Known as "The Pelican State," Louisana truly needs a pelican's beak to contain all its fun. The state is most well known for its jazz music, Creole cuisine, and annual Mardi Gras festival.
Requirement : Yes
Car insurance is required in Louisiana . Drivers must have a minimum of liability coverage. Louisiana is a No Pay/No Play state, uninsured drivers are barred from making insurance claims regardless of fault. Under the No-Pay No-Play law, an uninsured party is banned from collecting:
Minimum Coverage Car Insurance Requirements:
A minimum liability insurance policy is required:
Other Car Insurance Coverage Options:
Liability and coverage is the only requirement for Louisiana motorist to have, there are several other types of coverage available to drivers:
Other Forms of Financial Responsibility:
Other legal ways around buying car insurance include:
Proof of Insurance: Yes
You must carry proof of insurance and registration with your vehicle at all times, you must also have proof of insurance in order to renew your registration. The insurance company (provider) will give you an insurance card as proof of insurance.
The card will include:
Violations, Fines & Penalties:
A SR22 may be required after a suspension in order to get your driver’s license reinstated. An SR22 certificate only certifies proof of insurance of minimum requirements, it is not insurance.
Reasons for required SR-22:
Your insurance company may charge you for the SR-22 certification for the Office of Motor Vehicles (OMV). SR-22 lapses are subject to a $60 fee to the OMV.
Credit Scores & Determining Your Insurance Premium :
All Louisiana drivers are required to have car insurance, however, insurance providers are reserved the right to deny coverage to high-risk drivers. High-risk drivers who are unable to find coverage may be eligible to apply for car insurance through the Louisiana Automobile Insurance Plan.
Other factors that may be used to determine your premiums include:
Discounts : Yes
Discounts available in Louisiana:
Drivers with “learners” or “intermediate” licenses are banned from all cellphone usage. All drivers are banned from texting while driving. Cell phone and texting violations are considered primary offenses. Violators face a $175 fine plus court costs.