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Louisiana Minimum Auto Insurance Requirements

Louisiana requires every driver to carry at least 15/30/25 liability coverage: $15,000 for bodily injury per person, $30,000 for bodily injury per accident, and $25,000 for property damage. These are minimums — many drivers carry too little to cover a serious injury, which is why uninsured/underinsured motorist coverage matters.

Last reviewed: June 5, 2026

Louisiana sets a legal floor for auto liability coverage. Meeting it keeps a driver legal — it does not guarantee enough money after a real crash.

The 15/30/25 minimum

La. R.S. 32:900 requires every driver to carry at least:

  • $15,000 for bodily injury to one person;
  • $30,000 for bodily injury per accident; and
  • $25,000 for property damage.

Why the minimum is rarely enough

A single serious injury — surgery, lost wages, long-term care — routinely exceeds $15,000. When the at-fault driver carries only the minimum, recovery depends on your own UM/UIM coverage and on finding any other responsible parties.

Checking every available layer of coverage is standard work for a Louisiana injury lawyer after a crash with an underinsured driver.

Frequently Asked Questions

What is the minimum car insurance in Louisiana?
Under La. R.S. 32:900, the minimum is 15/30/25 — $15,000 bodily injury per person, $30,000 bodily injury per accident, and $25,000 property damage. Those are floor amounts required to drive legally.
What happens if the at-fault driver only had minimum coverage?
Minimum limits often fall far short of a serious injury's cost. When that happens, your own underinsured motorist coverage can pay the gap, and a lawyer can look for other responsible parties or assets.

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