Louisiana Auto Insurance Requirements & 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-based liability state, meaning at-fault drivers are financially responsible for damages they cause. Drivers must carry proof of insurance at all times and provide it upon request to law enforcement or after an accident. The Louisiana Department of Insurance mandates electronic reporting from insurers to verify continuous coverage through the Louisiana Insurance Verification System.
Bodily Injury Liability
Property Damage Liability
Uninsured Motorist Coverage
Cost Overview
about $146/mo
Average car insurance spending in Louisiana
Rate data: NAIC Auto Insurance Database, 2023
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Compare Auto Rates for FreeFrequently Asked Questions
Is Louisiana a no-fault insurance state?
No, Louisiana is a tort-based state where the at-fault driver is financially responsible for damages. Injured parties can file claims against the at-fault driver's liability insurance or sue directly if damages exceed policy limits. This makes carrying higher liability limits critical to protect personal assets.
Coverage Types
Liability Insurance
Covers bodily injury and property damage you cause to others. Louisiana's 15/30/25 minimum is the lowest in the region and insufficient for most serious accidents.
Full Coverage
Bundles liability, collision, comprehensive, and uninsured motorist protection. Covers your vehicle and medical expenses regardless of fault.
Comprehensive Coverage
Pays for vehicle damage from theft, vandalism, flooding, hail, falling objects, and animal strikes. Does not cover collision-related damage.
Uninsured Motorist Coverage
Covers your medical bills, lost income, and vehicle damage when an at-fault driver has no insurance or flees the scene.
Collision Coverage
Pays to repair or replace your vehicle after an accident with another car or object, regardless of who's at fault.
SR-22 Insurance
Not a separate coverage — an SR-22 is a state-mandated filing proving you carry liability insurance after certain violations.