Louisiana Auto Insurance Policy Requirements

Q: What is in a basic Louisiana auto insurance policy?
A: A Louisiana auto insurance policy can be comprised of the following principal kinds of insurance:

  1. Liability Coverage
    1. In the insurance industry, property and human beings are always considered separately. Therefore liability insurance is divided into the following two types:
      1. Bodily Injury Liability Coverage
      2. Property Damage Liability Coverage
    2. Liability coverage is required in Louisiana. All drivers must have obtained the following minimum liability coverage in their auto insurance policies:
      1. 10/20/10” (Louisiana’s minimum auto insurance requirement)
      2. $10,000 for injury and/or death to one person.
      3. $20,000 for injury and/or death to more than one person.
      4. $10,000 for damage to property of the driver or anyone else.
    3. Liability minimums are different for leased vehicles.
  2. Collision Coverage is necessary if your vehicle is financed (not completely paid for). If the vehicle has been paid for, then collision is simply recommended to be included in a Louisiana auto insurance policy.
  3. Comprehensive Coverage is only necessary if the vehicle is financed. Otherwise, comprehensive is optional in a Louisiana auto insurance policy.
  4. Medical Payments Coverage is recommended but not required for a Louisiana auto insurance policy.
  5. Uninsured (and Underinsured) Motorist Coverage is another optional although recommended insurance option in Louisiana.
  6. Personal Injury Protection (PIP) Coverage on Louisiana auto insurance policies is not required.
  7. Other Options
    1. Towing Coverage
    2. Rental Coverage
    3. Loan/Lease Gap Coverage
Q: Is Louisiana a No-Fault state?
A: No, it is not a no-fault state.

Q: How can I get a discount on a Louisiana auto insurance policy?
A: You may find that you qualify for discounts that will keep the price of your auto insurance policy down. Please view our list of auto insurance discounts for more information.

Q: Where can I find more information about Louisiana auto insurance?
A: Several online sources can provide more information on Louisiana insurance:
  1. Louisiana Insurance Resources
    1. The Louisiana Office of Motor Vehicles (OMV) administers motor vehicle registration and driver licensing laws.
    2. The Louisiana Department of Insurance (DOI) is a regulatory agency that works to support fairness in the insurance marketplace. The website includes online publications regarding Louisiana auto insurance rates and state insurance requirements.
  2. National Insurance Resources

With such a rich and varied cultural heritage – from the zydeco that comes from the Cajuns in the bayou to the Dixieland of New Orlean’s African Americans – Louisiana boasts a unique history. From New Orleans to Baton Rouge, and across all of Lousiana’s civil parishes, CLICKinsure will gladly assist you on finding the best auto insurance rates. Residents anywhere in Louisiana, including the cities of New Orleans, Baton Rouge, Shreveport, Lafayette, Lake Charles, Kenner, Bossier City, Monroe, and Alexandria, can discover their insurance options with CLICKinsure as their broker.