# Louisiana Car Insurance Guide (2026): Laws, Costs, Quotes > Louisiana requires 15/30/25 liability. See how No Pay, No Play and the 51% fault rule changed, what Louisiana drivers pay and how to get an accurate quote. Source: https://ohlmeyerinsurance.com/blog/auto/louisiana-car-insurance-guide-requirements-costs-and-quotes/ [Home](https://ohlmeyerinsurance.com/) / [Blog](https://ohlmeyerinsurance.com/blog/) / [Auto Insurance](https://ohlmeyerinsurance.com/blog/#auto-insurance) # Louisiana Car Insurance Guide: Requirements, Costs and Quotes What Louisiana law requires, what changed in 2025 and 2026, what drivers here actually pay, and how to get a car insurance quote that protects you. In plain English, from a local agency in Houma, Raceland and Lafayette. Please enter a valid 5-digit ZIP code. or call [(985) 876-0116](tel:+19858760116) Almost done Where should we send it? A licensed agent from David’s team will reach out during business hours. Auto Home Home + auto bundle Condo Renters Landlord / rental Flood (NFIP) Umbrella Life Motorcycle Boat, RV & ATV Business By clicking **Get My Free Quote**, I give Ohlmeyer Insurance (David Ohlmeyer Jr. Agency) and its licensed agents my prior express written consent, by electronic signature, to contact me with calls and text messages — including marketing calls and texts made using automated technology or an artificial or prerecorded voice — and by email, at the number and email I provided, about my insurance quote and related insurance products and services, even if my number is on a Do Not Call list. My information is never sold or shared with other agencies for their own marketing. Consent is not a condition of purchase; I can call (985) 876-0116 instead. Message frequency varies. Message and data rates may apply. Reply STOP to opt out, HELP for help. I agree to the [Privacy Policy](https://ohlmeyerinsurance.com/privacy) and [Terms of Use](https://ohlmeyerinsurance.com/terms), including the [arbitration clause](https://ohlmeyerinsurance.com/terms#arbitration) and [E-SIGN consent](https://ohlmeyerinsurance.com/terms#esign). Please complete every field with a valid phone and email. You're all set A licensed agent will reach out during business hours about your auto quote. Rather talk now? [Call (985) 876-0116](tel:+19858760116) Mon–Fri 8:00 AM – 5:00 PM Central **4.6** 451 Verified Reviews **25+ Years** In the Community **Local** Insurance Agency **3 Offices** Houma, Raceland & Lafayette By the **Ohlmeyer Insurance team** · Reviewed by [**David Ohlmeyer Jr.**](https://ohlmeyerinsurance.com/about-david-ohlmeyer), licensed Louisiana insurance agent, 25+ years in the community · Updated October 11, 2026 · 19 min read · Houma, Raceland & Lafayette, LA The Short Version ## Louisiana car insurance requirements, costs and quotes, in 60 seconds - **Louisiana’s car insurance requirements start at 15/30/25 liability.** That’s $15,000 per injured person, $30,000 per wreck and $25,000 for property damage, under La. R.S. 32:900. It pays other people when you cause a wreck, not your own car, so the quotes we build usually start higher. - **Louisiana is an at-fault state, and since Jan. 1, 2026, 51% at fault means no recovery.** There’s no PIP requirement, and medical payments coverage is optional. - **Never let coverage lapse.** Under No Pay, No Play, an uninsured driver can’t recover the first $100,000 of injuries or the first $100,000 of property damage, even when the other driver caused the wreck. - **Uninsured motorist coverage comes at your liability limits unless you sign it away.** More than one in nine Louisiana drivers was estimated to be uninsured in 2023, so think twice before signing it away. - **Louisiana premiums run well above the national average.** The NAIC put Louisiana’s 2023 average expenditure at $1,749.22, against $1,281.60 nationally. That’s a statewide average, not your quote. - **Do this:** raise liability above the minimum, keep UM at your liability limits, carry comprehensive for storm season and review your policy before every renewal. Free policy review Want a second set of eyes on your auto policy? Send your ZIP and we’ll walk through your liability limits, UM coverage and deductibles with you. No spam, no obligation. Auto Home Home + auto bundle Condo Renters Landlord / rental Flood (NFIP) Umbrella Life Motorcycle Boat, RV & ATV Business Please add a valid 5-digit ZIP and pick what you need. Prefer to talk it through? [(985) 876-0116](tel:+19858760116) · Mon–Fri 8:00 AM – 5:00 PM Central 4.6★ · 451 verified customer reviews · Local agency in Houma, Raceland & Lafayette Almost done Where should we send it? A licensed agent from David’s team will reach out during business hours. By clicking **Get My Free Quote**, I give Ohlmeyer Insurance (David Ohlmeyer Jr. Agency) and its licensed agents my prior express written consent, by electronic signature, to contact me with calls and text messages — including marketing calls and texts made using automated technology or an artificial or prerecorded voice — and by email, at the number and email I provided, about my insurance quote and related insurance products and services, even if my number is on a Do Not Call list. My information