Louisiana Minimum Auto Insurance Requirements

Understand Louisiana's minimum coverage requirements and why many drivers choose higher limits.

Understanding Louisiana's Minimum Coverage Requirements

Louisiana law requires every registered vehicle to carry a minimum amount of auto liability insurance. These minimum coverage limits are designed to provide basic financial protection if you are responsible for an accident.

The current Louisiana minimum liability limits are:

• $15,000 for bodily injury per person.
• $30,000 for bodily injury per accident.
• $25,000 for property damage per accident.

These limits are often written as 15/30/25.

While these minimums satisfy Louisiana's legal requirements, they may not provide enough protection if you are involved in a serious accident. Medical expenses, vehicle repairs, and legal costs can quickly exceed the minimum limits.