Louisiana Car Insurance Requirements

Minimum Coverage Requirements

Louisiana requires drivers to carry minimum liability insurance of 15/30/25 — meaning $15,000 per person for bodily injury, $30,000 per accident for bodily injury, and $25,000 for property damage.

Average Car Insurance Costs in Louisiana

Drivers in Louisiana typically pay approximately $2,780 per year ($232/month) for car insurance, based on 2026 industry average data.

Car Insurance Rates by City in Louisiana

State Regulations and Key Rules

Louisiana consistently ranks among the most expensive states for car insurance. It is an at-fault state with a legal environment that sees high litigation rates and large jury awards. Uninsured motorist coverage is required.

What Makes Louisiana Unique

Louisiana's high insurance costs are driven by a combination of factors: frequent severe weather, high litigation rates, large jury verdicts, and significant vehicle flood damage from hurricanes and tropical storms.

Uninsured Drivers in Louisiana

Approximately 13.3% of drivers in Louisiana are estimated to be uninsured.

Risk Factors Specific to Louisiana

New Orleans and coastal Louisiana face extreme flooding risk from hurricanes and tropical storms — comprehensive coverage is essential. The state's litigation environment means liability claims are often larger than in comparable states, making higher liability limits strongly advisable.

What Louisiana’s Minimum Actually Covers

Louisiana’s minimum is 15/30/25: $15,000 per injured person, $30,000 total per accident for injuries, and $25,000 for property damage. With new vehicles averaging roughly $50,000, the $25,000 property damage limit would leave about $25,000 unpaid if you totaled an average new car — and that gap becomes your personal debt. On the injury side, a single hospital admission after a serious crash can exceed $15,000 quickly; anything above the limit can be pursued from your assets and future wages.

No-Fault, PIP, and Required Add-Ons in Louisiana

Uninsured motorist coverage isn’t mandatory in Louisiana, though insurers generally must offer it and you may have to reject it in writing.

How Louisiana Compares: Uninsured Drivers and Price

An estimated 13.3% of Louisiana drivers are uninsured — roughly 1 in 8 — a middle-of-the-pack uninsured rate. At that rate, uninsured motorist coverage is one of the most valuable add-ons you can buy.

Our average premium estimate of $2,780 a year puts Louisiana among the ten most expensive states in our 50-state estimates (median $1,395).

How to Save on Car Insurance in Louisiana

Louisiana's high rates make shopping quotes particularly important — rate differences between insurers can be hundreds of dollars for identical coverage. New Orleans drivers should prioritize comprehensive coverage for flood risk. Telematics programs are available and can offer meaningful savings for safe drivers.

• Louisiana's minimum liability requirement of 15/30/25 is the legal floor, not a safe target — since PIP isn't required in Louisiana, a separate medical payments (MedPay) add-on is worth pricing out.
• With an estimated 13.3% of Louisiana drivers uninsured, carrying uninsured/underinsured motorist coverage above the state minimum is one of the highest-value add-ons you can buy.

Frequently Asked Questions

What is the minimum car insurance in Louisiana?

15/30/25: $15,000 of bodily injury liability per person, $30,000 per accident, and $25,000 of property damage liability.

Is Louisiana a no-fault state?

No. Louisiana is an at-fault state, so the driver who causes an accident is responsible for the resulting injuries and damage, usually through their liability insurance.

How many drivers are uninsured in Louisiana?

An estimated 13.3% of Louisiana drivers are uninsured, roughly 1 in 8.

The information on this page is provided for general informational purposes only and reflects estimated industry averages and state requirements as of 2026. Insurance regulations and rates change periodically; always verify current requirements with your state's department of insurance or a licensed insurance professional before making coverage decisions. City-level and statewide premiums shown are approximations — individual rates will vary based on personal factors.