Louisiana Auto Insurance Requirements
EagleWay Auto Insurance is proud to offer cheap auto insurance in Louisiana — the “Pelican State.” From driving along the bayou to catching a sunset in Sportsman’s Paradise, affordable coverage ensures you and your vehicle stay protected every mile of the journey. Below, you'll learn which coverages are mandatory, which are optional, and how EagleWay Auto Insurance can help you secure cheap Louisiana car insurance. Get a free quote today and see how much you can save.
Louisiana Car Insurance Laws
Louisiana law requires all vehicle owners to carry an auto insurance policy that meets the state’s minimum liability requirements. These limits are expressed as 15/30/25.
Louisiana Minimum Car Insurance Requirements
| Coverage Type | Required? |
|---|---|
| Bodily Injury Liability Pays medical expenses and legal fees if you injure someone in an at-fault accident. |
Yes — $15,000 per person / $30,000 per accident |
| Property Damage Liability Covers damage to others’ property caused by your vehicle. |
Yes — $25,000 per accident |
| Uninsured/Underinsured Motorist (UM/UIM) Provides protection if the at-fault driver lacks adequate insurance. |
Not required |
| Collision Coverage Helps repair or replace your vehicle after a collision. |
Not required1 |
| Comprehensive Coverage Covers non-collision damage such as theft, flood, fire, or falling objects. |
Not required1 |
Important: Minimum liability insurance does not cover your injuries or your own vehicle.
Adding UM/UIM, collision, and comprehensive coverage provides stronger protection.
1Your lender may require these coverages if your vehicle is leased or financed.
Optional Add-On Coverages
Louisiana drivers can enhance protection with optional coverages:
- Roadside Assistance*
- Medical Payments Coverage (Med Pay)
- Towing & Labor Coverage
- Rental Reimbursement Coverage
Proof of Financial Responsibility & Penalties
Driving without insurance in Louisiana carries serious consequences. According to the Department of Insurance, penalties include:
- Fines between $500 and $1,000 for knowingly driving uninsured or providing false proof of insurance
- Vehicle impoundment
- License plate suspension
- Registration revocation
- 180-day license & registration suspension if involved in a collision without insurance
Louisiana also enforces a strict “No Pay, No Play” law — uninsured drivers cannot collect certain damages from insured drivers after a crash, even if the uninsured driver was not at fault.
Penalties for Driving with a Suspended License
Driving with a suspended license in Louisiana can lead to:
- Heavy fines
- Jail time
- Extended suspension periods
SR-22 Insurance in Louisiana
You may need to file an SR-22 certificate if you:
- Failed to maintain proper liability coverage
- Were convicted of DUI/DWI
- Committed other serious traffic violations
EagleWay Auto Insurance specializes in helping high-risk drivers meet SR-22 requirements and regain compliance. Our agents can guide you every step of the way.
High-Risk Auto Insurance in Louisiana
Many drivers have past violations or accidents — and that’s okay. EagleWay Auto Insurance proudly offers non-standard auto insurance for higher-risk drivers. We believe your history shouldn't define your future.
Where Can I Find the Cheapest Car Insurance in Louisiana?
Rates vary based on:
- Your coverage levels
- Your vehicle’s year, make, and model
- How often and where you drive
- Where you live
- Your age and demographics
- Your driving record
- Your credit history
The good news? EagleWay Auto Insurance helps drivers — including those with a less-than-perfect record — find affordable coverage. Get a free quote online or speak with a local agent for help crafting a personalized, budget-friendly plan.