Louisiana Auto Insurance Guide for First-Time Buyers
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
15
Minimum learner's permit age, 50 supervised driving hours
Source: state DMV, insurance department and statute records, verified July 2026
Minimum Coverage Requirements in Louisiana
Louisiana operates under a tort-based liability system, meaning the at-fault driver is financially responsible for damages in an accident. Drivers must carry proof of insurance at all times and present it during traffic stops or after accidents. Louisiana is one of the few states that allow electronic proof of insurance through a mobile device, according to the Louisiana Department of Insurance.
Bodily Injury Liability
Property Damage Liability
Uninsured Motorist Bodily Injury
Medical Payments Coverage
What Drivers Pay in Louisiana
$382/mo
Typical monthly rate in Louisiana, new drivers
Rate data: Insurify, 2026
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Night driving
11pm-5am
Passengers
time-of-day based (no passengers under 21 during restricted hours unless a 21+ is present)
Source: IIHS and state DMV records, verified July 2026
Coverage Types
Liability Insurance
Liability insurance is the foundation of every auto policy — it pays for damage and injuries you cause to others. It includes bodily injury liability (medical bills, lost wages, legal costs) and property damage liability (vehicle and property repairs). Liability never covers your own injuries or vehicle.
Full Coverage
Full coverage combines liability with collision coverage (pays for your vehicle damage in accidents you cause) and comprehensive coverage (pays for theft, vandalism, flooding, hail, animal strikes). It's required by lenders if you finance or lease a vehicle, and essential if you can't afford to replace your car out-of-pocket.
Comprehensive Coverage
Comprehensive coverage pays to repair or replace your vehicle after non-collision events like theft, vandalism, flooding, hail, hurricane damage, or hitting an animal. You choose a deductible — typically $500 or $1,000 — which you pay before insurance covers the rest.
Uninsured Motorist Coverage
Uninsured motorist coverage pays your medical bills and vehicle damage when you're hit by a driver with no insurance or inadequate coverage, or in a hit-and-run. Louisiana law requires insurers to offer it, but you can reject it in writing — a risky choice given the state's uninsured driver rate.
Collision Coverage
Collision coverage pays to repair or replace your vehicle after you hit another car, object, or roll your vehicle, regardless of who is at fault. Like comprehensive, you select a deductible that you pay before insurance coverage begins.
SR-22 Insurance
An SR-22 isn't a type of insurance — it's a certificate your insurer files with the Louisiana Department of Public Safety proving you carry at least minimum liability coverage. It's required after serious violations like DUIs, repeated at-fault accidents, or driving uninsured, typically for three years.