Do you need car insurance in Louisiana?

April 25, 2013

The short answer is yes. Any Louisiana resident who is completing certain driver’s license requirements or attempting to register a vehicle must provide proof of financial responsibility.

This basically means you will need to prove that you would be able to handle the cost of any damages your vehicle might cause in an accident.

While this does not necessarily mean you have to purchase auto insurance in Louisiana to prove financial responsibility, most people do because auto insurance is the easiest and most affordable way to meet this state requirement.

How much auto insurance coverage do you need?

You’ll want to make sure you discuss the amount of coverage you will need with your independent insurance agent. However, you car insurance policy must at least include the following amount of liability coverage:

  • $15,000 per person for bodily injury or death
  • $30,000 per accident for bodily injury or death
  • $25,000 for property damage

While these limits are all that Louisiana requires, they are often not enough to cover all the damages in more severe car accidents. Therefore, most car owners opt to purchase additional coverage to make sure they have enough financial protection in the event of an accident.

What happens if you don’t have proof of insurance?

Driving around without car insurance in Louisiana is a bad idea. If a law enforcement officer catches you with no proof of insurance, he or she can issue a violation, take your license plates, and impound your car. In this situation, you will have three days to show proof of insurance before you lose your license plates for good and have to register your vehicle all over again.

Plus, if you happen to be in an accident where you are deemed at-fault, you will be financially responsible for the damages you caused. Paying for these damages could get very expensive, much more expensive than auto insurance premiums.

Driving without auto insurance in Louisiana is never a good idea, even if you think you can’t afford it. There are several affordable options available. One of our knowledgeable independent agents at Guffey Insurance Agency in Baton Rouge can help you compare rates from several top insurance carriers and find a car insurance policy that you can afford. Request a free auto insurance quote or call us at 225-291-4544 for immediate assistance.