Louisiana car insurance: minimums, prices and your estimate
Louisiana requires at least $15,000 of bodily injury liability per person, $30,000 per accident, and $25,000 of property damage liability (written 15/30/25).
Louisiana's 15/30 bodily injury minimum is among the lowest in the country. Under its "no pay, no play" law, an owner or driver without the required insurance generally cannot recover the first $100,000 of injury damages or the first $100,000 of property damage.
Since January 1, 2026, if you are found 51% or more at fault for a crash, you cannot recover any damages.
- Legal minimum
- 15/30/25
- Fault system
- At-fault
- Personal injury protection
- Not required
- Uninsured motorist
- Must be offered; you can turn it down
- Underinsured motorist
- Must be offered; you can turn it down
- Credit-based pricing
- Allowed
- Gender-based pricing
- Allowed
- High-risk proof filing
- SR-22
What drivers in Louisiana can expect to pay
Monthly ranges from our model, anchored to Louisiana's position in 7 published price studies from 2025 and 2026 ($4,387 a year for full coverage and $1,371 for minimum coverage for a standard adult driver; which studies). Suburban ZIP code, mid-size sedan a few years old.
| Driver | Estimated monthly | About per year |
|---|---|---|
| Adult, full coverage35, clean record, 100/300/100, $500 deductibles | $314-$417 | $4,387 |
| Adult, state-minimum coverage35, clean record, only what the law requires | $98-$130 | $1,371 |
| Young driver, full coverage20, own policy, clean record | $585-$878 | $8,774 |
| Senior, full coverage70, clean record | $302-$400 | $4,212 |
| After one at-fault accident35, full coverage | $472-$625 | $6,581 |
| After a DUI35, full coverage | $550-$825 | $8,248 |
| Poor credit35, clean record, full coverage | $561-$807 | $8,204 |
Build your Louisiana estimate
Rules worth knowing in Louisiana
- Uninsured and underinsured motorist coverage is included at your bodily injury limits unless you reject it, choose lower limits (not below 15/30) or pick economic-only coverage. Any of those choices must be made on the form set by the Louisiana Commissioner of Insurance.
- Louisiana does not require personal injury protection, and medical payments coverage is optional.
- Insurers may use credit, but not a score that uses income, gender, address, ZIP code, ethnic group, religion, marital status or nationality. Credit alone cannot be the reason your policy is denied, canceled or not renewed, and you can ask to be re-rated at your annual renewal.
- Instead of a policy, you can use a liability bond, a cash or securities deposit with the state treasurer, or self-insurance. A valid policy issued in another state also counts as proof for a Louisiana-registered vehicle.
- Louisiana's financial responsibility law can require proof of insurance, commonly an SR-22, and the state sets how long you must keep it, so check with the Louisiana Office of Motor Vehicles.
Questions about Louisiana car insurance
What is the minimum car insurance in Louisiana?
Louisiana requires at least $15,000 of bodily injury liability per person, $30,000 per accident, and $25,000 of property damage liability (written 15/30/25).
How much is car insurance in Louisiana per month?
For a 35-year-old with a clean record, our model puts full coverage at about $314 to $417 a month and state-minimum coverage at about $98 to $130. Age, record, car, ZIP code and the company you choose move the real number a lot.
Is Louisiana a no-fault state?
At-fault (tort) state: the driver who causes a crash, and their insurer, pays for the other side's injuries and damage.
Can insurers in Louisiana use my credit score?
Yes. Many insurers in Louisiana use a credit-based insurance score, so better credit usually means a lower price.
Do I need an SR-22 in Louisiana?
Only if a court or the state requires one, usually after a serious violation or a lapse. Louisiana's financial responsibility law can require proof of insurance, commonly an SR-22, and the state sets how long you must keep it, so check with the Louisiana Office of Motor Vehicles.