Louisiana Auto Insurance Requirements

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Road users in Louisiana must carry a minimum level of liability insurance before they can legally operate their vehicles. Failure to carry the correct levels of auto insurance can lead to a license being suspended or revoked. The minimum mandatory coverage requirements for Louisiana are determined as follows:

  • $15,000 worth of bodily injury liability per person
  • $30,000 worth of bodily injury liability per accident
  • $25,000 worth of property damage liability

When auto insurance is purchased, the applicant will be provided with a card that contains important information relating to the terms and conditions of the policy and this should be kept inside the vehicle at all times even if the vehicle is being used in another state. The card should be produced on request if the policyholder is stopped for a routine traffic check or in the immediate aftermath of an accident. These means that vital information, such as auto insurance companies, names and policy numbers, can be quickly and easily exchanged.

If coverage is allowed to lapse, drivers can expect their license to be flagged and this can only be removed by your local Motor Vehicle Reinstatement Office. This scenario can occur if auto insurance coverage is cancelled by the policyholder or if outstanding payments on a credit agreement relating to the policy aren’t made. Proof of auto insurance must be provided within 10 days of a license being flagged otherwise vehicle registration can be withdrawn with immediate effect.

As with any other US state, there will be a number of motorists in Louisiana who find that cheap car insurance is difficult to come by. This can be a particular concern for any of the following high-risk groups:

  • Young drivers
  • Drivers with DUI/DWI violations
  • Motorists with multiple claims on their driving history
  • Road users with a bad credit record
  • Owners of high performance or sports models
  • Senior citizens

At Promiga Auto Insurance quotes, we pride ourselves on being able to find affordable coverage for motorists of all types. Even those in non-standard groups who traditionally find that they have to pay vastly inflated fees for their coverage can enjoy significantly lower auto insurance rates through our dedicated website.

Perhaps the biggest benefit of purchasing your policy through Promiga is the ease in which auto insurance quotes can be obtained. Our simple-to-use site interface allows multiple policy offers to be raised within the space of a couple of minutes so that our growing army of satisfied customers can enjoy one of the most pleasurable price comparison experiences available anywhere.