Louisiana car insurance laws and requirements: What is changing in 2025

Q: Is it mandatory to have car insurance in Louisiana?

Yes , Louisiana requires that you carry at least the minimum mandatory coverage. Necessary coverage includes 15/30/25.

Q: Will my bare minimum car insurance cover me in another state?

Yes , your car insurance covers claims in another state, even if the minimums are higher in the other state.

Louisiana car insurance laws

Louisiana requires that drivers carry at least 15/30/25.

These limits are in place to ease the financial burden for drivers who cause an accident and for the victims. The at-fault driver knows their insurer will cover medical expenses and property damage up to a certain amount, and victims can more readily access funds to pay for accident costs.

However, coverage limits are very low and will not cover expenses from a serious accident. To be better protected, Louisiana drivers should consider increasing liability limits and adding coverage, such as collision and comprehensive.

Louisiana car insurance requirements

Louisiana requires the following coverage:

Liability. There are two parts to liability coverage. First, bodily injury liability pays medical costs associated with an accident, such as doctor visits, surgery, and prescriptions. Second, property damage liability covers repairing or replacing items such as vehicles, fences, or buildings.

Louisiana liability minimums are 15/30/25.

The average cost of a minimum coverage policy is $722. However, Southern Farm Bureau has the lowest minimum car insurance rates, averaging $427.

The table below shows the top insurers' average rates for minimum coverage in Louisiana.

Company	Average annual premium	Average monthly premium
Southern Farm Bureau	$427	$36
Geico	$507	$42
Progressive	$596	$50
Auto Club Enterprises (AAA)	$797	$66
Louisiana Farm Bureau	$800	$67
State Farm	$867	$72
Safeway Insurance	$918	$76
Farmers	$1,159	$97
USAA	$566	$47

Read our methodology

Louisiana car insurance cost for minimum coverage limits

On average, state minimum car insurance costs $722. Car insurance rates for minimum coverage vary by company and driver. The table below shows average rates for drivers with minimum coverage in Louisiana.

The cheapest company for minimum coverage in Louisiana is Southern Farm Bureau at an average rate of $427 annually.

State minimum coverage limit	15/30/25
Average annual premium	$722
Average monthly premium	$60

Read our methodology

Are the Louisiana minimum coverage requirements changing in 2025?

Louisiana car insurance requirements will not change in 2025. You do not need to make any changes if you have minimum coverage. If mandatory coverage changes in the future, your insurer will inform you, along with any rate changes.

Why do limits change?

"Several states have minimum requirements of property damage of $10,000-$25,000," says Zack Pope, agency manager at David Pope Insurance in Missouri. "[Given] the current values of vehicles, that's extremely antiquated values of coverage and a main reason that I personally do not offer less than 100/300/100 to customers. It is significantly easier to see a car on the road that is valued at $100,000 than it has been in the past."

What does minimum car insurance cover in Louisiana?

Louisiana requires drivers to carry at least a minimum amount of car insurance to help offset accident costs.

Louisiana drivers are required to carry liability coverage. Bodily injury liability helps pay for injuries you cause to others in an accident. Property damage liability covers items damaged in an accident, such as another vehicle, fence, or other property.

PEOPLE ASK:

Is Louisiana minimum car insurance enough?

It may not be. Even a moderately serious accident could exceed the state minimum limits of 15/30/25, and minimum coverage may not cover all accident costs. Furthermore, state minimums do not cover your vehicle; you need to add comprehensive and collision coverage.

How much car insurance is enough in Louisiana?

Car insurance isn't one size fits all. The amount of coverage you need depends on your assets, net worth and risk level.

For example, if you are financially stable and can afford to pay out of pocket for medical costs and repairs, you may keep insurance limits low. However, you may be sued for the cost difference if you have a sizeable net worth and don't carry enough insurance to cover expenses.

Additionally, if you drive very little or have a short commute, your chances of causing an accident are relatively low. Also, you may choose to skip coverages such as collision and comprehensive if your car isn't worth much, or you can afford to pay for a new vehicle if yours is damaged. However, if you have a loan or lease you will be required to carry this coverage by your lender.

Consider your financial situation when determining how much car insurance you need.

Louisiana penalties for driving without car insurance

Since Louisiana requires its drivers to carry car insurance, failing to do so has consequences. Although you may be tempted to skip coverage to save money, you'll wind up paying heavily in the long run.

Failing to carry Louisiana car insurance has penalties including those listed below. Keep in mind that repeated infractions have more severe penalties, such as jail time.

