120+ more*Quotes generated for Insurify users from Louisiana within the last 10 days. Last updated on November 9, 2026. Actual quotes may vary based on the policy buyer’s unique driver profile.
*Quotes generated for Insurify users from Louisiana within the last 10 days. Last updated on November 9, 2026. Actual quotes may vary based on the policy buyer’s unique driver profile.
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8+ years writing for major outlets, including MarketWatch and Business Insider
Master’s in Education
Taylor Mlam-Samuel is a personal finance writer and credentialed educator. When she’s not helping readers better save and spend money, she can be found teaching.
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Licensed property and casualty insurance agent
10+ years editing experience
NPN: 20461358
John is Insurify’s Chief Copy Editor, helping ensure the accuracy and readability of Insurify’s content. He’s a licensed agent specializing in home and car insurance topics.
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25 years teaching risk management and insurance course
Former commercial lines underwriter
David is the managing director of the Brantley Risk and Insurance Center. He has been quoted by The New York Times and CNN.
Updated
Coverage | Minimum Requirement in Louisiana |
|---|---|
| Bodily injury liability | $15,000 per person/$30,000 per accident |
| Property damage liability | $25,000 per accident |
Louisiana auto insurance law requires drivers to carry at least 15/30/25 in liability coverage.[1] The Pelican State has some of the lowest minimum-coverage requirements in the country. But Louisiana set the limits in 2008 and hasn’t adjusted them for inflation or rising repair costs, so carrying only the minimum insurance might not give you enough financial protection.
Insurance companies must offer uninsured motorist coverage, but you can decline it in writing. Louisiana has fewer uninsured drivers than the national average, according to Insurance Research Council data, and the state’s laws aim to keep it that way. The state’s recent “no-pay, no-play” law says that uninsured drivers can’t recover the first $100,000 of bodily injury or property damage.
In mid-2025, Louisiana Gov. Jeff Landry also updated the state’s comparative fault rule. Now, if a court finds that you’re 51% or more at fault after an accident, you can no longer recover damages for medical bills or property repairs. But if you’re less than 51% at fault, you can still recover damages up to your percentage of negligence.[2]
The Louisiana Department of Insurance requires at least $15,000 in coverage per person and $30,000 per accident for injuries you cause. So if you injure someone and their medical bills are $40,000, your insurance would cover up to $15,000, and you’d be responsible for the remaining $25,000.
In comparison, most states require at least $25,000 per person and $50,000 per accident in bodily injury liability.
You must have at least $25,000 in property damage coverage for each accident you cause. This is higher than most states, but it still might not be enough. For instance, if you cause an accident and total a $50,000 pickup truck, the most popular vehicle in Louisiana, your insurance would only pay up to $25,000, and you’d be responsible for the other $25,000.
Liability policies average $106/mo.
Louisiana’s minimum liability insurance requirements usually don’t offer enough financial protection for most drivers. The limits are lower than most other states, and repairs and medical expenses from accidents often cost more than the minimum coverage provides. So drivers might want to choose higher coverage amounts to avoid paying out of pocket after a crash.
Liability-only insurance won’t cover your vehicle. But full coverage includes both comprehensive and collision insurance, so it pays for damage to your car even in at-fault accidents.
Full coverage also protects your car against other risks, such as severe weather, which happens often in Louisiana. The state has had more than 100 severe weather events in recent decades, causing billions of dollars in damage.[3]
Coverage | Recommended Coverage Amount |
|---|---|
| Bodily injury liability | $100,000 per person/$300,000 per accident |
| Property damage liability | $100,000 per accident |
| Uninsured/underinsured motorist (UM/UIM) | Match UM/UIM limits to liability limits |
| Comprehensive and collision | $500–$1,000 deductible |
| Medical payments | Not necessary if you have health insurance |
Louisiana doesn’t require comprehensive or collision coverage. But if you’re one of the 27% of Louisiana drivers who finance their vehicle or 2% of drivers who lease, according to Insurify data, your lender may require both types of coverage.
Your lender can also get force-placed insurance if you let your coverage lapse. But this type of insurance only protects the lender and usually costs more than a standard car insurance policy.
The average Louisiana driver pays $106 each month for liability coverage and $208 for full-coverage insurance. Although the state’s required coverage limits are low and insurers pay out less per injury claim on average, Louisiana car insurance rates remain high compared to other states.
Louisiana drivers pay more for car insurance for several reasons, including a high rate of claims and multi-car crashes. Nearly half of property damage claims in the state include a bodily injury claim, compared to 25% nationally, according to Insurance Information Institute (Triple-I) data.
And since minimum-coverage requirements are low, more than 35% of multi-car crashes in Louisiana involve at-fault drivers whose insurance doesn’t fully cover the damages.
