The legal requirement for car insurance in Louisiana is a 15/30/25 policy. Driving without insurance means giving up your right to claim reimbursement for damages and injuries after an accident.
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Las tarifas más baratas encontradas recientemente en Louisiana
Los conductores que utilizan Insurify han encontrado cotizaciones tan baratas como $66/mes para solo responsabilidad y $123/mes para cobertura total en Louisiana.
*Cotizaciones generadas para los usuarios de Insurify en los últimos 10 días. Actualizado el 2 de mayo de 2024
Las tarifas que se muestran son cotizaciones de usuarios de Insurify en tiempo real de más de 100 compañías de seguros y datos de Quadrant Information Services. El algoritmo de Insurify excluye las cotizaciones anómalas y anonimiza los datos personales. Luego, muestra las cotizaciones detalladas por precio, fecha y popularidad de la aseguradora hasta hace 10 días a partir de 2 de mayo de 2024. Las cotizaciones reales pueden variar según el perfil de conductor único del comprador de la póliza.
*Cotizaciones generadas para los usuarios de Insurify en los últimos 10 días. Actualizado el 2 de mayo de 2024
Las tarifas que se muestran son cotizaciones de usuarios de Insurify en tiempo real de más de 100 compañías de seguros y datos de Quadrant Information Services. El algoritmo de Insurify excluye las cotizaciones anómalas y anonimiza los datos personales. Luego, muestra las cotizaciones detalladas por precio, fecha y popularidad de la aseguradora hasta hace 10 días a partir de 2 de mayo de 2024. Las cotizaciones reales pueden variar según el perfil de conductor único del comprador de la póliza.
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 car insurance requirements
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.
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
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.
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Louisiana’s ‘No-Pay, No-Play’ law
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]
Do you need more than state-minimum coverage in Louisiana?
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.
Keep in Mind
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.
The cost of liability-only car insurance in Louisiana
Buying a policy with Louisiana’s minimum insurance requirements is the cheapest option, costing an average of $156 per month, according to Insurify data.
Here are the cheapest liability insurance companies in Louisiana for you to start your search.
The below rates are estimated rates current as of: miércoles, 1 de mayo, 0:00 p. m. GMT-7.
Insurance Company
Average Monthly Quote
State Farm
75
USAA
95
Allstate
122
GEICO
123
Direct Auto
128
Progressive
146
Clearcover
152
The General
162
Liberty Mutual
186
Midvale Home & Auto
232
Bristol West
240
Descargo de responsabilidad: Datos en esta tabla encontrados en cotizaciones reales de las 50+ aseguradoras asociadas con Insurify, más estimaciones de Quadrant Information Services. las cotizaciones reales variarán en función del perfil de conductor único del asegurado.
The cost of full-coverage car insurance in Louisiana
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 $307 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.
The below rates are estimated rates current as of: miércoles, 1 de mayo, 0:00 p. m. GMT-7.
Insurance Company
Average Monthly Quote
State Farm
123
USAA
154
Allstate
200
GEICO
200
Direct Auto
224
Progressive
238
Clearcover
249
Safeco
263
Liberty Mutual
280
The General
292
Midvale Home & Auto
306
Bristol West
427
Descargo de responsabilidad: Datos en esta tabla encontrados en cotizaciones reales de las 50+ aseguradoras asociadas con Insurify, más estimaciones de Quadrant Information Services. las cotizaciones reales variarán en función del perfil de conductor único del asegurado.
Penalties for driving without proof of insurance in Louisiana
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.
Find Liability Coverage in Louisiana
Rates start at $75 per month
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Optional car insurance coverages to consider
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:
Uninsured/underinsured motorist coverage
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
Roadside assistance coveragereimburses you for help you need on the road, like gas delivery, towing, battery jump-starts, tire changes, and more.
Medical payments (MedPay) coverage
Medical payments (MedPay) coveragepays for any medical expenses for you and anyone else riding in your car if you’re involved in an accident.
Louisiana car insurance requirements FAQs
Check out Insurify’s report on the average cost of car insurance, and learn the answers to questions about Louisiana’s coverage requirements below.
Does Louisiana require car insurance?
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]
Does Louisiana require full-coverage insurance?
No. Louisiana doesn’t require full-coverage insurance, but your lender may require it if you financed or leased your car.
Do you need car insurance to register a car in Louisiana?
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.
How much time do you have after buying a car to get insurance in Louisiana?
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]
Does insurance follow the car or the driver in Louisiana?
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.
Metodología
Las cotizaciones de seguros de auto que se muestran se basan en un análisis de la base de datos de Insurify de más de 40 millones de cotizaciones de 500 códigos ZIP a nivel nacional. Para obtener las tarifas representativas, el equipo de datos de Insurify realiza análisis exhaustivos frecuentes de los factores utilizados por las aseguradoras de autos para calcular tarifas, incluyendo datos demográficos del conductor, historia del conductor, puntuación de crédito, nivel de cobertura deseado y más.
El análisis de Insurify también incorpora la puntuación compuesta Insurify (ICS) asignada a cada compañía de seguros. La ICS es una puntuación propietaria que pesa factores que reflejan la calidad, fiabilidad y salud de una compañía de seguros. Las puntuaciones utilizadas para calcular la ICS incluyen las puntuaciones financieras de A.M. Best, Standard & Poor’s, Moody’s, y Fitch; puntuaciones de J.D. Power; encuestas de satisfacción de consumidores de Consumer Reports y denuncias de consumidores; opiniones de los usuarios en las aplicaciones móviles y opiniones de los usuarios en las compañías; y las opiniones de los usuarios en las compañías.
Con los análisis y métodos de clasificación anteriores, Insurify es capaz de ofrecer a los consumidores de seguros de autos una perspectiva de cómo varían las cotizaciones de las compañías de seguros en relación a uno a uno en términos de costo y calidad. Tenga en cuenta que las cotizaciones reales varían según los atributos únicos incluidos en la poliza del conductor y su dirección de garaje.
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