Louisiana Car Insurance Requirements, Laws, and Quotes

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In Louisiana, it is the law to have car insurance when operating a vehicle. If you are caught without insurance, not only will you be penalized and fined, but you will also not be able to cake insurance claims regardless of who is at fault in an accident.

Below we provide a breakdown of the basic requirements, laws, and rates on Louisiana car insurance.

Louisiana Minimum Requirements:

All drivers in Louisiana need liability coverage, including bodily injury and property damage. The minimums are $15,000 for bodily injuries per person, $30,000 for the total number of people injured in an accident, and $25,000 for all property damaged in an accident.

Louisiana Financial Responsibility Laws: If you are caught without any car insurance or if your coverage does not meet the state’s minimum requirements, then you may be required to provide proof of financial responsibility. Proof of this can come in the form of a bond, cash deposit, or certificate from an insurance company that the Louisiana Department of Insurance has approved.

Louisiana Car Insurance Requirements

In Louisiana, the most popular way to comply with Louisiana’s law is by purchasing liability insurance. This type of insurance provides coverage to pay for any damages or injuries caused during an incident. However, liability insurance must have these minimum limits:

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

Other Louisiana Insurance Options

Louisiana only requires liability insurance, but other insurances are available to provide better and safer coverage options, especially if you have a family. Below is a breakdown of different insurance options:

  • Collision insurance which covers damages caused by crashes and fender benders
  • Comprehensive insurance which covers damages caused by non-accident incidents like theft or vandalism
  • Uninsured/underinsured motorist (UMI), which includes damages for accidents caused by someone with no insurance
  • Medical and funeral services
  • Rental car
  • Towing and labor

Louisiana Proof of Insurance

When it comes to verifying your auto insurance in Louisiana, you must have your car insurance company notify the OMV of canceled or expired insurance policies, or you must show proof of insurance if stopped by a police officer or involved in an accident. Proof of insurance can be:

  •  An insurance card (or copy)
  • An image of your instance card on a mobile device
  • Declaration page of your policy
  • The insurance policy itself

Getting Caught in Louisiana Without Car Insurance & License Suspension

If police, unfortunately, catch you for having no insurance, a police officer has the authority to remove your license plate and issue you a Temporary Vehicle Use Authorization. This allows you to operate your car for three days and give you time to provide proof of insurance to the OMV. The police can also impound your vehicle.

Louisiana Car Insurance Quotes

When looking for the best car insurance rate in Louisiana, it is best to shop around and ask about available discounts and most importantly maintain a good driving record. Also, determining your car insurance premium is based on the following factors:

  • Driving history
  • Age/gender
  • Residential area
  • Make of vehicle
  • Deductibles

It is important to keep a clean driving record to ensure the best-priced and affordable premium for your car insurance and wallet!


By shopping around and understanding the factors that affect car insurance premiums, drivers in Louisiana can find the best rate for their situation. Understanding and following the law will also help drivers maintain a clean driving record to ensure they receive an affordable premium. Additionally, it is important to keep in mind that certain actions can result in police impoundment of your vehicle. Therefore, it is essential always to drive safely and abide by the rules of the road. With careful planning, drivers can find an insurance policy that meets their needs without breaking the bank.

By taking these steps now, you’ll be able to enjoy peace of mind in knowing that you are protected on Louisiana’s roads. At DMVConnect.com, we