+100 more*Quotes generated for Insurify users from Louisiana within the last 10 days. Last updated on October 29, 2024
*Quotes generated for Insurify users from Louisiana within the last 10 days. Last updated on October 29, 2024
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8 years in insurance and personal finance writing
Former data scientist for U.S. Geological Survey
Lindsay is a freelance personal finance writer currently pursuing her Series 65 license. She enjoys helping readers learn money management skills that improve their lives.
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3+ years producing insurance and personal finance content
Main architect of the Insurify Quality Score
Courtney’s deep personal finance knowledge extends beyond insurance to credit cards, consumer lending, and banking. She thrives on creating actionable content.
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Updated October 29, 2024
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Like most states, Louisiana sets minimum requirements for car insurance that residents must purchase to register a car. Louisiana drivers must have at least $15,000 per person and $30,000 per accident in bodily injury liability coverage and $25,000 per accident in property damage liability coverage.[1]
You may need additional coverage in some situations, but it’s important to have at least state-minimum coverage, or you may face penalties. You can typically find the cheapest rates in Louisiana if you compare quotes and shop around. Here’s what you need to know about Louisiana car insurance coverage.
Louisiana state law requires all vehicle owners to purchase a policy with minimum liability limits of bodily injury and property damage liability coverage.[1] Here’s what that means and what these coverages pay for.
Bodily injury liability insurance reimburses someone for injuries and medical expenses from an accident that you cause.
In Louisiana, you must purchase bodily injury liability coverage with policy limits of at least $15,000 per person and $30,000 per accident. That means if you injure two people in one car accident, your insurer will cover their medical bills up to $30,000.
Anything beyond that limit is your responsibility. If you cause an accident that results in more than $30,000 in injuries, you’re liable for paying the remaining costs out of pocket.
Property damage liability coverage reimburses someone for any property you damage in an accident. This usually means the other parties’ vehicles, but it can include personal belongings inside a car, someone’s home, landscaping, buildings, and more.
Louisiana car insurance requirements state that you must purchase enough property damage coverage to reimburse someone for up to $25,000 if you damage their property with your car. For amounts more than that — such as if you damage someone’s new car worth $35,000 — you’re personally on the hook for the costs.
See personalized quotes as low as $70 per month in minutes
Louisiana’s “No-Pay, No-Play” law penalizes uninsured drivers by restricting their ability to file insurance claims if they sustain damages and injuries in an accident, even if they weren’t the one at fault.
Uninsured drivers don’t receive the first $25,000 in property damage liability or $15,000 in bodily injury liability claims from the other driver.[1]
The minimum liability coverage will protect you against financial losses up to a certain amount, but beyond that, you’re on the hook.
For this reason, you may purchase higher liability limits. Many financial experts recommend making sure you have at least enough coverage to match your financial assets since that’s the maximum amount of financial loss you might see. For example, if you have $100,000 in your financial accounts, $100,000 would be a good amount of minimum liability coverage to consider.
Liability coverage also doesn’t pay for your own damages. For more protection, you can purchase a full-coverage policy that includes liability, collision, comprehensive, and personal injury protection (PIP). These additional coverages pay for your own damages and injuries, regardless of fault.
Buying a policy with Louisiana’s minimum insurance requirements is the cheapest option, costing an average of $141 per month, according to Insurify data.
Here are the cheapest liability insurance companies in Louisiana for you to start your search.
Insurance Company ▲▼ | Average Monthly Quote ▲▼ |
|---|---|
| State Farm | $70 |
| USAA | $87 |
| National General | $96 |
| GEICO | $113 |
| Allstate | $113 |
| Direct Auto | $121 |
| Progressive | $134 |
| Clearcover | $163 |
| The General | $171 |
| Liberty Mutual | $187 |
| Bristol West | $221 |
| Root | $282 |
Louisiana law doesn’t require full coverage, but your lender may require it if you finance or lease your car. A full-coverage policy typically includes two extra types of insurance products designed to protect your vehicle: collision and comprehensive. The average full-coverage policy costs $265 per month in Louisiana.
