Injury Cases Can Be Stressful and Emotional for Clients
Julie Young

Louisiana Auto Insurance: What You Need to Know Before You Drive! ðŸš—💨

If you own a vehicle in Louisiana, state law requires auto insurance to stay legal on the road. Here's everything you need to know about minimum car insurance requirements in Louisiana, potential penalties for driving without insurance, and why you may want more coverage than the minimum.Louisiana Minimum Car Insurance Requirements (15/30/25 Coverage)To legally drive in Louisiana, you must have at least:

  • ✅ $15,000 per person for bodily injury
  • ✅ $30,000 per accident for bodily injury (total for all injured persons)
  • ✅ $25,000 for property damage

This is called the 15/30/25 minimum liability insurance policy in Louisiana.

 

What Does 15/30/25 Coverage Mean?

  • $15,000 per person: The maximum payout for injuries to one person in an accident.
  • $30,000 per accident: The total amount available if multiple people are injured. For example, if five people are hurt, they must split the $30,000 coverage.
  • $25,000 for property damage: Pays for damage to another person's vehicle or other property.

 

Why You Should Consider

More Than the Minimum CoverageWhile Louisiana's minimum car insurance policy keeps you legally covered, it may not be enough in a serious accident. Higher liability limits, uninsured motorist coverage, and comprehensive insurance can better protect you from unexpected costs.What Happens If You Drive Without Insurance in Louisiana? ðŸš¨Not having Louisiana required car insurance can lead to:

  • Fines & penalties
  • License suspension
  • Vehicle impoundment
  • Limited ability to recover damages in an accident that wasn't your fault

Final Thoughts: Stay Protected on Louisiana Roads

Having at least the minimum required auto insurance in Louisiana is essential to avoid legal trouble and financial risks. Consider getting full coverage car insurance or higher liability limits for better protection.