Minimum Car Insurance in Louisiana
The liability limits Louisiana requires, whether it is a no-fault state, and whether uninsured motorist or PIP coverage is required.
Short answer: Louisiana requires liability coverage of at least 15/30/25: $15,000 for bodily injury or death of one person, $30,000 for bodily injury or death of two or more people in one accident, and $25,000 for property damage. La. R.S. 32:900(B)(2); La. R.S. 32:861(A)(1)
| Minimum coverage required | Louisiana requires liability coverage of at least 15/30/25: $15,000 for bodily injury or death of one person, $30,000 for bodily injury or death of two or more people in one accident, and $25,000 for property damage. Instead of an insurance policy, an owner may meet the requirement with a motor vehicle liability bond, a certificate from the state treasurer showing a cash or securities deposit, or a certificate of self-insurance. Alternatives to insurance: https://legis.la.gov/legis/Law.aspx?d=88604 |
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| At-fault or no-fault | Louisiana is an at-fault (tort) state; the at-fault driver is responsible for damages. Under the "no pay, no play" rule, an owner or driver who did not carry the required liability coverage cannot recover the first $100,000 of bodily injury damages or the first $100,000 of property damage from an accident. The limit does not apply if the other driver is convicted of (or pleads no contest to) DWI from the accident, caused the accident intentionally, fled the scene, or was committing a felony at the time. Source: La. R.S. 32:866 |
| Uninsured motorist coverage | Uninsured/underinsured motorist (UM) coverage must be included in every auto liability policy at limits no lower than the policy's bodily injury liability limits, unless a named insured rejects it, selects lower limits, or selects lower-cost "economic-only" UM coverage (which excludes noneconomic losses such as pain and suffering). That choice must be made on a form prescribed by the insurance commissioner and signed by the named insured or a legal representative. UM limits may not be lower than the 15/30 state minimums unless economic-only coverage is chosen. Source: La. R.S. 22:1295(1)(a) |
More Louisiana car insurance & vehicle laws
- Driving Without Insurance in Louisiana
- SR-22 Insurance in Louisiana
- When a Car Is a Total Loss in Louisiana
- Transferring a Car Title in Louisiana
- All Louisiana car insurance & vehicle laws rules
FAQ
What is the minimum car insurance required in Louisiana?
Louisiana requires liability coverage of at least 15/30/25: $15,000 for bodily injury or death of one person, $30,000 for bodily injury or death of two or more people in one accident, and $25,000 for property damage. Instead of an insurance policy, an owner may meet the requirement with a motor vehicle liability bond, a certificate from the state treasurer showing a cash or securities deposit, or a certificate of self-insurance.
Is Louisiana a no-fault car insurance state?
Louisiana is an at-fault (tort) state; the at-fault driver is responsible for damages. Under the "no pay, no play" rule, an owner or driver who did not carry the required liability coverage cannot recover the first $100,000 of bodily injury damages or the first $100,000 of property damage from an accident. The limit does not apply if the other driver is convicted of (or pleads no contest to) DWI from the accident, caused the accident intentionally, fled the scene, or was committing a felony at the time.
Is uninsured motorist coverage required in Louisiana?
Uninsured/underinsured motorist (UM) coverage must be included in every auto liability policy at limits no lower than the policy's bodily injury liability limits, unless a named insured rejects it, selects lower limits, or selects lower-cost "economic-only" UM coverage (which excludes noneconomic losses such as pain and suffering). That choice must be made on a form prescribed by the insurance commissioner and signed by the named insured or a legal representative. UM limits may not be lower than the 15/30 state minimums unless economic-only coverage is chosen.
General legal information, not legal advice. Laws change and local rules can differ; check the linked official source or talk to a lawyer about your situation.