is never sold or shared with other agencies for their own marketing. Consent is not a condition of purchase; I can call (985) 876-0116 instead. Message frequency varies. Message and data rates may apply. Reply STOP to opt out, HELP for help. I agree to the [Privacy Policy](https://ohlmeyerinsurance.com/privacy) and [Terms of Use](https://ohlmeyerinsurance.com/terms), including the [arbitration clause](https://ohlmeyerinsurance.com/terms#arbitration) and [E-SIGN consent](https://ohlmeyerinsurance.com/terms#esign). Please complete every field with a valid phone and email. You're all set A licensed agent will reach out during business hours about your auto quote. Rather talk now? [Call (985) 876-0116](tel:+19858760116) Mon–Fri 8:00 AM – 5:00 PM Central Maybe your renewal came in higher than last year. Maybe your teenager just got a license in Terrebonne Parish, or you’re signing for a new truck in Lafayette and the dealer wants proof of insurance before you drive off the lot. Or maybe you’ve carried the same Louisiana car insurance for years and never looked past the price. Most people don’t read their auto policy until after a wreck on US-90, a hit-and-run in a parking lot or a car sitting in floodwater after a storm. This guide is the version you read before. We’ll cover what Louisiana law requires, what happens if you drive without coverage, and why uninsured motorist coverage matters so much here. Then we’ll explain how liability, collision and comprehensive fit together, what Louisiana drivers pay on average, what changed in the 2025 and 2026 law updates, and how to get a quote that protects you. We help South Louisiana drivers with these decisions from our offices in Houma, Raceland and Lafayette. ## What car insurance does Louisiana require? **The short answer:** Louisiana requires liability coverage of at least 15/30/25 on every vehicle you own, and LDI advises keeping proof of that coverage in the car. [La. R.S. 32:900](https://legis.la.gov/legis/Law.aspx?d=88632) sets the minimum. In plain English: **$15,000** for injuries to one person, **$30,000** for injuries to two or more people in the same wreck, and **$25,000** for damage to other people’s property. The Louisiana Department of Insurance’s [Auto Insurance Guide](https://www.ldi.la.gov/docs/default-source/documents/publicaffairs/consumerpublications/auto-insurance-guide.pdf) (rev. March 2026) lists the same 15/30/25 limits for each vehicle. Liability works in one direction. It pays the **other** driver’s medical bills and repairs when you’re at fault, and it pays for your legal defense if you’re sued. It doesn’t fix your car, and it doesn’t pay your own medical bills. **Louisiana is an at-fault state, not a no-fault state.** The driver who causes a wreck is responsible for the damage, and Louisiana doesn’t require personal injury protection (PIP). Medical payments coverage is optional. Fault can be shared, and as of January 1, 2026, a driver found 51% or more at fault can’t recover damages at all (more on that in the [law changes](#law-changes) section). **Proof of insurance.** Keep your insurance card in the vehicle. LDI also suggests asking whether your insurer offers an electronic version you can keep on your phone. Good to know **The minimum is a legal floor, not a recommendation.** The law sets the least you can carry on each vehicle. It doesn’t decide what’s enough for your household, and for most families with a home, savings or a teen driver, 15/30/25 isn’t. We’ll show why in the [liability section](#liability-limits) . ## What happens if you drive without insurance in Louisiana? **The short answer:** Driving uninsured in Louisiana can cost you your registration, your plates and your car, and under No Pay, No Play you can’t recover the first $100,000 of your own injuries or damage, even if the other driver caused the wreck. LDI’s [Auto Insurance Guide](https://www.ldi.la.gov/docs/default-source/documents/publicaffairs/consumerpublications/auto-insurance-guide.pdf) lists what you face for driving without coverage, letting it lapse or falsely claiming you have it: - **Fines**, which LDI calls “considerable.” - **Impoundment** of the vehicle, **revocation** of its registration and **cancellation** of its license plate. - **A 180-day suspension** of your license and registrations if you’re in a wreck without liability insurance. - **A 12- to 18-month revocation** if you falsely claim to have insurance. **No Pay, No Play is the bigger risk.** Under [La. R.S. 32:866](https://legis.la.gov/Legis/Law.aspx?d=88612), an owner or driver who doesn’t carry the required insurance can’t recover the first **$100,000** of bodily injury damages or the first **$100,000** of property damage, no matter who caused the wreck. Before [Act 16 of 2025](https://legis.la.gov/legis/BillInfo.aspx?s=25RS&b=HB434) (HB 434) took effect on August 1, 2025, those thresholds were $15,000 and $25,000. If an uninsured driver sues and is awarded $100,000 or less for injuries, the statute makes that driver liable for all court costs. There are exceptions, for example when the other driver is convicted of DWI for that wreck, caused it on purpose or fled the scene. But for most uninsured drivers, a lapse now means you can’t collect the first $100,000 of your losses from the driver who hit you. Louisiana watch-out **A short lapse is no longer a small risk.