Louisiana pairs one of the lowest bodily injury minimums in the country, 15/30/25, meaning $15,000 per person, $30,000 per accident, and $25,000 property damage under La. R.S. 32:900, with some of the highest premiums in the country. Per the NAIC, only Florida's average expenditure ran higher in 2022. Dense litigation, high claim severity and a large uninsured population all feed the gap.
The state has been legislating at that gap hard: 2025 brought the largest tort reform package in Louisiana history. For drivers, the most concrete change is to the 'No Pay No Play' law. In a market this expensive and this much in motion, the spread between carriers for the same coverage is unusually wide, which makes comparing quotes more consequential in Louisiana than almost anywhere else.
The figures below explain the policy structure used in Louisiana. They do not predict an individual premium. For a broader view of how state rules differ, use our national car insurance directory.
Louisiana minimum car insurance requirements
Most quotes begin with liability coverage. Bodily injury liability addresses covered injury claims made by other people when you cause a crash. Property damage liability addresses covered damage to their vehicles or other property. The legal minimum keeps a policy compliant, but it does not say how much financial risk a household can comfortably retain.
- Coverage
- Bodily injury liability, one person
- Required amount or rule
- $15,000
- What it generally addresses
- Covered injuries to one other person
- Coverage
- Bodily injury liability, one accident
- Required amount or rule
- $30,000
- What it generally addresses
- Total covered injuries in one accident
- Coverage
- Property damage liability
- Required amount or rule
- $25,000
- What it generally addresses
- Covered damage you cause to other property
- Coverage
- PIP or medical coverage
- Required amount or rule
- Not required (at-fault state)
- What it generally addresses
- Medical coverage rules vary by policy
- Coverage
- Accident framework
- Required amount or rule
- At-fault
- What it generally addresses
- The responsible driver's liability coverage is central
- Coverage
- SR-22 filing
- Required amount or rule
- Used in this state
- What it generally addresses
- Applies only when ordered after qualifying events
| Coverage | Required amount or rule | What it generally addresses |
|---|---|---|
| Bodily injury liability, one person | $15,000 | Covered injuries to one other person |
| Bodily injury liability, one accident | $30,000 | Total covered injuries in one accident |
| Property damage liability | $25,000 | Covered damage you cause to other property |
| PIP or medical coverage | Not required (at-fault state) | Medical coverage rules vary by policy |
| Accident framework | At-fault | The responsible driver's liability coverage is central |
| SR-22 filing | Used in this state | Applies only when ordered after qualifying events |
Source: Louisiana Department of Insurance — Auto insurance guide
What the state minimum covers, and what it leaves with you
A minimum policy is designed to satisfy state law. It is not designed around the value of your car, the size of a possible injury claim or the amount of savings you want to protect. Those are household decisions, so they need a separate review.
A financed or leased vehicle commonly needs collision and comprehensive coverage under the contract even when state law does not require them. For plain-language definitions and buying context, visit our insurance guides before selecting limits.
Rules and risks that matter in Louisiana
State law is only the starting point. These Louisiana-specific details show what to confirm before you compare coverage or buy a policy.
No Pay No Play, now a $100,000 penalty
Louisiana's No Pay No Play law (La. R.S. 32:866) bars uninsured drivers from recovering their initial damages after a crash even when the other driver was entirely at fault. Effective August 1, 2025, the legislature raised that unrecoverable threshold from $15,000 bodily injury / $25,000 property damage to $100,000 of each.
Notably, the required minimum coverage did not rise alongside it, the legal minimum you must buy is still 15/30/25. The result is a sharp asymmetry: carrying no insurance in Louisiana now means forfeiting the first $100,000 of your own recovery, while a minimum policy that keeps you legal remains comparatively small. Whatever else changes in Louisiana's reform era, driving uninsured has never been a worse bet.
How Louisiana's at-fault system works
Louisiana is an at-fault (tort) state: the driver who causes a crash pays for the other side's injuries and property damage through liability coverage. There is no PIP requirement. Your own protection comes from optional coverages, medical payments, collision, and uninsured/underinsured motorist coverage, which Louisiana insurers must include unless you reject it in writing.