Insurance Company | Average Monthly Quote |
|---|---|
| State Farm | $52 |
| National General | $62 |
| Progressive | $62 |
| USAA | $66 |
| Allstate | $79 |
| GEICO | $87 |
| Direct Auto | $88 |
| The General | $103 |
| Bristol West | $120 |
| Root | $146 |
| Safeco | $158 |
| Hugo | $248 |
Louisiana offers some state programs and rules to help drivers get and keep auto insurance. If regular insurers reject your application, you can apply for coverage through the Louisiana Automobile Insurance Plan. Any licensed agent in the state can help you secure this coverage.[4]
Insurers in Louisiana can use your credit information to set your rates. But they can’t deny, cancel, or refuse to renew your policy just because of your credit.[5]
If you drive without car insurance in Louisiana, you could face fines, have your car impounded, or lose your license. Here’s what you can expect if law enforcement catches you driving without coverage.
Fines: If you drive without insurance, or let someone else drive your uninsured car, Louisiana can fine you between $500 and $1,000.[6]
Accident penalties: If you have an accident with an uninsured vehicle, you could face a fine of $500–$1,000. The state will also revoke your registration and suspend your license for 180 days.
Impoundment: If you can’t show proof of insurance, the state may impound your vehicle. You’ll have three business days to provide proof, but if you don’t show proof within 60 days, the state will destroy your license plate and cancel your registration.
Reinstatement fees: Fees increase with each offense. The first offense costs $100, the second $250, and each additional offense costs $500.[7]
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Louisiana drivers often deal with uninsured motorists, harsh weather, and frequent accidents. The following optional coverages can help protect you:
Uninsured/underinsured motorist: Around 11.7% of Louisiana drivers don’t have insurance, according to Insurance Research Council data, and in more than 35% of multi-car accidents, the at-fault driver’s coverage isn’t enough. UM/UIM insurance helps cover your costs if the other driver is uninsured or underinsured.
Comprehensive: From 2020 to 2024, Louisiana had an average of 6.8 major weather disasters each year, according to National Oceanic and Atmospheric Administration data. Comprehensive coverage helps pay for damage from floods, hail, snow, and other events.
Collision: Car accidents happen more often in Louisiana than in other states, according to Triple-I data. Collision coverage helps pay for repairs to your car if you cause an accident.
Medical payments (MedPay): In Louisiana, 49% of property damage claims also involve injuries.[8] MedPay helps pay medical bills no matter who caused the accident. If you have health insurance, you may not need it, but it can help the 9% of people younger than 65 in Louisiana without health coverage.[9]
Gap insurance: Gap insurance pays the difference between what you owe on your car and what your insurer pays if you total your car.
Here are answers to some of the most common questions about auto insurance in Louisiana.
Louisiana’s 15/30/25 minimums are lower than the bodily injury minimums in 45 states and Washington, D.C. But its $25,000 property damage minimum is one of the highest in the country.
Probably. Accidents in Louisiana often cost more in damages than the state’s minimum limits can cover. If you have a car loan, your lender may also require comprehensive and collision coverage.
Insurance companies must report new and canceled policies to the state within 15 business days. Law enforcement can also check for proof of insurance during traffic stops or after a crash or other incident.
No, you don’t have to buy uninsured motorist coverage in Louisiana. Insurance companies don’t have to include it in Louisiana insurance policies, but you can sign a form to waive coverage. Before refusing coverage, keep in mind you may have to pay out of pocket if you have an accident with a driver who’s underinsured or doesn’t have coverage.
Yes, you can drive in Louisiana with out-of-state insurance. But you’ll need to keep that state’s required coverage and proof with you at all times when you’re on the road in Louisiana, since out-of-state vehicles may face impoundment if they lack proof of insurance.
Insurify data scientists analyzed more than 250 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 500+ 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:
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8+ years writing for major outlets, including MarketWatch and Business Insider
Master’s in Education
Taylor Mlam-Samuel is a personal finance writer and credentialed educator. When she’s not helping readers better save and spend money, she can be found teaching.
Licensed property and casualty insurance agent
10+ years editing experience
NPN: 20461358
John is Insurify’s Chief Copy Editor, helping ensure the accuracy and readability of Insurify’s content. He’s a licensed agent specializing in home and car insurance topics.
25 years teaching risk management and insurance course
Former commercial lines underwriter
David is the managing director of the Brantley Risk and Insurance Center. He has been quoted by The New York Times and CNN.
At Insurify, our goal is to help customers compare insurance products and find the best policy for them. We strive to provide open, honest, and unbiased information about the insurance products and services we review. Our hard-working team of data analysts, insurance experts, insurance agents, editors and writers, has put in thousands of hours of research to create the content found on our site.
We do receive compensation when a sale or referral occurs from many of the insurance providers and marketing partners on our site. That may impact which products we display and where they appear on our site. But it does not influence our meticulously researched editorial content, what we write about, or any reviews or recommendations we may make. We do not guarantee favorable reviews or any coverage at all in exchange for compensation.