Fines	$500-$1,000
Other penalties	License and registration suspension
Jail time	No

Read our methodology

Louisiana minimum coverage cost by age group

Younger drivers pay for more car insurance because they lack experience behind the wheel. Fortunately, rates decrease as drivers age.

The table below breaks down the cost of car insurance for various age groups. Southern Farm Bureau has the best rates for teens with minimum coverage averaging $1,610. Southern Farm Bureau offers the cheapest coverage for adults at $475.

Additionally, females and males pay different rates. The average rate for a 40-year-old female is $733, and the average rate for a 40-year-old male is $711, a difference of $22.

Male

Male
Female

Age	Company	Male annual premium	Male monthly premium
16	Southern Farm Bureau	$2,528	$211
16	Safeway Insurance	$2,908	$242
16	Louisiana Farm Bureau	$3,004	$250
16	Geico	$3,084	$257
16	State Farm	$4,127	$344
16	Allstate	$4,223	$352
16	Auto Club Enterprises (AAA)	$4,320	$360
16	Progressive	$4,440	$370
16	Farmers	$5,551	$463
16	USAA	$2,360	$197
17	Southern Farm Bureau	$1,561	$130
17	Geico	$2,450	$204
17	Louisiana Farm Bureau	$2,895	$241
17	Safeway Insurance	$2,908	$242
17	Allstate	$3,507	$292
17	State Farm	$3,562	$297
17	Auto Club Enterprises (AAA)	$3,900	$325
17	Progressive	$3,963	$330
17	Farmers	$4,868	$406
17	USAA	$1,609	$134
18	Southern Farm Bureau	$1,363	$114
18	Geico	$2,091	$174
18	Louisiana Farm Bureau	$2,778	$232
18	Safeway Insurance	$2,839	$237
18	State Farm	$3,040	$253
18	Auto Club Enterprises (AAA)	$3,208	$267
18	Progressive	$3,230	$269
18	Farmers	$3,948	$329
18	Allstate	NA	NA
18	USAA	$1,340	$112
19	Southern Farm Bureau	$1,203	$100
19	Geico	$1,285	$107
19	Progressive	$1,976	$165
19	Safeway Insurance	$1,985	$165
19	Louisiana Farm Bureau	$2,070	$173
19	Auto Club Enterprises (AAA)	$2,475	$206
19	State Farm	$2,545	$212
19	Farmers	$2,969	$247
19	USAA	$1,119	$93
20	Southern Farm Bureau	$1,073	$89
20	Geico	$1,195	$100
20	Progressive	$1,712	$143
20	Safeway Insurance	$1,823	$152
20	Louisiana Farm Bureau	$2,003	$167
20	State Farm	$2,200	$183
20	Auto Club Enterprises (AAA)	$2,296	$191
20	Farmers	$2,683	$224
20	USAA	$972	$81
21	Geico	$854	$71
21	Southern Farm Bureau	$966	$81
21	Progressive	$1,163	$97
21	Safeway Insurance	$1,585	$132
21	Auto Club Enterprises (AAA)	$1,717	$143
21	State Farm	$1,812	$151
21	Louisiana Farm Bureau	$1,938	$162
21	Farmers	$2,200	$183
21	USAA	$892	$74
22	Geico	$788	$66
22	Southern Farm Bureau	$878	$73
22	Progressive	$1,044	$87
22	Louisiana Farm Bureau	$1,355	$113
22	Safeway Insurance	$1,356	$113
22	Auto Club Enterprises (AAA)	$1,563	$130
22	State Farm	$1,612	$134
22	Farmers	$1,921	$160
22	USAA	$825	$69
23	Geico	$706	$59
23	Southern Farm Bureau	$803	$67
23	Progressive	$940	$78
23	Louisiana Farm Bureau	$1,310	$109
23	Safeway Insurance	$1,335	$111
23	State Farm	$1,404	$117
23	Auto Club Enterprises (AAA)	$1,463	$122
23	Farmers	$1,712	$143
