States
Louisiana minimum car insurance: 15/30/25
At least $15,000 per person, $30,000 per accident and $25,000 for property damage. Change the numbers below to test your own policy.
Minimum car insurance check and unpaid-damages estimate
Louisiana minimum: 15/30/25 · no-fault or at-fault status not verified
Your limits meet this minimum.
Left unpaid by the policy in this scenario
$100,000
- Total damages: $155,000
- Injury paid by the policy: $30,000 (per-person cap reached)
- Property paid by the policy: $25,000
The scenario amounts are yours, not statistics. official page, read 2026-11-03. Everything you enter stays in this browser: nothing is sent or stored. General information, not insurance or legal advice.
Louisiana's figures come from the legislature's own text, because the state insurance department refused our declared reader. Revised Statute 32:900 sets $15,000 for one person, $30,000 for two or more people and $25,000 for property, a mix found nowhere else in our table: the injury lines equal Pennsylvania's, while the property line is five times Pennsylvania's $5,000. Section 32:861 makes the registered owner responsible for keeping that security on every self-propelled vehicle registered in the state, and also allows a bond or a $55,000 cash deposit with the state treasurer. When the secretary finds a vehicle uninsured, section 32:863 calls for revoking the registration, impounding the vehicle and cancelling the plate until proof is shown, with reinstatement fees of $100, $250 or $500 as the lapse runs up to 30 days, up to 90 days or longer. Section 32:866 adds a rule few drivers expect: an owner or driver without the required security cannot recover the first $100,000 of bodily injury or the first $100,000 of property damage after a crash, with exceptions such as another driver who flees or is convicted of driving while intoxicated.
Official pages read by Radif Partners · Editorial policy · Method and sources
What the three numbers mean in Louisiana
Louisiana sits at the low end of what we read: 35 states ask for more per person. A policy bought here at the floor can fall short the day its owner moves away.
$15,000 is the most the policy pays for one injured person. $30,000 is the most it pays for everyone hurt in the crash. $25,000 is the most it pays for the other car and anything else you damage.
| Coverage | Minimum | Source read |
|---|---|---|
| Injury, one person | $15,000 | November 2, 2026 or November 3, 2026 |
| Injury, whole accident | $30,000 | November 2, 2026 or November 3, 2026 |
| Property damage | $25,000 | November 2, 2026 or November 3, 2026 |
Read on the official page for Louisiana.
What else we read for Louisiana
| Topic | What the source says | Source |
|---|---|---|
| No-fault or at-fault | Not verified | None read |
| Other required or offered cover | Not verified | None read |
| Penalties | The registration is revoked, the vehicle impounded and the plate cancelled until proof of security is shown; reinstatement costs $100 for a lapse of 1 to 30 days, $250 for 31 to 90 days and $500 beyond 90 days (R.S. 32:863). | official text |
| SR-22 or similar filing | Not verified | None read |
Not verified means that we did not read the rule on an official page. It does not mean that the rule is absent, and we do not infer at-fault status from silence. Ask the state before relying on a blank.