the future through other providers.

Enter your ZIP code below to begin comparing car insurance rates right away. You might be surprised by how much you can save!