Car Insurance in Louisiana
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Car Insurance Liability Requirements in Louisiana
- Minimum Liability Limits in LA: 15/30/25 [4]
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- 15 Required coverage up to $15,000 for one individual injured in an accident
- 30 Required coverage up to $30,000 for all persons injured in an accident
- 25 Required coverage up to $25,000 for property damage in an accident
- Note: These amounts are the minimum required by the law. Drivers may opt to purchase auto insurance above the mandatory minimums.
Required Car Insurance Coverage in Louisiana
- Auto Insurance Coverage Requirements in LA [4]
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- Bodily injury liability coverage
- Property damage liability coverage
Car Insurance Verification Laws in Louisiana
- Insurer Verification of Auto Insurance in LA [4]
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- Insurer must notify Department of Motor Vehicles or other state agency of cancellation or nonrenewal.
- Insurers must submit entire list of insurance in effect, which may be compared with registrations at a state agency. Also known as a computer data law.
Louisiana Car Insurance Facts, Estimates & Related Laws
Louisiana Car Insurance Facts
- Average Car Insurance Rates in LA
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- Louisiana had the 3rd highest auto insurance rates in the nation in 2010. [2]
- Rates in LA ranked 3rd in the nation in 2009. [2]
- In 2008, LA had the 2nd highest rates in the country. [2]
- Number of Auto Insurance Policies in LA
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- Louisiana ranked 26th in the nation in auto insurance policies in 2011 with a total of 2,880,946. [1]
- Uninsured Motorist Rate in LA
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- The uninsured motorist rate in LA ranked 27th in the nation in 2009. [3]
Louisiana Distracted Driving Laws
- Hand-held phone ban? Yes
- hand-held phone ban in place for all learner's permit holders, irrespective of age, and all intermediate license holders. [7]
- Texting-while-driving ban? Yes
- Texting-while-driving ban in place for all drivers. [7]
- Young drivers cell phone ban? Yes
- Ban applies to all novice drivers, see footnote for detail4. [7]
- Bus driver cell phone ban? Yes
- Ban applies to school bus drivers. [7]
- Enforcement of laws:
- Primary enforcement in effect. [7]
- With primary enforcement, a police officer can pull over a driver for that specific offense.
- Under a primary law, a police officer can stop a driver for that specific offense. Under a secondary law, an officer must stop a driver for a primary offense before ticketing for the secondary offense.
Louisiana Automotive Laws
- Safety Belt Laws in LA
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- Safety belt laws have been in place since 1986 and apply to drivers/passengers 13+ years in all seats. [7]
- Child restraint law in place for younger than 1 year or less than 20 pounds in a child safety seat; 1 - 3 years or 20-39 pounds in a forward-facing child safety seat; 4 - 5 years or 40-60 pounds in a child booster seat. [7]
- Motorcycle Helmet Laws in LA
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- Motorcycle helmets required for all riders. [7]
- Driver's License Renewal Cycle in LA
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- Renewal cycle: 4 years [7]
Louisiana Auto & Driver Facts
Louisiana Automotive Facts
- Speed Limits in LA
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- Rural interstates: 75 mph [7]
- Urban interstates: 70 mph [7]
- Other roads: 65 mph [7]
- Motor Fuel Consumption in LA
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- Louisiana cities collectively ranked 24th in the nation in total motor fuel consumption in 2011. [9]
Louisiana Licensed Drivers
- Licensed Drivers in LA [10]
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- Total Drivers: 3,186,227
- Female: 1,646,556
- Male: 1,539,671
- LA has the 25th most drivers in the U.S.
- Minimum Driving Age in LA [5]
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- Louisiana has a minimum driving age of 15 years.
Louisiana Auto Registrations
- Auto Registrations in LA [8]
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- Registered Cars: 1,801,488
- Registered Trucks: 2,169,221
- Registered Motorcycles: 68,460
- Total Registrations: 4,052,596
- Rank: Louisiana ranked 23rd in the United States in total auto registrations in 2011.
Additional information about Louisiana
About Louisiana
Louisiana has a population of approximately 4,533,372, which ranks 25th in the U.S. among all states. [6]
More about Louisiana auto insurance
For more information about auto insurance in LA, or for additional resources regarding Louisiana car insurance, visit the Louisiana Department of Insurance.
Did you know?
Some motorcyclists are currently required by law to wear a helmet in 47 states and the District of Columbia.
1. ^ Automobile Insurance Plans Service Office (AIPSO)
2. ^ National Association of Insurance Commissioners (NAIC)
3. ^ Insurance Research Council (IRC)
4. ^ Insurance Information Institute (III)
5. ^ Insurance Institute for Highway Safety (IIHS)
6. ^ United States Census Bureau
7. ^ IIHS & Highway Loss Data Institute
8. ^ Office of Highway Policy Information
9. ^ U.S. Department of Transportation
10. ^ Federal Highway Administration
