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Louisiana Car Insurance Guide

Navigating the car insurance industry in Louisiana can be challenging. We,, have compiled a list of information to help streamline the process. We want you to find the car insurance that best fits your needs- at the lowest rates. 

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Minimum Requirements

The minimum required car insurance for Louisiana is pretty low compared to other states. Regardless if you agree with it or not you have to have car insurance to drive legally. Here is a detailed list of the requirements and the limits:

Bodily Injury Liability Coverage $15,000 per person and $30,000 per accident.
Property Damage Liability Coverage $25,000 per accident. 


Do I Need More Than the Minimum Coverage?

Living in a state that is continuously plagued by natural disasters it is necessary to have as much coverage as possible, full coverage if you can afford it. Keep in mind the minimum coverage will not protect you from natural disasters. We always recommend purchasing the most insurance you can afford. If full coverage insurance doesn’t meet your needs there are plenty of additional coverages that can be added to the minimum required car insurance.


Additional Coverages Available

Here is a list of additional coverages and how they will provide coverage for you in the event you need them:

  • Personal Injury Protection- Depending on your state this type of insurance can be a requirement or an add on. Regardless of fault personal injury protection will cover medical expenses and loss of wages for you and your passengers (up to your limit). It also includes up to $5,000 for funeral expenses.

  • Collision Coverage- Collision insurance will cover repairs to your vehicle in an accident you are at fault for. 

  • Comprehensive Coverage- Comprehensive insurance covers you for other situations than a car accident; if you hit an animal, vandalism, fire, hail, flooding, or of your car is stolen. 

  • Uninsured/Underinsured Motorists- Optional coverage that protects you if you are involved in an accident with a driver who has no insurance or too little insurance to cover the accident. 

  • Medical Coverage- Optional coverage that will pay for medical bills when health insurance exceeds coverage amounts and covers medical expenses for you and your passengers. Do you walk or bike? This policy offers additional coverage if you are struck by a car in those instances. 

  • Gap Insurance- Optional coverage that will pay if you don’t own your car outright and have an accident. Gap insurance will pay the difference between the cash value of your car and the current balance on your loan or lease. This policy is best for newer non-owned cars. 


Teen Drives in Louisiana

Teens can begin the graduated drivers license program at the age of 15. This is when a teen needs to get insurance. Your premiums are going to go up drastically when adding a teen to your insurance policy. This is typically the cheapest option though. If the decision is made to get the teen their own policy, a guardian is still required to sign in most cases. Teens are held to the same standards as adults, so skipping out on insurance is not an option. 


Living with Multiple Drivers

Do you live in a house where there is more than one driver? It is important to inform your agent about all drivers in your household to avoid any lack of coverage, additional charges, or the potential they will no longer provide insurance for you. You can always exclude drivers if you do not want them on your policy. By doing this the insurance company will not cover them or your vehicle while they are driving it. You will be responsible for any monetary expenses out-of-pocket if you let an excluded driver use your vehicle. 


Penalties for Driving Without Car Insurance in Louisiana

Lousiana has some pretty laid back minimum car insurance requirements, however, their penalties are not as laid back. Louisiana employs a “no pay, no play” law. This law makes it difficult for a motorist who is not insured to sue the other party, even if they are at fault. The first $15,000 in bodily injuries and the first $25,000 in property damage will not be covered by insurance companies. 

Here is a list of additional penalties if you are not in compliance with the insurance laws:

  • First Offense- You will pay a $500-$1,000 DMV fee. Your registration and license plates will be suspended and your vehicle will be impounded. You will be barred from claiming losses in an accident. You will have to pay a $50 reinstatement fee plus a $10 reinstatement administration fee.

  • Second Offense- You will pay $500-$1,000 DMV fee. Your registration and license plates will be suspended and your vehicle will be impounded. You will be barred from claiming losses in an accident. You will have to pay $150 reinstatement fee plus a $10 reinstatement administration fee. 

  • Third and Subsequent Offenses- You will have to pay a $500-$1,000 DMV fee. Your registration and license plates will be suspended and your vehicle will be impounded. You will be barred from claiming losses in an accident. You will pay a $500 reinstatement fee plus a$10 reinstatement administration fee. 


Savings on Car Insurance in Louisiana

There are many options to save on car insurance these days. We always suggest asking for a full list of savings from your insurance company so you are aware of the savings that apply to you. This will help keep some money in your pocket. We have put together a list of common savings in Louisiana:

  • Good Driver- Maintain a good driving record free of accidents, tickets, and any moving violations. 

  • Multiple Policy- Most insurance companies will offer a discount for having multiple policies such as car insurance, renters insurance, homeowners insurance, or motorcycle insurance. 

  • Good Student- If you are a student enrolled in high school or college curriculum and maintaining a B average most companies offer a discount.


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