Louisiana car insurance: requirements & free quotes
Louisiana's bodily injury minimum of 15/30 is among the lowest in the country, and it follows an at-fault system. Hurricanes and flooding along the Gulf Coast make comprehensive coverage especially relevant.
Minimum coverage in Louisiana
$15,000
Bodily injury per person
$30,000
Bodily injury per accident
$25,000
Property damage
Bodily injury liability $15,000 per person / $30,000 per accident
Property damage liability $25,000 per accident
Shown as 15/30/25. State minimums only cover others when you're at fault — they don't pay to repair your own car. Read how much car insurance you really need.
Ways to save on car insurance in Louisiana
- The bodily injury minimum is low, so higher liability limits can protect your savings after a serious crash.
- Uninsured/underinsured motorist coverage is included unless rejected and is worth keeping.
- Comprehensive coverage covers flood and hurricane damage to your vehicle.
- Avoid any lapse in coverage, which can affect both your legal status and future rates.
We connect drivers across Louisiana
Including New Orleans, Baton Rouge, Shreveport, Lafayette and Lake Charles — and smaller towns in between. Availability depends on agencies serving your ZIP code.
Louisiana car insurance FAQ
No. Louisiana is an at-fault (tort) state, which means the driver who causes an accident — through their liability insurance — is responsible for the other people's injuries and property damage.
Compare quotes from several insurers, ask about discounts (bundling, safe driver, paperless, good student), raise your deductible if you have savings to cover it, and keep a clean driving record. A local agent can shop multiple insurance companies for you at once.