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Is 25/50/25 liability insurance enough coverage in Louisiana?
I was looking at my auto insurance policy and I noticed that I'm covered only a bit more than the state minimum at 25/50/25. Is that enough coverage for me if I live in Louisiana?
Eric Schad · Updated on
Reviewed by Shannon Martin, Licensed Insurance Agent.
“Louisiana has some of the most expensive car insurance in the country due to a high number of uninsured drivers (15%) and huge numbers of lawsuits.
In light of this, your coverage is probably too low. Moving to at least a 100/300/100 policy might be a better idea so you can protect your assets and income.
In addition, you almost certainly need to add
uninsured motorist coverage
to your policy. This will help pay for your medical expenses if you’re struck by one of the many Louisiana drivers who get behind the wheel without insurance.”View full answer
- Gregory R.
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