That UM decision deserves real thought here. Nationally, 15.4% of drivers were uninsured in 2023 (Insurance Research Council), and Louisiana consistently ranks among the worst states for it, the same problem the No Pay No Play law targets. A 15/30 at-fault driver can also be badly underinsured against a serious injury, which is what the UIM half of the coverage answers.
SR-22 filings in Louisiana
Louisiana uses SR-22 certificates. After suspensions for DWI, driving uninsured, or accumulating serious violations, the Office of Motor Vehicles requires your insurer to file an SR-22 proving you carry at least the state minimums, typically maintained for three years, before reinstating your license. Carriers treat SR-22 risk very differently in a market already this expensive, so drivers who need a filing see the largest quote spreads of all.
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Start a Louisiana quote requestWhat affects car insurance rates in Louisiana?
Average annual expenditure for auto insurance in Louisiana was $1,558 in 2022, second highest of any state. This is a historical statewide expenditure benchmark from NAIC 2022 Auto Insurance Database Average Premium Supplement (June 2024). It combines many types of drivers and policies, so it should be used for market context rather than as a current quote estimate.
Insurers apply their filed rating plans to the household in front of them. Two neighbors can see different prices, and the same household can receive a wide range from different companies because each insurer weighs the inputs differently.
Garaging location
Claim frequency, traffic, repair costs, theft and weather exposure vary across Louisiana ZIP codes.
Drivers and record
Age, driving experience, citations, accidents, claims and continuous insurance history can affect price and eligibility.
Vehicle and use
Repair technology, vehicle value, annual mileage, commute and business use change the potential cost of a claim.
Coverage choices
Liability limits, collision, comprehensive, optional benefits and deductibles determine what the policy is being asked to pay.
Household details
Other licensed drivers, additional vehicles and bundling opportunities can change the account-level price.
Company fit
Insurers target different customer profiles. No one company is consistently cheapest for every driver in every territory.
Before you switch
Read the declarations, not only the price.
The declarations page shows drivers, vehicles, limits, deductibles and selected benefits. Match those fields before deciding that one quote is better.
Learn how a quote becomes a policy →How to compare Louisiana car insurance quotes
Keep the drivers, vehicles, limits, deductibles, dates and payment method the same. Then compare the full-term cost and change only one choice at a time.
Compare insurance companies on price, coverage and service
A familiar name is not automatically the best fit. Compare how each insurer sells and services policies, which optional programs it offers and whether it writes your profile in Louisiana. Availability and underwriting can vary by state.
See how Progressive sells and services policies →
See how GEICO sells and services policies →
See how State Farm sells and services policies →
See how Allstate sells and services policies →Company marks link to independent editorial reviews. They do not identify quote partners or a personalized match.
Browse all company reviews →Compare car insurance by Louisiana city
State law applies across Louisiana, but the garaging address can add a more local rating layer. Use a city guide to review ZIP related factors, vehicle details and the quote worksheet, then return here for the state requirement source.
Check the facts
Rules and market data used on this Louisiana page
The minimum-coverage table is paired with a first-party state reference, and the legal authority named in the guide is La. R.S. §32:900 (minimum limits), §32:866 (No Pay No Play); Louisiana Department of Insurance; Office of Motor Vehicles. Historical premium context is labeled by year and linked to the underlying publication. These sources do not replace a policy contract or individualized legal advice; rules and forms can change, so confirm current requirements with the regulator, insurer or a licensed professional.
State requirement source
Louisiana Department of Insurance — Auto insurance guide ↗Official consumer guide explaining Louisiana auto liability requirements and optional coverage.
Historical market data
NAIC — 2022 Auto Insurance Database Average Premium Supplement ↗Historical statewide average-expenditure data published by the National Association of Insurance Commissioners in June 2024.
Regulator directory
NAIC — State insurance department directory ↗Directory of state insurance regulators for current consumer guidance, licensing checks and complaints.
Checked by Show my rates · Last updated August 3, 2026
Louisiana car insurance FAQs
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