23	USAA	$772	$64
24	Geico	$593	$49
24	Southern Farm Bureau	$741	$62
24	Progressive	$849	$71
24	State Farm	$1,219	$102
24	Louisiana Farm Bureau	$1,252	$104
24	Safeway Insurance	$1,273	$106
24	Auto Club Enterprises (AAA)	$1,274	$106
24	Farmers	$1,592	$133
24	USAA	$741	$62
25	Geico	$524	$44
25	Southern Farm Bureau	$689	$57
25	Progressive	$744	$62
25	Louisiana Farm Bureau	$831	$69
25	Auto Club Enterprises (AAA)	$1,042	$87
25	State Farm	$1,050	$88
25	Safeway Insurance	$1,165	$97
25	Farmers	$1,258	$105
25	USAA	$694	$58
30	Geico	$513	$43
30	Southern Farm Bureau	$527	$44
30	Progressive	$664	$55
30	Louisiana Farm Bureau	$814	$68
30	Auto Club Enterprises (AAA)	$828	$69
30	State Farm	$861	$72
30	Safeway Insurance	$979	$82
30	Farmers	$1,163	$97
30	USAA	$603	$50
35	Southern Farm Bureau	$453	$38
35	Geico	$484	$40
35	Progressive	$609	$51
35	Louisiana Farm Bureau	$801	$67
35	Auto Club Enterprises (AAA)	$804	$67
35	State Farm	$853	$71
35	Safeway Insurance	$966	$81
35	Farmers	$1,135	$95
35	USAA	$577	$48
40	Southern Farm Bureau	$421	$35
40	Geico	$485	$40
40	Progressive	$591	$49
40	Auto Club Enterprises (AAA)	$797	$66
40	Louisiana Farm Bureau	$800	$67
40	State Farm	$867	$72
40	Safeway Insurance	$921	$77
40	Farmers	$1,140	$95
40	USAA	$560	$47
45	Southern Farm Bureau	$410	$34
45	Geico	$480	$40
45	Progressive	$580	$48
45	Auto Club Enterprises (AAA)	$782	$65
45	Louisiana Farm Bureau	$789	$66
45	State Farm	$873	$73
45	Safeway Insurance	$914	$76
45	Farmers	$1,126	$94
45	USAA	$547	$46
50	Southern Farm Bureau	$411	$34
50	Geico	$456	$38
50	Progressive	$540	$45
50	Louisiana Farm Bureau	$675	$56
50	Auto Club Enterprises (AAA)	$743	$62
50	Safeway Insurance	$820	$68
50	State Farm	$848	$71
50	Farmers	$982	$82
50	USAA	$534	$45
55	Southern Farm Bureau	$423	$35
55	Geico	$451	$38
55	Progressive	$513	$43
55	Louisiana Farm Bureau	$664	$55
55	Auto Club Enterprises (AAA)	$721	$60
55	State Farm	$826	$69
55	Safeway Insurance	$833	$69
55	Farmers	$969	$81
55	USAA	$529	$44
60	Southern Farm Bureau	$449	$37
60	Geico	$514	$43
60	Progressive	$518	$43
60	Louisiana Farm Bureau	$664	$55
60	Auto Club Enterprises (AAA)	$706	$59
60	State Farm	$808	$67
60	Safeway Insurance	$833	$69
60	Farmers	$982	$82
60	USAA	$543	$45
65	Geico	$526	$44
65	Southern Farm Bureau	$556	$46
65	Progressive	$691	$58
65	Louisiana Farm Bureau	$707	$59
65	Auto Club Enterprises (AAA)	$805	$67
65	Safeway Insurance	$853	$71
65	State Farm	$922	$77
65	Farmers	$988	$82
65	USAA	$660	$55
70	Geico	$527	$44
70	Southern Farm Bureau	$556	$46
70	Progressive	$691	$58
70	Louisiana Farm Bureau	$707	$59
70	Auto Club Enterprises (AAA)	$807	$67
70	Safeway Insurance	$853	$71
70	State Farm	$923	$77
70	Farmers	$988	$82
70	USAA	$660	$55
75	Geico	$530	$44
75	Southern Farm Bureau	$556	$46
75	Progressive	$701	$58
75	Louisiana Farm Bureau	$733	$61
75	Auto Club Enterprises (AAA)	$816	$68
75	Safeway Insurance	$866	$72
75	State Farm	$931	$78
75	Farmers	$988	$82
75	USAA	$660	$55

