Frequently Asked Questions

Car insurance companies throughout the country can many times be either local to a state or nationally recognized. Drivers with coverage from national companies typically can have their policies transferred from their former state to Louisiana upon moving. However, drivers with local insurance will most likely have to get a new car insurance policy upon arriving in Louisiana. Contact the company to find out their coverage areas and if the area extends to Louisiana.

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Depending on the company a Louisiana driver has chosen as their car insurance provider, his or her car insurancemay be transferred to a new state. This typically applies for national auto insurance providers. However, some car insurance companies are local to Louisiana and do not have branches out of state. Contact the insurance company to see if their coverage extends to the new state. If so, there is no need to switch companies. If they do not cover the new state though, drivers must research a new company in the destination state.

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Under Louisiana state law, all licensed drivers owning and operating vehicles in Louisiana must have a minimum liability car insurance which includes bodily injury liability, property damage liability and uninsured motorist liability. Drivers in Louisiana found without these minimum requirements will have their license and registration automatically suspended until they can provide proof of minimum liability insurance. Additionally, drivers found in violation of the law will be subject to a $500 reinstatement fee and have to file a Financial Responsibility Insurance Certificate (form SR-22) with the Louisiana OMV for three years after the offense is committed.

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Louisiana state law requires all motorists who have been in an accident to report all damages to the Louisiana OMV. Additionally, residents must report the accident damages to insurance companies in order to make claims for financial compensation due to accidents. Minimum insurance requirements in Louisiana include bodily injury liability, property damage liability and uninsured motorist liability.

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Louisiana state law requires all residents who own and operate registered vehicles within the state to have minimum liability car insurance that includes bodily injury liability, property damage liability and uninsured motorist liability. Drivers residing out-of-state for half the year but still own and operate vehicles in Louisiana for the other half of the year are still required by law to meet LA minimum liability insurance requirements.

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Drivers in Louisiana who own and operate vehicles in the state must meet minimum liability car insurance coverage requirements as outlined by the Louisiana Office of Motor Vehicles (OMV). Required liability coverage includes:

• Bodily injury liability coverage: minimum $15,000 per person; $30,000 per accident
• Property damage liability coverage: minimum $25,000
• Medical payments: minimum $1,000 (drivers can opt out of this coverage)
• Uninsured motorist bodily injury: minimum $15,000 per person; $30,000 per accident.

Residents may also get higher coverage depending on their needs and financial capabilities.

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Louisiana state law requires all licensed drivers to provide proof of car insurance if involved in an accident or stopped by local law enforcement. To provide proof of car insurance, residents can provide:

• A paper insurance card issued by their insurance company.
• A copy of their insurance policy.
• An electronic copy of their insurance data.

Drivers found without proof of insurance are subject to fines and possible license suspension.

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Louisiana drivers are required to have a minimum amount of liability car insurance to own and operate vehicles within the state. Required car insurance includes:

• Bodily injury
• Property damage
• Medical payments
• Uninsured motorist bodily injury

Additionally, drivers who have purchased new vehicles that are being financed through a separate party may have to apply for full coverage car insurance as part of their financing agreement.

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Drivers in Louisiana who opt out of getting car insurance and still plan to operate a motor vehicle are subject to the penalties of minimum liability coverage laws in the state. Drivers found without minimum liability insurance will have their license and registration suspended. A $500 fee will be assessed when their license is reinstated and the driver will have to file an SR-22 Financial Responsibility Insurance Certificate with the Louisiana OMV for three years after the offense is committed. Minimum insurance requirements in Louisiana include bodily injury liability, property damage liability and uninsured motorist liability.

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Louisiana law states that all motor vehicles registered in the state must be insured by the owner of the vehicle. Vehicles that are inoperable or not being driven must either have liability car insurance, have the license plates surrendered or have a completed Statement of Non-Use on file for the vehicle. Statements of Non-Use can be submitted by printing out the form, completing it and visiting a local Louisiana OMV office. Statements of Non-Use may also be submitted online by visiting the OMV website.

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