Collision coverage pays for damage to your car if you hit another vehicle or a stationary object, like a light pole or fence. Comprehensive coverage pays for damages from non-collision sources, like theft, fires, floods, falling trees, and storm damage.
Here are the cheapest insurers in Louisiana for full-coverage auto policies.
Insurance Company ▲▼ | Average Monthly Quote ▲▼ |
|---|---|
| State Farm | $116 |
| USAA | $146 |
| Allstate | $189 |
| GEICO | $190 |
| National General | $191 |
| Progressive | $225 |
| Direct Auto | $228 |
| Clearcover | $259 |
| Liberty Mutual | $282 |
| The General | $339 |
| Bristol West | $427 |
| Root | $428 |
Louisiana auto insurance laws outline penalties you may face if you drive without proof of insurance. The following fines and penalties may apply:[1]
Fine of $500 to $1,000
Vehicle impoundment
License plate cancelation
Vehicle registration revocation
Driver’s license suspension
Forfeit the first $15,000 to $25,000 in claims after a not-at-fault accident
If and when you’re eligible to have your license and registration reinstated, you may pay additional costs and fees. You may need to purchase a high-risk car insurance policy and ask your insurer to file a form SR-22 with the office of motor vehicles for three years.
Rates start at $70 per month
While Louisiana law only requires bodily injury and property damage liability coverage, you may want more coverages. Consider the following endorsements you can add to your policy for more protection on the road:
Nearly 12% of Louisiana drivers are uninsured, meaning you won’t be able to file any bodily injury or property damage claim against them if they cause an accident. This coverage pays for your damages and injuries if someone without insurance or without enough insurance causes an accident.[2]
Roadside assistance coverage reimburses you for help you need on the road, like gas delivery, towing, battery jump-starts, tire changes, and more.
Medical payments (MedPay) coverage pays for any medical expenses for you and anyone else riding in your car if you’re involved in an accident.
Check out Insurify’s report on the average cost of car insurance, and learn the answers to questions about Louisiana’s coverage requirements below.
Yes. Louisiana requires all drivers to purchase a 15/30/25 car insurance policy. This translates to $15,000 per person and $30,000 per accident for bodily injury liability coverage and $25,000 per accident for property damage liability coverage.[1]
No. Louisiana doesn’t require full-coverage insurance, but your lender may require it if you financed or leased your car.
Yes. To register a car under your name in Louisiana, you must first purchase a car insurance policy with limits of at least 15/30/25.
If you already have car insurance, your current coverage may extend to your new car for 30 days to give you time to buy another policy for your new car, but it depends on your insurance company. You should call your insurer before buying a car to check its policy.[3]
In general, car insurance follows the car when you give permission for someone else to drive it. Your car insurance may also follow you in some cases, including if you’re renting a car while on vacation.
Insurify data scientists analyzed more than 90 million quotes served to car insurance applicants in Insurify’s proprietary database to calculate the premium averages displayed on this page. These premiums are real quotes that come directly from Insurify’s 50+ partner insurance companies in all 50 states and Washington, D.C. Quote averages represent the median price for a quote across the given coverage level, driver subset, and geographic area.
Unless otherwise specified, quoted rates reflect the average cost for drivers between 20 and 70 years old with a clean driving record and average or better credit (a credit score of 600 or higher).
Liability-only premium averages correspond to policies with the following coverage limits:
Quotes for Allstate, Farmers, GEICO, State Farm, and USAA are estimates based on Quadrant Information Services’ database of auto insurance rates.
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Lindsay VanSomeren is a freelance personal finance writer living in Suquamish, WA. Her work has appeared with FICO, Credit Karma, The Balance, and more. She enjoys helping people learn how to manage their money better so they can live the life they want.
3+ years producing insurance and personal finance content
Main architect of the Insurify Quality Score
Courtney’s deep personal finance knowledge extends beyond insurance to credit cards, consumer lending, and banking. She thrives on creating actionable content.
Featured in
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