Read our methodology

Age	Company	Female annual premium	Female monthly premium
16	Southern Farm Bureau	$2,363	$197
16	Safeway Insurance	$2,774	$231
16	Louisiana Farm Bureau	$2,207	$184
16	Geico	$2,961	$247
16	State Farm	$3,289	$274
16	Allstate	$3,846	$321
16	Auto Club Enterprises (AAA)	$3,697	$308
16	Progressive	$4,037	$336
16	Farmers	$5,055	$421
16	USAA	$2,369	$197
17	Southern Farm Bureau	$1,453	$121
17	Geico	$2,368	$197
17	Louisiana Farm Bureau	$2,207	$184
17	Safeway Insurance	$2,685	$224
17	Allstate	$2,979	$248
17	State Farm	$2,832	$236
17	Auto Club Enterprises (AAA)	$2,979	$248
17	Progressive	$3,474	$290
17	Farmers	$4,193	$349
17	USAA	$1,615	$135
18	Southern Farm Bureau	$1,277	$106
18	Geico	$2,025	$169
18	Louisiana Farm Bureau	$2,127	$177
18	Safeway Insurance	$2,621	$218
18	State Farm	$2,435	$203
18	Auto Club Enterprises (AAA)	$2,601	$217
18	Progressive	$2,818	$235
18	Farmers	$3,668	$306
18	Allstate	$2,762	$230
18	USAA	$1,325	$110
19	Southern Farm Bureau	$1,134	$95
19	Geico	$1,273	$106
19	Progressive	$1,723	$144
19	Safeway Insurance	$1,894	$158
19	Louisiana Farm Bureau	$1,524	$127
19	Auto Club Enterprises (AAA)	$2,062	$172
19	State Farm	$2,052	$171
19	Farmers	$2,469	$206
19	USAA	$1,101	$92
20	Southern Farm Bureau	$1,017	$85
20	Geico	$1,188	$99
20	Progressive	$1,466	$122
20	Safeway Insurance	$1,606	$134
20	Louisiana Farm Bureau	$1,519	$127
20	State Farm	$1,812	$151
20	Auto Club Enterprises (AAA)	$1,764	$147
20	Farmers	$2,361	$197
20	USAA	$959	$80
21	Geico	$877	$73
21	Southern Farm Bureau	$922	$77
21	Progressive	$1,074	$90
21	Safeway Insurance	$1,522	$127
21	Auto Club Enterprises (AAA)	$1,403	$117
21	State Farm	$1,531	$128
21	Louisiana Farm Bureau	$1,367	$114
21	Farmers	$1,958	$163
21	USAA	$888	$74
22	Geico	$799	$67
22	Southern Farm Bureau	$842	$70
22	Progressive	$933	$78
22	Louisiana Farm Bureau	$1,144	$95
22	Safeway Insurance	$1,279	$107
22	Auto Club Enterprises (AAA)	$1,328	$111
22	State Farm	$1,381	$115
22	Farmers	$1,703	$142
22	USAA	$821	$68
23	Geico	$755	$63
23	Southern Farm Bureau	$776	$65
23	Progressive	$868	$72
23	Louisiana Farm Bureau	$1,128	$94
23	Safeway Insurance	$1,272	$106
23	State Farm	$1,221	$102
23	Auto Club Enterprises (AAA)	$1,170	$98
23	Farmers	$1,575	$131
23	USAA	$746	$62
24	Geico	$651	$54
24	Southern Farm Bureau	$721	$60
24	Progressive	$800	$67
24	State Farm	$1,105	$92
24	Louisiana Farm Bureau	$1,098	$92
24	Safeway Insurance	$1,258	$105
24	Auto Club Enterprises (AAA)	$1,100	$92
24	Farmers	$1,587	$132
24	USAA	$715	$60
25	Geico	$561	$47
25	Southern Farm Bureau	$674	$56
25	Progressive	$693	$58
25	Louisiana Farm Bureau	$816	$68
25	Auto Club Enterprises (AAA)	$966	$81
25	State Farm	$969	$81
25	Safeway Insurance	$1,190	$99
25	Farmers	$1,351	$113
25	USAA	$677	$56
30	Geico	$557	$46
30	Southern Farm Bureau	$527	$44
30	Progressive	$649	$54
30	Louisiana Farm Bureau	$815	$68
30	Auto Club Enterprises (AAA)	$828	$69
30	State Farm	$861	$72
30	Safeway Insurance	$983	$82
30	Farmers	$1,206	$101
30	USAA	$616	$51
35	Southern Farm Bureau	$461	$38
35	Geico	$538	$45
35	Progressive	$636	$53
35	Louisiana Farm Bureau	$801	$67
35	Auto Club Enterprises (AAA)	$804	$67
35	State Farm	$854	$71
35	Safeway Insurance	$963	$80
35	Farmers	$1,189	$99
35	USAA	$595	$50
40	Southern Farm Bureau	$433	$36
40	Geico	$528	$44
40	Progressive	$601	$50
40	Auto Club Enterprises (AAA)	$797	$66
40	Louisiana Farm Bureau	$800	$67
40	State Farm	$867	$72
40	Safeway Insurance	$915	$76
40	Farmers	$1,173	$98
40	USAA	$573	$48
45	Southern Farm Bureau	$423	$35
45	Geico	$522	$44
45	Progressive	$590	$49
45	Auto Club Enterprises (AAA)	$782	$65
45	Louisiana Farm Bureau	$789	$66
45	State Farm	$873	$73
45	Safeway Insurance	$887	$74
45	Farmers	$1,155	$96
45	USAA	$560	$47
50	Southern Farm Bureau	$423	$35
50	Geico	$495	$41
50	Progressive	$522	$44
50	Louisiana Farm Bureau	$675	$56
50	Auto Club Enterprises (AAA)	$752	$63
50	Safeway Insurance	$786	$66
50	State Farm	$849	$71
50	Farmers	$1,065	$89
50	USAA	$547	$46
55	Southern Farm Bureau	$432	$36
55	Geico	$496	$41
55	Progressive	$484	$40
55	Louisiana Farm Bureau	$671	$56
55	Auto Club Enterprises (AAA)	$730	$61
55	State Farm	$829	$69
55	Safeway Insurance	$795	$66
55	Farmers	$1,002	$84
55	USAA	$543	$45
60	Southern Farm Bureau	$452	$38
60	Geico	$553	$46
60	Progressive	$503	$42
60	Louisiana Farm Bureau	$671	$56
60	Auto Club Enterprises (AAA)	$706	$59
60	State Farm	$811	$68
60	Safeway Insurance	$795	$66
60	Farmers	$1,010	$84
60	USAA	$555	$46
65	Geico	$555	$46
65	Southern Farm Bureau	$539	$45
65	Progressive	$612	$51
65	Louisiana Farm Bureau	$707	$59
65	Auto Club Enterprises (AAA)	$807	$67
65	Safeway Insurance	$795	$66
65	State Farm	$923	$77
65	Farmers	$1,094	$91
65	USAA	$660	$55
70	Geico	$559	$47
70	Southern Farm Bureau	$539	$45
70	Progressive	$612	$51
70	Louisiana Farm Bureau	$712	$59
70	Auto Club Enterprises (AAA)	$807	$67
70	Safeway Insurance	$795	$66
70	State Farm	$926	$77
70	Farmers	$1,094	$91
70	USAA	$660	$55
75	Geico	$559	$47
75	Southern Farm Bureau	$539	$45
75	Progressive	$612	$51
75	Louisiana Farm Bureau	$725	$60
75	Auto Club Enterprises (AAA)	$816	$68
75	Safeway Insurance	$821	$68
75	State Farm	$929	$77
75	Farmers	$1,100	$92
75	USAA	$660	$55

