Louisiana (LA) Insurance Law


This is a copy of the Law as it was when posted. We believe it to be accurate and complete, but we make no guarantees or warrantees. If you know there to be a mistake in what is posted here, please inform us of such by clicking here.

Louisiana Car & Motorcycle Insurance

  • Liability Required? YES
  • Personal Injury Protection Required? NO
  • No Fault State? NO
  • Uninsured Motorist Coverage Required: YES

Required Minimum Bodily Injury Coverage

  • $10,000 per person injured in any one accident and $20,000 for all persons injured in any one accident

Required Minimum Property Damage Coverage

  • $10,000 for injury to or destruction of property of others in any one accident

Optional Insurance Coverage

  • Uninsured Motorist (UM) Coverage. UM includes underinsured motorist (UIM) coverage. UM must equal the amount of the bodily injury liability coverage purchased, unless specifically rejected. UM cannot be less than the minimum bodily injury liability insurance required, unless the insured selects “economic only UM coverage.”
  • Economic Only UM Coverage. In exchange for a reduced premium, insurance companies may offer economic only UM coverage. This coverage excludes payment for all non-economic loss, including pain, suffering, inconvenience, and mental anguish damages.

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