Auto Insurance Minimum Requirements
Louisiana requires all drivers to carry minimum liability coverage of $15,000 per person and $30,000 per accident for bodily injury, plus $25,000 for property damage — commonly written as 15/30/25. Louisiana is a tort (at-fault) state, which determines how fault and claims are handled after a collision. Uninsured motorist coverage is not required by law but is strongly recommended. Personal Injury Protection (PIP) is not required.
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.
Fine
$500–$1,000
License / Registration
Suspension: Yes
SR-22 Required After
Yes
What is the minimum car insurance required in Louisiana?
Louisiana requires minimum liability coverage of $15,000 per person and $30,000 per accident for bodily injury, plus $25,000 for property damage. This is written as 15/30/25 coverage.
Is Louisiana a no-fault state?
No, Louisiana is a tort (at-fault) state. The driver responsible for the accident is liable for damages, and claims are filed against their insurance.
Is uninsured motorist coverage required in Louisiana?
Uninsured motorist coverage is not required in Louisiana, but it is strongly recommended given the proportion of uninsured drivers nationwide.
What happens if I drive without insurance in Louisiana?
Driving without insurance in Louisiana can result in fines of $500–$1,000 and license/registration suspension. An SR-22 certificate is typically required to reinstate your driving privileges.
Do I need an SR-22 in Louisiana?
SR-22 filings are used in Louisiana for high-risk drivers following events like DUI convictions, serious violations, or driving without insurance. An SR-22 is a certificate of financial responsibility filed by your insurer — it is not a type of insurance policy. Required for up to 3 years following standard suspension elements (DWI, default, lack of insurance tracking).
What does 15/30/25 mean in Louisiana?
These numbers represent your liability limits: $15,000 per person for bodily injury, $30,000 per accident for bodily injury, and $25,000 for property damage. These are the legal minimums — purchasing higher limits provides greater financial protection.
Official Source
Louisiana Office of Motor Vehicles
Last verified: 2026-05-27 · Always confirm with official state sources before making coverage decisions.