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In Louisiana, all drivers are required by law to carry minimum levels of auto insurance. Driving without coverage can result in fines, license suspension, and vehicle impoundment.
Here’s what Louisiana law requires:
| Coverage | Minimum Amount |
|---|---|
| Bodily Injury to Others | $15,000 per person / $30,000 per accident |
| Property Damage Liability | $25,000 per accident |
These limits represent the bare minimum. Many drivers choose higher limits or additional protections to avoid paying out of pocket after an accident.
Auto insurance rates in Louisiana are among the highest in the nation. The average premium in 2024 is $3,310, which is about 51% higher than the national average, according to The Zebra.
Your cost depends on factors like:
Some drivers prefer state-minimum coverage to keep premiums low. Others choose broader protection to cover repairs, medical expenses, and legal fees after an accident.
At Richey Insurance, we shop multiple carriers to help you balance affordability and peace of mind.
If you’re leasing or financing a vehicle, your lender may require more than the state minimum. Adding comprehensive and collision coverage helps protect your car in situations like:
These coverages are also worth considering if replacing or repairing your car after an accident would be a financial strain.
You may lower your premium by:
Asking about discounts for safe drivers, students, and more.
Penalties include fines, license suspension, vehicle impoundment, and reinstatement fees.
Minimum coverage meets legal requirements but may not fully protect you after a serious accident. Higher limits and optional coverages like uninsured motorist protection and roadside assistance offer greater security.
Louisiana Office of Motor Vehicles: Handle important tasks like renewing your driver’s license, registering your vehicle, or applying for a REAL ID through the Louisiana OMV. Their website provides step-by-step guidance for new residents, teen drivers, and anyone needing to update their records.
Louisiana Traffic Safety Laws: Stay informed about Louisiana’s road rules. The state enforces laws on cell phone use while driving, seat belt requirements, child passenger safety seats, and motorcycle helmet use. Knowing these laws helps you avoid fines and keeps you and your passengers safer on the road.
Louisiana Driver’s License and ID Card FAQs: Find clear answers to common questions, including how to renew your driver’s license, replace a lost ID, or update your address after moving. Whether you’re a first-time driver or a longtime resident, these FAQs simplify the process.
Car Insurance Resource Center: Learn how auto insurance works in Louisiana with helpful tips and explanations. Explore coverage options, discover ways to lower your premiums, and get familiar with terms like comprehensive, collision, and uninsured motorist protection.
Prefer to talk to a representative? Our agents are more than happy to help you.
You are welcome to visit our office. We are open Monday - Friday (8 am - 5 pm)