** If your policy cancels for nonpayment and someone runs a red light into you the next day, No Pay, No Play generally applies. Set up automatic payments or calendar reminders, and call us before a policy lapses, not after. A 2025 law also bars insurers from raising your rate for a first lapse of 90 days or less, starting January 1, 2026, but that doesn’t restore your right to recover. ## Is uninsured motorist coverage required in Louisiana, and should you keep it? **The short answer:** Your policy includes uninsured motorist coverage at your liability limits unless you sign it away on a state form, and with more than one in nine Louisiana drivers estimated uninsured, it’s worth keeping. Louisiana’s default is unusual: UM matches your liability limits. Under [La. R.S. 22:1295](https://legis.la.gov/Legis/Law.aspx?d=508161), a policy on a Louisiana-registered car must include uninsured/underinsured motorist (UM) bodily injury coverage with limits matching your liability limits. You can reject it, choose lower limits or choose economic-only coverage, but only on a form prescribed by the Commissioner of Insurance and signed by the named insured. 11.7% of Louisiana drivers were estimated to be uninsured in 2023, compared with 15.4% nationally. Source: Insurance Research Council, via the [Insurance Information Institute](https://www.iii.org/fact-statistic/facts-statistics-uninsured-motorists) . **UM** pays for your injuries when the at-fault driver has no insurance or too little to cover what you’re owed, and in many hit-and-runs. That second part matters here. A driver carrying only $15,000 of injury coverage can be “insured” on paper and still leave a serious injury mostly unpaid. The form deserves a careful read. The statute says the selection you sign stays with the policy for its life, including renewals with the same insurer. If you rejected UM or picked lower limits years ago to save a few dollars, that choice is probably still in force today. You can change it at any time by signing a new form. - **Economic-only UM** pays economic losses like medical bills and lost wages, but not pain and suffering. LDI notes that choosing it means giving up a pain-and-suffering claim, so it’s a real trade-off. - **UM property damage** is available on request: if you haven’t rejected UM and don’t carry collision, you can ask your insurer in writing to add it. It pays up to the lesser of the car’s value or the $25,000 minimum, with a **$250 deductible**, and it doesn’t cover damage without contact with the uninsured vehicle unless an independent, disinterested witness backs up the claim. **Reviewed by David Ohlmeyer Jr.** David leads Ohlmeyer Insurance, a local insurance agency with offices in Houma, Raceland and Lafayette, and has 25+ years in the community. He’s a Nicholls State graduate and a small business owner himself. Not sure what you signed on your UM form? Ask us and we’ll walk through it with you. ## Liability, collision and comprehensive: what’s the difference in Louisiana? **The short answer:** Liability pays for damage you cause to others, collision repairs your own car after a wreck, and comprehensive covers theft, hail, falling trees and floodwater, which makes it the coverage that matters most in a hurricane. You won’t find “full coverage” in Louisiana law. When people say it, they usually mean liability plus collision and comprehensive. A policy that meets the legal minimum can still leave you paying for your own car after a storm or a wreck you caused. Sources: [La. R.S. 32:900](https://legis.la.gov/legis/Law.aspx?d=88632) , [La. R.S. 22:1295](https://legis.la.gov/Legis/Law.aspx?d=508161) and LDI’s [Auto Insurance Guide](https://www.ldi.la.gov/docs/default-source/documents/publicaffairs/consumerpublications/auto-insurance-guide.pdf) (rev. 03/2026). Coverage details vary by policy. Coverage What it pays for Required in Louisiana? Liability Other people’s injuries and property when you cause a wreck, plus your legal defense. Required At least 15/30/25. Uninsured/underinsured motorist Your injuries when the at-fault driver has no insurance or too little. Included unless rejected Rejecting or lowering it takes a signed state form. Medical payments Medical bills for you and your passengers, regardless of fault. Optional Louisiana has no PIP requirement. Collision Repairing or replacing your car after a wreck, whoever caused it. Optional Your lender will usually require it. Comprehensive Theft, fire, vandalism, hail, falling trees, hitting an animal and flood damage. Optional Your lender will usually require it. Rental reimbursement A rental car while yours is repaired after a covered claim, up to a set limit. Optional Check the daily limit after a storm, when repairs take longer. Gap The difference between your loan balance and the car’s value after a total loss. Optional Worth asking about on a new loan or lease. If you still owe money on your car, your lender will usually require collision and comprehensive. Once it’s paid off, keeping them is your decision, and it comes down to what the car is worth and what you could afford to replace. Hurricane season **Comprehensive is the coverage that pays for a flooded car.