Louisiana Minimum Auto Insurance Requirements in 2025 (See What All LA Drivers Need)

Louisiana minimum auto insurance requirements are 15/30/25. This means basic liability protection for all drivers. These rules help pay for bodily injury and property damage if you cause a car accident.

Drivers can add extra choices to their policies beyond the basic level. These extras might protect them from drivers without insurance or increase how much they are covered for if something happens, giving more financial safety overall.

Louisiana Minimum Auto Insurance Coverage Requirements & Limits

By knowing Louisiana’s insurance laws, drivers can feel sure about choosing coverage and make smart choices for following the rules and feeling secure personally. Explore how the best Louisiana auto insurance options can help you save.

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 Minimum Coverage Requirements & What They Cover

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.

Find out the minimum auto insurance requirements by state and how they vary. 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.
• Property Damage Liability: It is also a legal requirement for Louisiana drivers to be responsible for property damage and

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.

Cheapest Car Insurance in Louisiana

USAA is the most wallet-friendly, with getting a high 4.8 score for customer satisfaction. State Farm follows next, giving reliable coverage and has a 4.3 rating. Geico, rating 4.5 stars, is good for saving money and gives budget options for many needs.

The table below shows monthly auto insurance rates in different cities of Louisiana, giving an easy way to see cost variations by place. With prices between $78 and $98, drivers can understand how premiums change based on their location.

Monthly Auto Insurance Rates for Minimum Coverage in Louisiana by City

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. Explore how to find the cheapest liability-only auto insurance in your area.

Penalties for Driving Without Insurance in Louisiana

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

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. See how auto insurance laws vary and what they mean for you.

Other Coverage Options to Consider in Louisiana

The table details optional Louisiana coverages—medical payments, collision, and comprehensive—that protect against incidents not covered by basic liability insurance.

• 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.
• 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.

Louisiana drivers looking for added protection can choose optional coverages like Medical Payments or Personal Injury Protection for personal medical expenses, as well as collision, comprehensive, and uninsured motorist coverage to safeguard against accidents, weather damage, or uninsured drivers.

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.

If you live near the state line, you may spend a lot of time driving 🚗in a state you don’t reside in🏡. Does that affect insurance? Find out our recommendations for what to do as an out-of-state driver👉: https://t.co/tgh1ve6RrO pic.twitter.com/bA1wOXpxPw

— AutoInsurance.org (@AutoInsurance) November 6, 2024

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. Find out what are the recommended auto insurance coverage levels for optimal safety.

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. Uncover the best sites for where to buy auto insurance online today.

While you need to compare rates today to set up your policy without delay, you should also compare rates every six months. 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!