Louisiana Car Insurance Regulations & Required Coverage

Louisiana car insurance regulations require all drivers to carry auto insurance coverage when operating a vehicle. Failure to carry car insurance can result in a suspended license and registration. Louisiana auto insurance laws follow a tort system, meaning that a driver must always be found at-fault for an accident and is then required to pay for incurred damages. Learn more below.

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Natasha McLachlan is a writer who currently lives in Southern California. She is an alumna of California College of the Arts, where she obtained her B.A. in Writing and Literature. Her current work revolves around insurance guides and informational articles. She truly enjoys helping others learn more about everyday, practical matters through her work.

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Laura Walker graduated college with a BS in Criminal Justice with a minor in Political Science. She married her husband and began working in the family insurance business in 2005. She became a licensed agent and wrote P&C business focusing on personal lines insurance for 10 years. Laura serviced existing business and wrote new business. She now uses her insurance background to help educate...

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Reviewed by Laura Walker
Former Licensed Agent

UPDATED: Nov 11, 2020

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Louisiana requires all of its drivers to have a car insurance policy to maintain financial responsibility when operating a vehicle. Their insurance laws aren’t very different from other states but do have some unique nuances that you should be aware, specifically their penalties for driving without insurance.

Louisiana follows a tort system. This means that a driver must always be found at fault for causing an accident and is then required to pay for incurred damages. The specifics can vary from each state.

Required Coverage

All personal vehicles in Louisiana require the following liability coverage requirements:

  • Bodily Injury
  • Property Damage
Minimum Louisiana Car Insurance Requirements
Bodily Injury Liability $15,000 / $30,000 Limit
Property Damage Liability $25,000 Limit

Additional insurance coverage can include:

  • Comprehensive and Collision Coverage
  • Uninsured / Underinsured Motorist Bodily Injury Coverage

Collision insurance pays for the expenses to repair or replace your vehicle after it’s been involved in an accident. Comprehensive covers you if your vehicle has had non-collision damage from incidents such as a flood or fire. It also covers you if your vehicle has been stolen and if it’s listed as one of the most stolen vehicles in Louisiana, you’d be wise to invest in this coverage.

Underinsured or uninsured insurance will help pay for expenses in the event that the at fault party doesn’t have enough coverage to pay for all the damages or if they don’t have any insurance whatsoever. Louisiana requires its drivers to maintain car insurance but the limits aren’t always high enough to cover the expenses making this worthwhile insurance to add to your policy.

Proof of Insurance and Financial Responsibility

Establishing proof of insurance and financial responsibility

  • Get a standard liability car insurance policy

Required Documentation

In order to provide proof of insurance, you can provide one of the following:

  • Copy of your insurance ID card
  • Copy of your insurance policy or binder
  • Copy of your declaration page
  • A written statement on company letterhead from your insurer signed by an agent and including all pertinent policy information

You must maintain proof of insurance and financial responsibility:

  • When asked by a police officer
  • After an accident
  • Anytime you drive your vehicle

Failure to Maintain Financial Responsibility Penalties

If you are not able to show proof of insurance, you can face the following penalties:

  • Loss of your license plates, impoundment of your vehicle and loss of registration (This can happen immediately if you are caught driving without insurance)
  • If you can’t show proof of insurance after being flagged for no insurance, your license and registration can be suspended by the Office of Motor Vehicles and you face the following reinstatement fees depending on how many days have passed since the suspension:
    • 11 – 30 days: $50
    • 31 – 90 days: $125
    • 91+ days: $225

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