What are state minimums for car insurance in Louisiana?

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Things to remember...
  • Drivers in Louisiana are legally required to have car insurance
  • Those who are not insured properly may face numerous penalties and may not be able to seek damages from someone else’s car insurance policy
  • Liability car insurance is required at moderate levels for Louisiana drivers, but you can choose to buy more coverage as desired
  • Shopping around for new Louisiana car insurance rates every six months will help you to find a great price on the coverage you need

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 requires its drivers to buy certain levels of liability auto insurance, and additional insurance is available upon request.

Driving without insurance in this state 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.

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How to Read Car Insurance Requirements

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All Louisiana drivers should carefully review and comply with the state’s minimum liability 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.

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  1. http://www.iii.org/issue-update/compulsory-auto-uninsured-motorists
  2. http://www.iii.org/article/what-covered-basic-auto-insurance-policy
  3. https://www.iii.org/fact-statistic/facts-statistics-uninsured-motorists
  4. http://www.360financialliteracy.org/Topics/Insurance/Cars-Auto-Insurance/State-by-State-Minimum-Coverage-Requirements
  5. http://www.iii.org/article/eight-auto-insurance-myths

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