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Louisiana Auto Insurance: Minimum Coverage & Rates

Louisiana requires 15/30/25 liability coverage and is an at-fault state.

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Louisiana at a Glance

15/30/25

Minimum liability limits, in thousands of dollars (per person / per accident / property)

At-fault

The at-fault driver's insurance pays for the damage they cause

Optional

PIP and uninsured motorist coverage are not required by law

Source: state DMV, insurance department and statute records, verified July 2026

State Requirements

Louisiana operates as a tort state, meaning the at-fault driver's insurance pays for damages in an accident. All drivers must carry proof of insurance and present it during traffic stops or after collisions. The state requires electronic filing through the Louisiana Office of Motor Vehicles Insurance Verification System, which allows law enforcement to check coverage status in real time.

Bodily Injury Liability

Pays medical bills, lost wages, and legal costs when you injure someone in an at-fault accident. Louisiana law allows injured parties to sue you directly for damages beyond your policy limits.

Property Damage Liability

Covers damage to other vehicles, fences, buildings, or property you hit. Louisiana does not require collision coverage for your own vehicle, so minimum coverage drivers repair their own cars out-of-pocket regardless of fault.

Uninsured Motorist Bodily Injury

Protects you when an at-fault driver has no insurance or flees the scene. You must sign a written rejection form to decline this coverage — insurers cannot legally remove it without your signature.

Uninsured Motorist Property Damage

Pays for repairs to your vehicle when an uninsured driver is at fault, minus a deductible. This coverage is particularly relevant for Louisiana drivers keeping older vehicles, as it provides collision-like protection without the higher premium of full collision coverage. Like UM bodily injury, you must reject this in writing to remove it from your policy.

Cost Overview

$101–$106/mo

Typical monthly rate in Louisiana, minimum-coverage policies

Rate data: NerdWallet, ValuePenguin and Insurify, 2026

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Coverage Types

Liability Insurance

The only coverage Louisiana legally requires. Pays the other driver's costs when you cause an accident, but leaves you exposed if your liability limits are too low or if you damage your own vehicle.

Uninsured Motorist Coverage

Required by default in Louisiana unless you reject it in writing. Covers your injuries and vehicle damage when an at-fault driver has no insurance.

Comprehensive Coverage

Pays for non-collision damage to your vehicle — theft, flood, hail, falling objects, and vandalism. Requires a deductible, typically $250–$1,000.

Collision Coverage

Covers repairs to your vehicle after an at-fault accident or single-car collision, minus your deductible. Most expensive optional coverage.

Full Coverage

Combines state-required liability and uninsured motorist with collision and comprehensive. Protects your vehicle and covers other drivers regardless of fault.

SR-22 Insurance

Not a coverage type but a state filing proving you carry insurance after a DUI, multiple violations, or license suspension. Louisiana requires continuous SR-22 for three years.

Find Your City in Louisiana

New Orleans

urban

Baton Rouge

urban

Shreveport

urban

Metairie

suburban

Lafayette

suburban

Lake Charles

urban

Kenner

suburban

Monroe

urban