Louisiana Car Insurance Requirements

The state of Louisiana follows a Tort system meaning someone must be found to be at fault for causing the accident, and that person and their insurance company is responsible for all the damages.

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Louisiana requires all state residents who are completing certain driver’s license transactions or trying to register a vehicle to provide proof of insurance coverage.

Minimum Insurance Coverages Include:

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

Proof of Insurance:

Insurance carriers must report liability coverages to the state. If you are caught with no insurance, you risk your license plates being taken and your vehicle impounded.

For more information:

http://www.ldi.state.la.us/consumers/misc_pubs/2008AutoRateGuide.pdf

Louisiana Department of Insurance

1702 N. 3rd Street

Baton Rouge, LA 70802