** Liability and collision don’t cover floodwater, wind or a tree falling on a parked car. Comprehensive generally does, minus your deductible. Your home’s flood policy won’t cover your car either. Before a storm, move vehicles to higher ground if you can, and take photos of each one. After it passes, report the claim before you try to start a car that sat in water. ## How much liability coverage does a Louisiana household need? **The short answer:** Enough to protect what you own and earn, which for most households means limits well above Louisiana’s 15/30/25 minimum, because anything a judgment exceeds your limits can come out of your own pocket. One serious wreck with a newer vehicle or more than one injured person can go past the minimum quickly. Here’s how that plays out: Illustrative example · not a quote You rear-end a pickup in slow traffic on US-90 near Houma, and you’re at fault. The other driver’s medical bills come to **$40,000** , the passenger’s to **$15,000** , and the truck is a **$32,000** total loss. - With **15/30/25** limits, the policy pays up to $15,000 for the driver and $15,000 for the passenger (the $30,000 per-wreck cap), plus $25,000 for the truck. That’s $55,000, which leaves **$32,000** that could fall on you. - With **100/300/100** limits, each amount falls inside its limit, so the policy would have room for all **$87,000** in this example. Real claims can also include lost wages, pain and suffering and legal costs, and how any claim is paid depends on your policy and the facts. There’s no single right number, but there are good questions to ask: - **What could a lawsuit reach?** Home equity, savings and future wages all count. - **Who drives your vehicles?** A newly licensed teen, a long daily commute on I-10 or a work truck on LA-24 changes the odds. - **What do you carry for your own family?** Louisiana’s default UM limit matches your liability limit, so raising liability usually raises the protection your own family gets from UM, too. For households with real assets to protect, an [umbrella policy](https://ohlmeyerinsurance.com/umbrella-insurance) adds a layer of liability protection above your auto and home policies. We can price one alongside your auto policy so you can see the difference in dollars. When we review an auto policy with you, we start with the liability and UM lines, before the price. We can price two or three limit levels side by side so you can see exactly what each step up costs. Free coverage check Not sure your limits fit your household? We’ll price two or three liability levels side by side so you can see what each step up costs. Auto Home Home + auto bundle Condo Renters Landlord / rental Flood (NFIP) Umbrella Life Motorcycle Boat, RV & ATV Business Please add a valid 5-digit ZIP and pick what you need. Prefer to talk it through? [(985) 876-0116](tel:+19858760116) · Mon–Fri 8:00 AM – 5:00 PM Central 4.6★ · 451 verified customer reviews · Local agency in Houma, Raceland & Lafayette Almost done Where should we send it? A licensed agent from David’s team will reach out during business hours. By clicking **Get My Free Quote**, I give Ohlmeyer Insurance (David Ohlmeyer Jr. Agency) and its licensed agents my prior express written consent, by electronic signature, to contact me with calls and text messages — including marketing calls and texts made using automated technology or an artificial or prerecorded voice — and by email, at the number and email I provided, about my insurance quote and related insurance products and services, even if my number is on a Do Not Call list. My information is never sold or shared with other agencies for their own marketing. Consent is not a condition of purchase; I can call (985) 876-0116 instead. Message frequency varies. Message and data rates may apply. Reply STOP to opt out, HELP for help. I agree to the [Privacy Policy](https://ohlmeyerinsurance.com/privacy) and [Terms of Use](https://ohlmeyerinsurance.com/terms), including the [arbitration clause](https://ohlmeyerinsurance.com/terms#arbitration) and [E-SIGN consent](https://ohlmeyerinsurance.com/terms#esign). Please complete every field with a valid phone and email. You're all set A licensed agent will reach out during business hours about your auto quote. Rather talk now? [Call (985) 876-0116](tel:+19858760116) Mon–Fri 8:00 AM – 5:00 PM Central ## How much does car insurance cost in Louisiana? **The short answer:** The NAIC put Louisiana’s 2023 average auto insurance expenditure at $1,749.22 a year, about 36% above the $1,281.60 national figure; that’s a statewide average, not your quote. These figures come from the National Association of Insurance Commissioners’ [2023 Auto Insurance Database Average Premium Supplement](https://content.naic.org/sites/default/files/aut-db_1.pdf), published in June 2025. The NAIC builds them from premiums insurers actually reported, so they reflect premiums actually paid, not a sample driver. Source: NAIC, [2023 Auto Insurance Database Average Premium Supplement](https://content.naic.org/sites/default/files/aut-db_1.pdf) (June 2025). Statewide averages, not quotes. 