Minimum car insurance in Louisiana.
What Louisiana requires, in plain words, and why the minimum may not be enough.
The minimum limits
In Louisiana, the minimum liability limits are written 15/30/25 (in thousands): $15,000 for injury to one person, $30,000 for injury to everyone in one accident, and $25,000 for property damage.
How the system works
Louisiana is generally an at-fault (tort) state, so the driver who causes a crash is responsible for the other party’s losses. That is why liability limits matter so much.
Tort (at-fault) state. No other coverage required (UM must be offered and can be rejected).
What the minimum means in practice
Say a crash you cause injures three people. The Louisiana minimum pays at most $15,000 to any one of them and $30,000 in total, shared between all three. Any medical bills above that could become your responsibility. Property damage stops at $25,000.
If you drive without insurance in Louisiana
Louisiana revokes the registration, impounds the vehicle and cancels the plate of an uninsured vehicle, with reinstatement fees of $100 (lapse of 1 to 30 days), $250 (31 to 90 days) or $500 (more than 90 days). The statute caps total fees at $850 for these violations when proof is given within 60 days of notice.
Proof of insurance
Acceptable proof includes an insurance ID card shown in original, photocopy or digital image, or a written insurer communication, showing continuous coverage without lapse.
Also worth knowing in Louisiana
Total reinstatement fees may not exceed $250 for persons 65 or older, and no fee is imposed if the lapse was ten days or less and the plate is surrendered within ten days.
Your state regulator
Louisiana Department of Insurance is the official place for consumer questions and complaints about insurers.
Sources we checked (October 2026)
Requirements change. We checked the pages below. Confirm with your state insurance department or an agent.
Questions
Is Louisiana a no-fault state?
Louisiana is generally an at-fault state.