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Louisiana

Auto Insurance Minimum Requirements

15/30/25
Liability Limits
No
No-Fault
N/A
PIP Minimum
Optional
Uninsured Motorist

Full Requirements

Bodily Injury (per person)$15,000
Bodily Injury (per accident)$30,000
Property Damage$25,000
Uninsured Motorist RequiredNo
Underinsured Motorist RequiredNo
PIP RequiredNo
No-Fault StateNo (tort)
MedPay RequiredNo
SR-22 FilingsYes (for high-risk drivers)
Effective Date2010-01-01

Important Notes

Louisiana strictly enforces a 'No Pay, No Play' provision: uninsured motorists cannot collect the first $15,000 of bodily injury damages and the first $25,000 of property damage from an at-fault driver.

Uninsured / Underinsured Motorist

Must be offered automatically at matching liability levels; requires a signature to completely drop or modify.

SR-22 Filings

Required for up to 3 years following standard suspension elements (DWI, default, lack of insurance tracking).

Alternatives to Insurance

A $55,000 cash deposit with the State Treasurer or a dedicated corporate surety bond.

Official Source

Louisiana Office of Motor Vehicles

View Official Site →

Last verified: 2026-05-27 · Always confirm with official state sources before making coverage decisions.