Is Louisiana an at-fault or no-fault state?

Louisiana is an at-fault at-fault state for car insurance claims.

Field report · LA

Car insurance in Louisiana

Louisiana is a at-fault state with a minimum liability requirement of15/30/25. Here's what that means, what it costs, and what to check before you buy.

Minimum coverage15/30/25

Fault systemAt-fault

Uninsured motoristRequired

RegulatorLouisiana Office of Motor Vehicles (OMV), under the Department of Public Safety and Corrections

What the minimums actually mean

$15,000 per injured person, $30,000 total per accident for injuries, and $25,000 for property damage - notably lower bodily-injury limits than most other states.

UM/UIM is included by default in every policy, but drivers can reject or reduce it using a standardized, state-prescribed written form (updated April 1, 2025 under Act 770); if the rejection form is missing or defective, full UM/UIM at liability limits automatically applies.

Estimated cost

Illustrative estimate: roughly $950-$1,300/year for minimum coverage - among the highest of nearby states, though 2025 tort-reform changes have begun producing modest rate decreases at some carriers.

Why this is a range, not a quote

Rates depend heavily on your driving record, exact ZIP code, vehicle, and the insurer's own pricing model — two neighbors can legally pay very different amounts for the same coverage. Use ourcost calculator for a figure based on your own details, orget matched with carriers directly.

SR-22 & high-risk filings

Typically required after a DUI, driving without insurance, or an at-fault accident while uninsured, administered through the Louisiana OMV.

Local conditions worth knowing

Louisiana has historically had among the highest auto insurance rates in the US, driven by an outsized litigation environment (bodily-injury claim frequency far above the national average) plus hurricane and flood exposure.

Frequently asked

What is the minimum car insurance requirement in Louisiana?: Louisiana requires liability limits of at least 15/30/25. $15,000 per injured person, $30,000 total per accident for injuries, and $25,000 for property damage - notably lower bodily-injury limits than most other states.
Is Louisiana an at-fault or no-fault state?: Louisiana is an at-fault at-fault state for car insurance claims.
Do I need an SR-22 in Louisiana?: Typically required after a DUI, driving without insurance, or an at-fault accident while uninsured, administered through the Louisiana OMV.
Is uninsured motorist coverage required in Louisiana?: UM/UIM is included by default in every policy, but drivers can reject or reduce it using a standardized, state-prescribed written form (updated April 1, 2025 under Act 770); if the rejection form is missing or defective, full UM/UIM at liability limits automatically applies.

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