Louisiana Auto Insurance Requirements

As a resident of the fine state of Louisiana, you are lucky enough to have one of the lowest state minimums for automobile liability insurance in the country.

In order to operate a motor vehicle in Louisiana, you must prove that you carry liability insurance with minimum levels of 10/20/10 (see the chart below).

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Be advised that in this state, you are financially responsible for any property damage and/or personal injuries that are a result of an accident for which you were found at fault. For this reason, you might want to consider increasing your levels of liability insurance.

As added protection, Louisiana residents may choose add-on’s to their policies, such as comprehensive, collision, uninsured/underinsured motorists, and medical payments.

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Auto Insurance for Leased Vehicles in Louisana (LA)

Most leasing companies in the Louisiana typically require drivers to maintain insurance coverage which exceeds the minimums set by Louisiana law. This is to protect you financially, as well as your leasing company, should they be held partly responsible. Most leasing companies will recommend the following amounts of insurance coverage:

• Bodily injury liability coverage: $100,000 per person/$300,000 per accident
• Property damage liability coverage: $50,000
• Comprehensive and collision coverage: $500 maximum deductible

Read about special Louisiana considerations for drivers in:

• New Orleans

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**Auto Insurance Finder is not an insurance broker or carrier. Content on this site is for comparison and informational purposes only. The products and services listed on this site may not be available in all states.

Last Updated: August 19, 2010