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Rachel Bodine
Rachel Bodine graduated from college with a BA in English. She has since worked as a Feature Writer in the insurance industry and gained a deep knowledge of state and countrywide insurance laws and rates. Her research and writing focus on helping readers understand their insurance coverage and how to find savings. Her expert advice on insurance has been featured on sites like PhotoEnforced, All.
Written by Rachel BodineLicensed Insurance Producer
Dani Best has been a licensed insurance producer for nearly 10 years. Dani began her insurance career in a sales role with State Farm in 2014. During her time in sales, she graduated with her Bachelors in Psychology from Capella University and is currently earning her Masters in Marriage and Family Therapy. Since 2014, Dani has held and maintains licenses in Life, Disability, Property, and Casualt.
Reviewed by Dani BestLicensed Insurance Producer
UPDATED: Jul 19, 2024
Advertiser Disclosure: We strive to help you make confident auto insurance decisions. Comparison shopping should be easy. We are not affiliated with any one auto insurance provider and cannot guarantee quotes from any single provider. Our partnerships don’t influence our content. Our opinions are our own. To compare quotes from many different companies please enter your ZIP code on this page to use the free quote tool. The more quotes you compare, the more chances to save.
Editorial Guidelines: We are a free online resource for anyone interested in learning more about auto insurance. Our goal is to be an objective, third-party resource for everything auto insurance related. We update our site regularly, and all content is reviewed by auto insurance experts.
UPDATED: Jul 19, 2024
Advertiser Disclosure: We strive to help you make confident auto insurance decisions. Comparison shopping should be easy. We are not affiliated with any one auto insurance provider and cannot guarantee quotes from any single provider. Our partnerships don’t influence our content. Our opinions are our own. To compare quotes from many different companies please enter your ZIP code on this page to use the free quote tool. The more quotes you compare, the more chances to save.
Louisiana is one of many U.S. states that has a car insurance mandate for its drivers.
As is the case in many other states, Louisiana auto insurance laws require drivers to buy certain levels of liability auto insurance, and additional insurance is available upon request.
Driving without insurance in Louisiana could result in substantial penalties and consequences, and it could make you ineligible for seeking damages through another person’s auto policy if you are involved in an accident. Read our Louisiana auto insurance guide to learn everything you need to know about state minimum requirements.
Compare car insurance quotes today to find the company that offers you the best rate for the coverage you need. Enter your ZIP code into our free quote tool above to get started.
Read More: Minimum Auto Insurance RequirementsAll drivers should carefully review and comply with the Louisiana state minimum car insurance requirements, but you may also consider increasing your limits and buying other types of coverage.
After all, each coverage type can yield substantial benefits in different situations.
Buying car insurance in Louisiana is a necessity, but you need to know what type of coverage to buy and how much of each type you need. Your policy will include a coverage limit for each type of insurance that you purchase.
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While you may have plans to buy extra or optional coverage types and increase your limits to enjoy great protection from your insurance policy, you need to confirm that your coverage complies with L ouisiana’s auto insurance requirements . Louisiana’s car insurance minimums include:
Louisiana’s minimum liability insurance enables drivers to be financially responsible for damages you cause while driving, and this can help you to avoid possibly being sued for damages.
There are some instances when L ouisiana’s liability insurance coverage requirements may not apply to you.
For example, there are special situations for stored vehicles, commercial vehicles, and more, and you should analyze the special insurance requirements for these situations in Louisiana before you buy your insurance policy.
The three primary reasons why you may need to show proof of auto coverage in this state are for vehicle registration, if you are in an accident, or if you are pulled over by law enforcement officials.
If state officials determine that you have not complied with Louisiana’s car insurance laws, you may be subject to penalties that include:
Violating the car insurance laws in Louisiana can have noteworthy results in your life, and you understandably want to buy coverage today to prevent these consequences from affecting you.
Shopping for a new car insurance policy is easy to do when you request quotes online, but before you get to this step, you must decide how much insurance to buy.
The minimum liability car insurance requirements in Louisiana should be met if you want to avoid legal issues related to insurance, but you also should consider the advantages associated with buying optional coverage types and increasing your limits.
After all, all expenses are your responsibility regardless of whether your insurance benefits pay for them or not.
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Driving without insurance even a single time in Louisiana can have expensive and devastating consequences for you, so you may need to shop around and set up coverage as soon as possible today.
After you take this step, you can request quotes online for the coverage types and limits you have selected.
While you need to compare rates today to set up your policy without delay, you should also compare rates every six months going forward. By taking this step, you can identify lower rates that may be available to you in the future through other providers.
Enter your ZIP code below to begin comparing car insurance rates right away. You might be surprised by how much you can save!
Louisiana’s minimum insurance limits include: 15/30/25 of bodily injury and property damage coverage.
So, how much is car insurance in Louisiana per month? The average rate of auto insurance in Louisiana is around $64 per month.
Driving without insurance in Louisiana can result in substantial penalties and consequences, including being ineligible for seeking damages through another person’s auto policy if you are involved in an accident.
While meeting the minimum liability requirements is necessary to comply with the law, it is recommended to consider additional coverage types and higher limits to ensure better protection in different situations.
To find the best car insurance rates in Louisiana, you can compare quotes from different companies using a free quote tool. By comparing Louisiana auto insurance rates regularly, you can identify lower rates that may be available to you in the future through other providers.
All registered car owners in the state are required to carry minimum liability insurance.
The average cost for minimum liability coverage in Louisiana is around $79 per month.
Full coverage typically includes collision and comprehensive coverage.
Louisiana actually doesn’t have a minimum requirement for uninsured motorist coverage.
In most cases, lenders require you to carry full coverage on a financed car in Louisiana.
Car insurance in Louisiana became mandatory after 1977.
There are a few acceptable ways to prove you have car insurance in Louisiana:
Car insurance is mandatory in Louisiana. All drivers must carry minimum liability insurance on their registered vehicles.
Louisiana operates under a fault-based system for car accidents.
The cheapest car insurance in Louisiana is offered by Southern Farm Bureau, with rates averaging $159 per month.
Yes, it is illegal to drive without car insurance in Louisiana.
Several factors contribute to potentially high car insurance rates in Louisiana, including: high uninsured motorist rate, frequent bad weather events, and theft rates.
No, you cannot register a car in Louisiana without proof of minimum liability insurance.
Since driving without insurance is illegal, you can be penalized immediately upon being pulled over.
Louisiana doesn’t have a grace period for auto insurance. Your insurance company might offer a short period to renew your policy before cancellation, but it’s best to check with them directly.
Generally, you cannot insure a car if it’s not titled in your name. However, you might be added as an insured driver on someone else’s policy if they own the car.
There’s no set minimum for uninsured motorist coverage in Louisiana, but it’s typically higher than the deductible for collision or comprehensive coverage.
Louisiana’s financial responsibility law mandates drivers to carry minimum liability insurance.
No, stacking uninsured motorist coverage from multiple policies is not allowed in Louisiana.
Louisiana has one of the highest uninsured motorist rates in the U.S., with estimates exceeding 13%.
Louisiana’s state minimum limits for commercial auto insurance are the same as for personal auto insurance:
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