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Louisiana Auto Insurance 
Louisiana minimum liability limits; $10,000 per person for injuries you cause to the other parties, $20,000 total per accident, and $10,000 for damage you cause to the other party's property. Consider other options such as medical payments, blanket unbrella, collision, uninsured motorist(UM) and underinsured motorist (UIM), comprehensive, and bodily injury coverage.
If you are convicted of DUI in Louisiana (Assuming your insurance company doesn't drop you immediately), your insurance costs will increase at least 30%. Buying insurance through a "high-risk" agency will cost substantially more.
If you are high risk (multiple tickets and/or accidents), you may have to go the Louisiana Automobile Insurance Plan. It was created to provide automobile insurance coverage to eligible risks who seek coverage and are unable to obtain such coverage through the voluntary market.
Below (again) are the minimal limits.
| State minimums |
Bodily injury liability / person |
Bodily injury liability / accident |
Property damage / accident |
Medical coverage (PIP) |
Uninsured motorist |
| Louisiana |
$10,000 |
$20,000 |
$10,000 |
$0 |
$0 |
Proof of insurance is required to be kept at all times in vehicle especially at the time of an accident. Your insurer must notify Department of Motor Vehicles or other state agency of cancellation or nonrenewal. Your insurer must also submit entire list of insurance in effect, which may be compared with registrations at a state agency. Also known as a computer data law. Penalties for driving without insurance in Louisiana are from a $25 fine to $500 fine, confiscation of plates, and vehicle impoundment.
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