Louisiana’s Minimum Car Insurance Requirements

May 23, 2014

The law requires that you carry a minimum of car insurance coverage. Check out what the minimums are and what they cover.

Every state has different minimum requirements for car insurance. We’re here to inform you about the specific minimum car insurance requirements for the Bayou State.

Louisiana law requires that all vehicle owners carry liability insurance. This coverage will provide financial protection for damages or injuries that the driver causes in a car accident, up to the amount of coverage you have.

Louisiana Minimum Coverage Requirements

You may see the minimum car insurance requirements for Louisiana listed as 15/30/25. This breaks down into:

  • $15,000 of bodily injury coverage per person.
  • $30,000 of bodily injury coverage per accident.
  • $25,000 of property damage coverage.

Although the law only requires these three coverage amounts, we recommend you carry an insurance policy that provides more protection.

If you’re in an accident where the costs exceed the limits of your policy then you will have to pay the difference out of pocket. Your agent can help you determine the right amount of coverage for you.

Other Coverage Options

Aside from liability coverage, drivers in Louisiana have other options that will help protect their vehicles and themselves.

It is common for a policy to include uninsured or underinsured motorist coverage. This coverage will protect you from other drivers who have a limited amount or no insurance at all.

Another option is full coverage, which refers to comprehensive and collision coverage. These coverages are common for newer vehicles. Medical payments, rental reimbursement, and towing coverages are also available for motorist in Louisiana.

Protection Without Breaking The Bank

The minimum car insurance requirements for Louisiana offer good protection for yourself, passengers, and your vehicle without breaking the bank. However, it’s important to make sure you have the overall best protection for your car.

Request a free car insurance quote, and find out how much coverage you need from an independent expert.