2023 measure Louisiana United States Average expenditure **$1,749.22** $1,281.60 Combined average premium **$1,979.13** $1,438.46 Liability average premium about $1,052 about $737 Collision average premium $581.00 $463.69 Comprehensive average premium $345.93 $238.21 How to read these numbers **Average expenditure** divides all the liability, collision and comprehensive premium Louisiana drivers paid by the number of insured vehicles, so it blends liability-only policies with full coverage. **Combined average premium** adds the three average premiums together, which is closer to what a full-coverage policy costs. Louisiana sits near the top nationally: in the NAIC’s 2022 data, its average expenditure was the second-highest in the country, according to the [Insurance Information Institute](https://www.iii.org/table-archive/21247) . **Why do other websites show different Louisiana averages?** Most of the “average cost” numbers you’ll find online price one sample driver, often a 40-year-old with a clean record, buying full coverage at limits well above the minimum. Each site picks a different driver, car, ZIP mix and set of limits, so the numbers disagree. The NAIC figure measures what Louisiana drivers actually paid. Neither one is your price. Look past the premium Minimum limits, a rejected UM form and no comprehensive usually mean a lower premium. In Louisiana, they also mean a far bigger bill after one bad wreck or one flooded car. Price the coverage you’d want after a storm, then decide what to trim. ### What moves a Louisiana car insurance premium? Insurers set your rate from factors that LDI describes in its [Auto Insurance Guide](https://www.ldi.la.gov/docs/default-source/documents/publicaffairs/consumerpublications/auto-insurance-guide.pdf). The guide says it’s illegal to use race or religion to set rates, and lists the factors insurers can weigh: Location ### Where you live LDI notes that rates tend to be higher in urban areas, where accidents and auto thefts are more common. Driver ### Age, gender and marital status LDI says single males under 30 and females under 25 generally pay more. Credit information can be used too. Record ### Tickets and at-fault wrecks Both can raise your premium. A clean record works in your favor. Use ### How you drive the car Annual mileage, work use and a long commute all count, according to LDI. Vehicle ### The car itself Luxury, sports and high-performance cars carry the highest collision and comprehensive rates. Coverage ### Limits and deductibles Your liability, medical and UM limits, optional coverages and deductibles all shape the price. **Discounts are real, but they vary.** LDI lists several: multi-car, bundling auto with a home or life policy, telematics or safe-driving programs, good student, senior and defensive-driving discounts, teen driver education, anti-lock brakes and other safety features, anti-theft devices and low annual mileage. Discounts vary and are subject to terms, conditions and availability, so ask which ones fit your household. Bundling your [home insurance](https://ohlmeyerinsurance.com/home-insurance) with your auto policy is usually the first one we check. ## What changed in Louisiana car insurance law in 2025 and 2026? **The short answer:** The 2025 session raised No Pay, No Play to $100,000, barred recovery for drivers 51% or more at fault, barred rate increases for a first coverage lapse of 90 days or less or solely for turning 65, and tightened the texting-while-driving law. These changes came out of the 2025 Regular Session’s insurance and tort reform package, summarized on the [Governor’s office reform page](https://gov.louisiana.gov/InsuranceReform). The Act numbers and effective dates below come from each bill’s history on the [Louisiana Legislature](https://legis.la.gov/) site. Sources: Louisiana Legislature bill histories ( [HB 434](https://legis.la.gov/legis/BillInfo.aspx?s=25RS&b=HB434) , [HB 431](https://legis.la.gov/legis/BillInfo.aspx?s=25RS&b=HB431) , [HB 496](https://legis.la.gov/legis/BillInfo.aspx?s=25RS&b=HB496) , [HB 258](https://legis.la.gov/legis/BillInfo.aspx?s=25RS&b=HB258) , [HB 519](https://legis.la.gov/legis/BillInfo.aspx?s=25RS&b=HB519) ), checked October 2026. Change What it means for you Effective No Pay, No Play raised (Act 16, HB 434) Uninsured owners and drivers can’t recover the first $100,000 of injuries or the first $100,000 of property damage. Aug. 1, 2025 Modified comparative fault (Act 15, HB 431) If you’re 51% or more at fault, you can’t recover damages. Below that, your recovery is reduced by your share of fault. Jan. 1, 2026 First-lapse protection (Act 476, HB 496) Insurers can’t raise your rate or add a surcharge for a first lapse in coverage of 90 days or less. Repeated lapses can still count. Jan. 1, 2026 Age 65 (Act 168, HB 258) Auto insurers can’t raise your premium solely because you turned 65. Aug. 1, 2025 Distracted driving (Act 288, HB 519) Bars texting and posting to social networking sites while driving. Aug. 1, 2025 Two of these change how a claim plays out after a wreck. Shared fault matters more than it used to: at 51%, a driver now recovers