Louisiana Auto Insurance
Under Louisiana law, motorists must carry a minimum of $15,000 per person and $30,000 per accident in Bodily
Injury Liability (BIL) insurance. This covers medical and other accident-related expenses for the other driver,
cyclist or pedestrian when the accident is the insured’s fault. The state also requires a minimum of $25,000 in
Property Damage Liability (PDL) insurance, which covers repairs or replacement to the other vehicle when the
insured was at fault. Keep in mind these are the minimum requirements, and it is wise to purchase additional
coverage in case of a serious accident so that personal assets are not at risk.
While Louisiana does not require the purchase of uninsured or underinsured motorist coverage, it is a good idea
to buy this insurance since the odds of an accident with an uninsured/underinsured motorist are not low. This
coverage helps defray medical expenses in such accidents but does not cover property damage to the vehicle.
While the state does not require comprehensive and collision coverage, lenders for leased or financed vehicles
will mandate such insurance.
Penalties for driving without auto insurance in Louisiana include up to $1,000 in fines and loss of driving
privileges and motor vehicle registration, and possible vehicle impoundment. Louisiana’s No Pay, No Play law
prohibits uninsured drivers from collecting damages in an accident if the other driver was at fault, up to the
first $15,000 in bodily injuries and $25,000 in property damage, the minimum insurance amounts required by law
for motorists to carry.
SR-22 Insurance in Louisiana
Anyone convicted in Louisiana for a DWI or who has an accident judgment against them must have their
insurance company file an SR-22 Form, “Proof of Future Financial Responsibility,” with the Louisiana Department
of Motor Vehicles before driving privileges are reinstated. Those with a DWI conviction must carry SR-22 insurance for three years from the date of
conviction, while those with an accident judgment must carry this insurance for the entire time payments are
being made and for three years after the final payment in full.
As an alternative, a person with either a DWI or accident judgment against them may post cash or “unencumbered
negotiable securities” in the amount of $30,000 with the State Treasurer, or post a surety bond in that amount.
Louisiana Driver Statistics
Louisiana enjoys a unique culture, much of it based on the state’s French origins and the various populations
forming its melting pot. Approximately 4.6 million people live in the Bayou State, and about 3.4 million of them
hold drivers’ licenses.
Major industries in the state include agribusiness, aerospace, energy production, automotive manufacturing,
software development and natural resources processing. New Orleans location on the Gulf of Mexico and
Mississippi River make it one of the nation’s great port cities, and its music, cuisine, architecture, history
and nightlife make it an international tourist attraction. Other points of interest include 19th century
plantations open to the public, the USS Kidd and Veterans Memorial in Baton Rouge, and the DeQuincy Railroad
Louisiana Auto Insurance & Accident Facts
In 2018, 763 people lost their lives on Louisiana roadways, and 164 of them were pedestrians. Orleans parish,
including New Orleans, had the highest number of traffic fatalities, at 41. Alcohol was involved in an estimated
311 traffic fatalities in 2018. Of all fatalities, 53 percent were not wearing a seatbelt at the time of the
crash. Of those killed, 52 were between the ages of 15 and 24. From 2013 to 2018, fatal crashes rose 4 percent
annually, but the number of fatalities rose just over 2 percent.