Read our methodology

Louisiana minimum coverage cost by city

Bossier City drivers pay the least for minimum coverage in Louisiana at $627. However, Kenner pay the most at $1,004.

Car insurance rates vary by city. For example, drivers in larger cities with a high traffic volume or vehicle theft rate pay higher rates.

The table below shows average minimum coverage rates for cities in Louisiana.

City	Average annual premium	Average monthly premium
Bossier City	$627	$52
Shreveport	$679	$57
Lake Charles	$767	$64
Houma	$768	$64
New Orleans	$795	$66
Monroe	$834	$70
Alexandria	$875	$73
Lafayette	$912	$76
Baton Rouge	$952	$79
Kenner	$1,004	$84

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Optional car insurance coverage in Louisiana

Louisiana requires drivers to carry car insurance to pay for injuries and damages caused to others. However, drivers don't have to carry coverage for their vehicle unless required by a loan or lease.

Drivers may choose optional coverages such as:

Collision. Collision coverage pays for damages to your vehicle if you cause an accident.
Comprehensive. This coverage pays for damages to your car unrelated to an accident, such as fire, flood, falling debris, and hail.
Rental car coverage. This pays for a rental car if your vehicle is being repaired for a covered claim and usually has time and cost limits.
Roadside assistance. If you run out of gas, need a tire changed, or have a dead battery roadside assistance will send someone to help.
Gap. Gap coverage pays the difference between what you owe on a car loan and the vehicle's value.

Methodology

Insurance.com commissioned state minimum car insurance rates from Quadrant Information Systems based on a 40-year-old driver with good credit and a clean driving history, driving a 2023 Honda Accord LX. Rates are based on all coverages required by law at minimum coverage limits. Rates were also fielded for various additional age groups. State laws were gathered from state DMV and insurance department websites.

Louisiana car insurance laws and requirements: FAQs

Is it mandatory to have car insurance in Louisiana?

Yes, Louisiana requires that you carry at least the minimum mandatory coverage. Necessary coverage includes 15/30/25.

Will my bare minimum car insurance cover me in another state?

Yes, your car insurance covers claims in another state, even if the minimums are higher in the other state.

What happens if I drive without car insurance in Louisiana?

If you're caught driving without car insurance in Louisiana, you may face fines, a driver's license suspension, having your vehicle impounded, and increased car insurance rates. Additionally, you may face jail time, especially for multiple violations.