nothing. And No Pay, No Play makes a lapse in coverage far more expensive than the premium you skipped. Neither changes the 15/30/25 minimum. ## How do you get an accurate Louisiana car insurance quote? **The short answer:** Start from your current declarations page, choose liability and UM limits that protect what you own, set deductibles you could pay tomorrow, and list every driver and vehicle accurately so the price holds up. A quote is a set of coverage decisions with a price attached. Two quotes at different prices often aren’t the same coverage: one may carry lower liability limits, a rejected UM form, a higher deductible or no rental coverage. Here’s how we build a quote with you: - **Start with your current declarations page** It lists your drivers, vehicles, coverages, limits, deductibles and premium. Use it as the baseline, so every change from it is on purpose. - **Set liability limits to protect what you own** Start from 15/30/25 and ask what 100/300/100 or higher would cost. Think about the home equity, savings and income a lawsuit could reach. - **Decide on UM with your eyes open** Keep UM at your liability limits unless you have a real reason not to. If you rejected it years ago, that form is probably still on your policy. - **Pick deductibles you could pay tomorrow** Your collision and comprehensive deductibles are what you pay first on a claim. After a hurricane, that bill can arrive at the same time as your home deductible. - **List every driver and vehicle accurately** Include the teen with a new license and the college student who drives home from Nicholls or UL Lafayette on weekends. A missing driver or vehicle can cause problems at claim time. - **Give complete history up front** A quote isn’t firm until the insurer checks your driving record and, where it’s used, your credit. Mentioning the ticket from two years ago now keeps the price from changing later. - **Ask which discounts apply** Multi-car, bundling, safe-driving, good student and safety-feature discounts can all add up. Discounts vary and are subject to terms, conditions and availability. Timing matters too. The best moment for a review is a few weeks before renewal, before June 1 hurricane season, or before a change like adding a teen driver, buying a vehicle, moving or buying a home. ## The bottom line Louisiana car insurance starts with a legal floor of 15/30/25 liability, but that floor only protects other people, and only up to those limits. The decisions that matter most sit above it: **liability limits that protect what you own**, **UM coverage you chose on purpose**, **comprehensive for storm season** and **never letting coverage lapse** now that No Pay, No Play reaches $100,000. Louisiana premiums run well above the national average, which makes it tempting to buy the minimum. That’s exactly when a second set of eyes helps. Send us your ZIP below, or call our Houma office at [(985) 876-0116](tel:+19858760116) (call or text) or our Lafayette office at [(337) 232-1800](tel:+13372321800). We’ll read your declarations page with you, show what your limits would and wouldn’t pay, and quote the coverage you actually want. You can also start on our [auto insurance page](https://ohlmeyerinsurance.com/auto-insurance) or go straight to a [free quote](https://ohlmeyerinsurance.com/quote?type=auto). Free auto quote Ready for a quote built around your coverage? Start with your ZIP. A licensed agent from David’s team will follow up during business hours. Auto Home Home + auto bundle Condo Renters Landlord / rental Flood (NFIP) Umbrella Life Motorcycle Boat, RV & ATV Business Please add a valid 5-digit ZIP and pick what you need. Prefer to talk it through? [(985) 876-0116](tel:+19858760116) · Mon–Fri 8:00 AM – 5:00 PM Central 4.6★ · 451 verified customer reviews · Local agency in Houma, Raceland & Lafayette Almost done Where should we send it? A licensed agent from David’s team will reach out during business hours. By clicking **Get My Free Quote**, I give Ohlmeyer Insurance (David Ohlmeyer Jr. Agency) and its licensed agents my prior express written consent, by electronic signature, to contact me with calls and text messages — including marketing calls and texts made using automated technology or an artificial or prerecorded voice — and by email, at the number and email I provided, about my insurance quote and related insurance products and services, even if my number is on a Do Not Call list. My information is never sold or shared with other agencies for their own marketing. Consent is not a condition of purchase; I can call (985) 876-0116 instead. Message frequency varies. Message and data rates may apply. Reply STOP to opt out, HELP for help. I agree to the [Privacy Policy](https://ohlmeyerinsurance.com/privacy) and [Terms of Use](https://ohlmeyerinsurance.com/terms), including the [arbitration clause](https://ohlmeyerinsurance.com/terms#arbitration) and [E-SIGN consent](https://ohlmeyerinsurance.com/terms#esign). Please complete every field with a valid phone and email. You're all set A licensed agent will reach out during business hours about your auto quote. Rather talk now? [Call (985) 876-0116](tel:+19858760116) Mon–Fri 8:00 AM – 5:00 PM Central ## Other questions Louisiana drivers ask ### Does car insurance cover a car flooded in a hurricane? Yes, if you carry comprehensive coverage. A flooded car is generally a comprehensive claim, paid minus your deductible. Our [flood insurance page](https://ohlmeyerinsurance.com/flood-insurance) covers the separate NFIP policy for your home and belongings, which doesn’t cover vehicles. ### Should my teen go on our family policy? Usually that’s where to start. Adding a teen to the household policy keeps every driver and vehicle on one policy, and good-student and driver-education discounts may help, subject to terms, conditions and availability. Our [auto insurance page](https://ohlmeyerinsurance.com/auto-insurance) explains how we set up family policies. ### Do I need an umbrella policy on top of my car insurance? If you own a home, have savings, own a boat or have a teen driver, it’s worth pricing one. An umbrella adds liability protection above your auto and home limits for the rare claim that goes past them. See our [umbrella insurance page](https://ohlmeyerinsurance.com/umbrella-insurance). ### Is my motorcycle covered by my car insurance? No. A motorcycle needs its own policy. Ask whether insuring it alongside your car qualifies for a multi-policy discount. Our [motorcycle insurance page](https://ohlmeyerinsurance.com/motorcycle-insurance) has the details. ### Can I bundle my home and car insurance? Yes. Bundling home and auto is one of the discounts LDI lists, and it keeps both policies with one local team. Discounts vary and are subject to terms, conditions and availability. Start on our [home insurance page](https://ohlmeyerinsurance.com/home-insurance). ### Who can I call if I have a problem with my insurance company? Start with your agent, then the company’s customer service. If that doesn’t resolve it, the Louisiana Department of Insurance takes calls at 1-800-259-5300. If you’re our client, our [service center](https://ohlmeyerinsurance.com/service-center/) is the fastest way to reach us. ## Louisiana car insurance FAQ Is Louisiana a no-fault state? No. Louisiana is an at-fault state. The driver who causes a wreck is responsible for the other people’s injuries and property damage, usually through their liability coverage, and Louisiana doesn’t require personal injury protection (PIP). Fault can be shared between drivers. Under Act 15 of 2025, which took effect January 1, 2026, a driver found 51% or more at fault can’t recover damages at all, and a driver below 51% has their recovery reduced by their share of the fault. Medical payments coverage, which pays medical bills regardless of fault, is optional in Louisiana. What is the minimum car insurance required in Louisiana? Louisiana requires liability coverage of at least $15,000 for injuries to one person, $30,000 for injuries to two or more people in one wreck and $25,000 for property damage, often written 15/30/25. That’s set by La. R.S. 32:900, and the Louisiana Department of Insurance lists the same limits for each vehicle you own. The minimum only pays for damage you cause to other people. It doesn’t repair your car, and one serious wreck can exceed it, so most households with a home, savings or a teen driver carry higher limits. Is uninsured motorist coverage required in Louisiana? Your policy includes it by default. Under La. R.S. 22:1295, an auto policy on a Louisiana-registered vehicle must include uninsured motorist bodily injury coverage at the same limits as your liability coverage, unless the named insured rejects it, chooses lower limits or chooses economic-only coverage on a form prescribed by the Commissioner of Insurance. That signed form stays with the policy through renewals with the same insurer, and you can change your choice at any time with a new form. With more than one in nine Louisiana drivers estimated to be uninsured in 2023, it’s worth keeping. What is Louisiana’s No Pay, No Play law? No Pay, No Play, in La. R.S. 32:866, says an owner or driver who doesn’t carry the required car insurance can’t recover the first $100,000 of bodily injury damages or the first $100,000 of property damage after a wreck, regardless of who caused it. Act 16 of 2025 raised those amounts from $15,000 and $25,000, effective August 1, 2025. There are exceptions, for example when the other driver is convicted of DWI for that wreck, caused it intentionally or fled the scene. In practice, a lapse in coverage can leave you unable to collect much of your own loss from the driver who caused the wreck. What are the new car insurance laws in Louisiana for 2026? Two 2025 Acts took effect January 1, 2026. Act 15 bars recovery for a driver found 51% or more at fault and reduces recovery below that by the driver’s share of fault. Act 476 bars insurers from raising your rate or adding a surcharge for a first lapse in coverage of 90 days or less. Three others took effect August 1, 2025: Act 16 raised No Pay, No Play to $100,000, Act 168 bars auto premium increases solely because you turned 65, and Act 288 addresses texting and social media use while driving. The 15/30/25 minimum didn’t change. How much is car insurance in Louisiana per month? The National Association of Insurance