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The General® is pleased to provide auto insurance in Louisiana.  We offer low cost auto insurance options online even if you have a less than perfect driving record, have never been insured before, have let your policy lapse, or have had your coverage suspended or revoked.

We’ve provided some information below that we hope will be helpful in answering some of the more common questions we’ve received from our customers.

Mandatory Minimum Level of Coverage

Louisiana Law requires every driver to have automobile liability insurance while driving on Louisiana public roads and highways.  The statutory minimum limits of liability insurance in Louisiana are:

Bodily Injury

- $15,000 for the death or injury of any one person, any one accident
- $30,000 for all persons in any one accident

Property Damage

- $25,000 for any one accident

Frequently Asked Questions Regarding Louisiana Auto Insurance

What Happens If I Don’t Carry Insurance?

In Louisiana, driving without auto insurance is a serious offense.  Failure to show proof of insurance when requested may result in fines or a suspended license.

Why Are Insurance Information Cards Needed?

Your insurance company is required by law to issue you an auto insurance policy information card for each vehicle they insure.  Your auto insurance policy information card must be carried in your vehicle at all times when the vehicle is driven.  In addition to being a requirement of law in Louisiana, an auto insurance policy information card may be needed if you are traveling in other states where they may not recognize the information on our database.  If you are involved in an accident, your valid insurance card can also be used to easily exchange insurance information, i.e. your insurance company’s name, policy number, agent’s name and telephone number, etc.

What do I do about a flag on my driver’s license or an insurance cancellation notice I received?

You may call the DMV’s toll free number at 1-877-DMV-LINE (1-877-368-5463) and select option 1, or you may visit your local Motor Vehicle Reinstatement Offices

NOTE: You will not be able to renew your license plate or driver’s license until the flag is cleared.

All cancellations of insurance are reported by the insurance companies to this Department.  In order to clear the cancellation/flag from your record, you will need one of the following:

1. New insurance information (card or copy of policy) with coverage effective within ten days of the cancellation date from a company authorized to do business in Louisiana.
2. Turn in the license plate within ten days of the cancellation date.
3. Provide proof the vehicle was sold, traded, junked, salvaged, totaled, repossessed, returned to lessor, or registered out of state within ten days of the cancellation date.

If you can provide any of the above information/compliance with an effective date within ten days of the cancellation date, there will not be any reinstatement fees due.

What if you’re currently driving without coverage?

The General® offers instant proof of insurance when you buy auto insurance online at our website.

Additional Resources

Louisiana Department of Insurance
Louisiana Office of Motor Vehicles
Official state of Louisiana website
Louisiana Department of Transportation