Louisiana Car Insurance

Car Insurance Coverage in Louisiana

Sure, it's called the Bayou State, but that doesn't mean there aren't thousands of miles of road to travel. Whether you're buying a new car, getting a Louisiana auto insurance quote, or just looking to switch to GEICO, we've got everything you need to make an informed decision. Keep these facts in mind as you look to find the car insurance coverage that's right for you. Remember, you can start your Louisiana car insurance quote anytime.

According to Louisiana's Department of Transportation and Development, with very few exceptions (i.e., parade vehicles), every driver must have car insurance. You'll also want to make sure you keep your Louisiana proof of insurance card somewhere handy. You could receive a citation if you're pulled over and unable to provide proof of coverage. Also, don't forget to register your car in Louisiana.

What is the required coverage for car insurance in Louisiana?

The following coverage is required by the state of Louisiana to legally operate a motor vehicle:

• Bodily injury liability coverage: The minimum legal requirement is $15,000 per person and $30,000 per accident
• Property damage liability coverage: The minimum legal requirement is $25,000
• Medical payments: The minimum legal requirement is $1,000*
• Uninsured motorist bodily injury: The minimum legal requirement is $15,000 per person and $30,000 per accident*

*These coverages can be rejected.

What else can auto insurance in Louisiana cover?

There are many additional types of coverage available to drivers in Louisiana. It's quite common for a Louisiana auto insurance policy to include uninsured/underinsured motorist coverage. This is meant to protect you from drivers with limited or no insurance coverage.

What is "full coverage" auto insurance in Louisiana?

"Full coverage" typically refers to comprehensive and collision coverage. For Louisiana drivers looking for robust financial protection against a wider range of incidents, this is often the go-to option. These types of coverage are common for newer vehicles and are often required if your vehicle has a lease or a loan.

Save money with car insurance discounts in Louisiana

GEICO offers various car insurance discounts to help Louisiana drivers get the coverage they need without stretching their budgets, including:

• Multi-policy: Bundle your auto policy with your homeowners or renters policy to save on your car insurance premium.
• Good Student: Full-time students in Louisiana with B averages or better may qualify for reduced premiums.
• DriveEasy*: Enroll in the DriveEasy program through the GEICO mobile app and get rewarded for safe driving habits.
• Clean Driving Record Discount: Maintain a clean driving record and you may be eligible for lower car insurance rates.

Don't let your auto insurance coverage lapse in Louisiana!

It's very important that you don't let your car insurance coverage lapse or expire in the state of Louisiana. If it does, your license will be automatically flagged with the state. This will prevent you from renewing your registration. The state may also fine you for lack of coverage. For a period of 1–30 days, there is a fine of $50 per violation. This increases to $150 after 30 days, and again to $300 after 90 days.

Louisiana Teen Driving Laws: What Parents Should Know

Louisiana makes use of a graduated licensing system. Teenagers 15 years and older may obtain a learner's permit. Prior to receiving a permit, teen drivers must complete a state-approved driver education course, consisting of 30 hours of in-class training and 8 hours of actual driving. Once a permitted driver reaches the age of 17 and passes the Louisiana driving test, he or she is eligible for an unrestricted license.

Louisiana Auto Registration Information

In order to register by mail, all documents and monies must be submitted simultaneously. The following items are required:

• Application for title (DPSMV 1799), properly completed and signed by the owner, showing the current physical Louisiana address. If the mailing address is a post office box or an out-of-state address, it must be shown as a mail-to address. Must list driver's license number or Federal EIN number (for companies) on application. The liability insurance declaration must be signed for motorized vehicles only.
• Check or money order made payable to the Department of Public Safety to cover fees and/or taxes.
• Military personnel should submit proof they are in military service.