Commissioners put Louisiana’s 2023 average auto insurance expenditure at $1,749.22 a year, which works out to about $146 a month, compared with $1,281.60 a year nationally. That average blends liability-only policies with full coverage. The NAIC’s combined average premium, closer to a full-coverage policy, was $1,979.13 a year. Your own price depends on where you live, your driving record, your vehicle, who drives it and the limits and deductibles you choose, so treat these as statewide averages, not a quote. Does car insurance cover flood damage to my car in Louisiana? It does if you carry comprehensive coverage. Floodwater, falling trees, wind and hail are generally comprehensive claims, paid minus your comprehensive deductible and subject to your policy’s terms. Liability-only policies and collision coverage don’t pay for a flooded car, and a home flood policy doesn’t cover vehicles either. If you live in Terrebonne, Lafourche or another flood-prone parish, comprehensive is worth keeping even on an older car you could not easily replace. Before a storm, move vehicles to higher ground if you can, and photograph each one. About this guide Written by the Ohlmeyer Insurance team · Reviewed by David Ohlmeyer Jr. David Ohlmeyer Jr. leads Ohlmeyer Insurance, a local insurance agency with offices in Houma, Raceland and Lafayette. He has 25+ years in the community, holds a Bachelor of Science from Nicholls State University and helps South Louisiana families and businesses with auto, home, flood, life and business coverage. [More about David →](https://ohlmeyerinsurance.com/about-david-ohlmeyer) This guide is general information, not legal or financial advice, and it doesn't change any policy. Coverage is subject to policy terms, conditions, qualifications and availability. Insurance products are underwritten and issued by the insurance company named in your policy. Discounts vary and are subject to terms, conditions and availability. Figures cited were accurate on the date shown and can change. Last reviewed by David Ohlmeyer Jr. on October 11, 2026. **David Ohlmeyer Jr.** Your local agent · Houma, Raceland & Lafayette Free coverage review ### Get your Louisiana auto quote We review your coverage line by line, then price it. A licensed local agent, not a call center. [Get My Free Quote →](https://ohlmeyerinsurance.com/quote?type=auto) [(985) 876-0116](tel:+19858760116) 4.6★ · 451 reviews 25+ years 2 local offices Related guides [Louisiana auto insuranceService page · how we build every quote](https://ohlmeyerinsurance.com/auto-insurance) What car insurance is required in Louisiana?Publishing next Uninsured motorist coverage in LouisianaPublishing next How much is car insurance in Louisiana?Publishing next [Umbrella insuranceLiability above your auto and home](https://ohlmeyerinsurance.com/umbrella-insurance) [All auto insurance guidesThe full Louisiana auto pillar](https://ohlmeyerinsurance.com/blog/#auto-insurance) Talk to a local agent **Houma office** 6658 W Park Ave, Houma, LA 70364 [(985) 876-0116](tel:+19858760116) · call or text **Raceland office** 4767 Hwy 1, Suite A, Raceland, LA 70394 [(985) 876-0116](tel:+19858760116) · same line as Houma **Lafayette office** 1019 E Saint Mary Blvd, Lafayette, LA 70503 [(337) 232-1800](tel:+13372321800) Houma & Lafayette: Mon–Fri 8:00 AM – 5:00 PM Central · weekends by appointment. Call ahead for Raceland. ## Also read [All Louisiana insurance guides →](https://ohlmeyerinsurance.com/blog/) [Coverage ### Louisiana Auto Insurance in Houma, Raceland & Lafayette Auto insurance in Houma, Lafayette and South Louisiana from your local insurance agent. Louisiana 15/30/25 minimums, UM coverage, storm-ready comprehensive. See coverage →](https://ohlmeyerinsurance.com/auto-insurance) [Coverage ### Home Insurance in Houma, Lafayette & South Louisiana Louisiana home insurance from Ohlmeyer Insurance, your local insurance agent in Houma, Raceland and Lafayette. Rebuild-cost coverage, named-storm deductibles, flood and the Fortify Homes Program explained. See coverage →](https://ohlmeyerinsurance.com/home-insurance) [Coverage ### Umbrella Insurance in Houma, Raceland & Lafayette, LA personal umbrella policy from your local agent in Houma, Raceland and Lafayette. Extra liability above your auto, home and boat policies. See coverage →](https://ohlmeyerinsurance.com/umbrella-insurance) ## Let’s look at your auto policy together. Free, and no obligation. Bring your declarations page. We’ll check your liability and uninsured motorist limits, put your deductibles in dollars and make sure your car is covered for storm season. [Get My Free Quote](https://ohlmeyerinsurance.com/quote?type=auto) [or call **(985) 876-0116**](tel:+19858760116) --- **Ohlmeyer Insurance** (David Ohlmeyer Jr.) · Houma: 6658 W Park Ave, Houma, LA 70364, (985) 876-0116 · Raceland: 4767 Hwy 1, Suite A, Raceland, LA 70394, (985) 876-0116 (same line as Houma) · Lafayette: 1019 E Saint Mary Blvd, Lafayette, LA 70503, (337) 232-1800 · Houma and Lafayette open Mon–Fri 8:00 AM–5:00 PM Central; call ahead for Raceland Request a quote: https://ohlmeyerinsurance.com/quote-request (plain HTML form) or https://ohlmeyerinsurance.com/quote (guided).