Louisiana Car Insurance

Car Insurance in Louisiana

In the state of Louisiana you can satisfy the states requirements of financial responsibility one way by securing an auto insurance policy through a state licensed insurance company. Below are the corresponding tabs with the minimum requirements to satisfy your financial responsibility to drive. The Penalties tab covers the consequences for not carrying insurance or driving without proof of insurance. Review these tabs and our supplemental insurance pages on purchasing, car insurance discounts, and claims to make sure you are 100 % prepared to take responsibility for driving on the roads. The best insurance of course is to take your Louisiana online drivers ed course and learn to be a safe driver with igottadrive.com.

Purchasing auto insurance to meet your financial responsibilities in the state of Louisiana requires all drivers to carry the following minimum amounts of insurance. These minimums will get you on the road however you should consult your insurance agent to make sure you are properly covered for potential incidents that you may encounter. Even as a new or returning driver discounts are available to help you better protect you and your vehicle.

Minimum requirements:

$15,000 per person for bodily injury or death
$30,000 per accident for bodily injury or death
$25,000 for property damage

Accepted proof of insurance:

Copy of insurance policy or binder; or
Copy of I.D. card issued by insurance company; or
Copy of declaration page; or
Written statement from the insurance company or agent. This statement must be on letterhead stationery, signed by representative of company/agent, and include full description of the vehicle, including the VIN

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For more information about insurance in the state of Louisiana you can contact the Louisiana Department of Insurance at 1-800-259-5300 or visit the Louisiana Department of Insurance web site.

The state of Louisiana takes driving with out being properly covered or not having the financial wherewithal to cover an auto accident very seriously. The following  list of penalties are in place to keep people from taking the risk of driving with out coverage. These penalties are to be taken seriously and are here to help protect  you and your automobile in the event you are in an accident.

State Penalties:

Motorists who fail to provide proof of insurance can have their vehicles immediately impounded or have their license plates removed and a yellow sticker affixed to the back windshield of the vehicle. The motorist is then given three days to provide proof of insurance to the Office of Motor Vehicles. After three days, if the motorist is stopped again, the officer can impound his or her vehicle until proof of insurance is given and all towing and reinstatement fees are paid. The fines range from $75 to $100 on the first conviction, $100 to $250 on the second conviction and up to $700 on each conviction after that.

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For more information about insurance in the state of Louisiana you can contact the Louisiana Department of Insurance at 1-800-259-5300 or visit the Louisiana Department of Insurance web site.