All Louisiana drivers must have car insurance. Louisiana-mandated insurance limits are 15/30/25 for liability coverage.
More specifically, your policy must include $15,000 of bodily injury liability per person, $30,000 of bodily injury liability per accident, and $25,000 of property damage liability per accident.
Driving without insurance could result in various legal penalties, such as fines or a license suspension. So, it's important to make sure that you have adequate coverage.
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Louisiana car insurance requirements
Louisiana drivers are required to have car insurance and to carry proof of insurance
while driving. Louisiana drivers also must show proof of insurance in order to obtain a driver’s license. Louisiana only mandates that drivers have liability coverage
, which includes bodily injury liability and property damage liability. Louisiana liability insurance law
Louisiana’s state-mandated car insurance limits for liability coverage are often referred to as 15/30/25 and are outlined below:
$30,000 in bodily injury liability per accident
It’s also a good idea to purchase higher liability limits if you are driving in Louisiana. For instance, $30,000 in bodily injury coverage won’t go very far if multiple people are seriously harmed in an accident for which you are at fault.
Liability coverage does not cover your medical bills or property damage to your vehicle if you are at fault in a collision. So, it’s a good idea to purchase additional coverage to cover these sorts of expenses—such as personal injury protection (PIP)
. You may also want to purchase uninsured/underinsured motorist coverage
, which is required in many states. This type of coverage covers you if you are the victim of an accident where the at-fault driver doesn’t have adequate insurance coverage. Key Takeaway Only liability coverage is required in Louisiana, and you’ll probably want to purchase higher limits than the 15/30/25 that are state-mandated.
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Louisiana is an at-fault state
Louisiana is an at-fault state, which means that the at-fault driver’s insurance provider covers the medical and property damage expenses of the other drivers involved in a collision.
The at-fault driver can also be sued for additional expenses that their insurance policy won’t cover.
Penalties for driving without insurance in Louisiana
There are multiple penalties for driving without insurance in Louisiana:
License plate(s) cancellation
Louisiana's "No Pay, No Play" law
Louisiana also has a "No Pay, No Play" law. The "No Pay, No Play" law means that if you are driving without insurance, you may be ineligible to collect insurance payouts for an accident where you are not at fault. This law can prevent uninsured drivers from receiving payments from other drivers' liability insurance, namely:
The first $25,000 in property damages, and
The first $15,000 in personal injuries.
Remember, if you are driving without insurance and are at fault in an accident, you will be held personally liable to cover all the expenses for the other drivers. Make sure that you have adequate car insurance if you are driving in Louisiana.
Key Takeaway There are various penalties for driving without insurance in Louisiana, and it’s in your best interest to get additional coverage beyond what is legally required in Louisiana.
Optional coverage in Louisiana
If you want adequate financial protection in Louisiana, there are additional forms of car insurance coverage that you can purchase.
Comprehensive coverage
can cover the costs of physical damages to your vehicle that are not the result of a collision (e.g. vandalism). Collision coverage
can help you cover the cost of repairs for your vehicle after a collision with another vehicle or fixed object. Medical payments coverage
covers the cost of medical bills or funeral expenses resulting from a collision. Roadside assistance helps with things like fixing flats, towing, or jump-starting a battery. The type of coverage will vary between policies and companies.
Rental car reimbursement
will cover the cost of a rental vehicle if you are unable to drive your car.
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Where to buy car insurance in Louisiana
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Is it illegal to not have car insurance in Louisiana?
Yes. All drivers in Louisiana must have liability coverage, but, you should consider purchasing additional coverage.
What car insurance is legally required in Louisiana?
All Louisiana drivers must have liability coverage, which includes bodily injury coverage and property damage coverage. Liability coverage only covers other drivers and their expenses for an accident where you are at fault.
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