Louisiana Auto Insurance 101

It doesn’t matter if you live in Shreveport, Baton Rouge, New Orleans with so many companies offering auto insurance in Louisiana, how do you choose the auto insurance that's right for you? There are a wide variety of car insurance policies, optional coverages and other products available in Louisiana, and as your auto insurance needs change, your local agent will take the time to help so you can make the choices that are right for you. And if you have a teen driver, there are many other considerations. See the Graduated Driver Licensing chart below.

Louisiana Auto Insurance Coverage Scale


Coverage	State Required	Most Common

Bodily Injury Liability	10,000/20,000*	10,000/20,000
Property Damage Liability	10,000*	25,000
Uninsured Mortist Body Injury	Not Required*	10,000/20,000
Medical payments	Not Required*	5,000
Collision	Not Required*	500 Deductible
Comprehensive	Not Required*	50 Deductible

Louisiana Graduated Driver Licensing

Louisiana has its own variation of Graduated Driver Licensing, and they are one of the few things that have been proven to save teen lives. You and your teen should become familiar with Louisiana laws, and at the very least, you should use these laws to form the baseline for the rules you set for your teen driver.


Insurance Institute for Highway Safety Rating	Fair

Minimum Entry Age ( Optimal: 16 )	15
Extended Learner Period	Has Optimal Provision
Parent Certification (Optimal: 30 hours minimal)	Has no provision
Night Restriction (Optimal: 9 or 10 p.m.)	Has the provision but it is not optimal
Passenger Restriction (Optimal: only 1 non-family member)	Has no provision
Minimum Exit Age (Optimal: 18)	17

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Louisiana Insurance

Louisiana Auto Insurance 101