Does Louisiana have minimum requirements for insuring my car?

Louisiana drivers need liability coverage limits of at least:

  • $15,000 in bodily injury per person
  • $30,000 in total bodily injury per accident
  • $25,000 in property damage per accident

These figures represent the minimum coverages you need, but if you want additional auto liability coverage, you can increase your limits to better protect your assets.

Comprehensive and collision coverage protect your vehicle

If you're leasing or financing your vehicle, your lender normally requires comprehensive and collision coverage. But even if you own your car outright, consider adding these important coverages in case your vehicle is stolen or damaged.

With Progressive's Name Your Price® Tool, you tell us how much you want to pay — and we'll give you options that work for you. See more on our Name Your Price Tool.

How much does car insurance in Louisiana cost?

In 2020, the cost of a liability only auto policy from Progressive in the Pelican State was $215 per month.* Rates vary based on a number of factors, such as your driving history, zip code, and coverage selections.

Are there any discounts that can lower the cost of my car insurance?

Progressive offers a variety of discounts to help you get cheaper auto insurance in Louisiana:

  • Anti-theft device
  • Multi-car
  • Five-year accident-free
  • Online quote
  • Continuous insurance
  • Three-year safe driving
  • Paperless
  • Smart technology

See all auto insurance discounts.

Facts about auto insurance in Louisiana

  1. The Insurance Information Institute ranked Louisiana as the most expensive state for car insurance in 2017. Find out how you can lower the cost of auto insurance.

  2. 13% of Louisiana drivers are uninsured, according to a 2015 study. Uninsured/underinsured bodily injury and property damage coverage can help protect you against drivers with no insurance.

  3. If you need an SR-22, Louisiana law mandates that you carry one for three years. After three years, if you’ve had no lapse in coverage, the SR-22 can be dropped.

How to get car insurance in Louisiana


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