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Louisiana has specific minimum insurance requirements that protect drivers, homeowners, and businesses. While minimums are just the starting point, understanding what your state requires is the first step toward proper coverage. Many drivers and homeowners benefit from higher limits than required.
Louisiana requires minimum 15/30/25 — $15,000 bodily injury per person, $30,000 per accident, $25,000 property damage. Most drivers should carry more.
Not required by state law, but your mortgage lender will require it. Coverage should match your home's replacement value at minimum.
Requirements vary by business type, vehicle class, and cargo. Commercial trucks operating interstate require minimum $750,000 liability.