Cheap car insurance in Louisiana for good drivers

To legally operate a vehicle in Louisiana, you must carry liability insurance.

To avoid serious expenses in the event of a major accident, you should consider coverage that protects:

• You and your passengers (MedPay coverage)

• Your vehicle (collision and comprehensive)

However, liability insurance is the only coverage you are legally required to select when purchasing auto insurance in Louisiana.

No, you cannot legally drive without auto insurance in Louisiana. State law requires every driver and vehicle owner to maintain continuous liability insurance and carry proof of it inside the vehicle. If you’re found driving without insurance, your driver’s license or vehicle registration could be suspended.

Yes. Louisiana requires vehicles to be insured in order to be registered, and you’ll need to keep that coverage in place for as long as the vehicle is registered. Letting your insurance lapse on a registered vehicle can lead to penalties, including suspension of your registration.

The easiest ways to save on your Louisiana car insurance premium are to drive safely, compare car insurance quotes, and review your coverage and deductible to find opportunities to save. With Root, you can get a personalized car insurance quote in minutes and explore coverage options that fit your needs and budget in the Pelican State.

No, Louisiana is not a no-fault state. It is an at-fault (or fault-based) state for car accidents. The driver who causes the crash is responsible for paying for medical bills, car repairs, and other damages through their insurance.

Louisiana law does not require drivers to carry collision coverage. The state only requires minimum liability insurance. Still, when comparing auto insurance quotes, consider adding collision protection to help pay for repairs to your vehicle after an accident, regardless of who caused it.

No, Louisiana drivers are not required to carry uninsured/underinsured motorist coverage. Like all auto insurance companies, Root offers optional UMPD and UM / UIM coverage in Louisiana to help pay for injuries or vehicle damage when the at-fault driver has no insurance or insufficient coverage. Insurers in Louisiana must offer this coverage, so if you don’t want it, you’ll need to reject it in writing. We make it easy to choose your coverage in our app.

There’s actually no such thing as “full coverage” in the auto insurance industry, but the term usually refers to combining liability (Bodily Injury and Property Damage), collision, and comprehensive. Root offers all of these coverages.

High-risk Louisiana drivers may be ordered by a court or the Louisiana Office of Motor Vehicles to provide an SR-22 after serious violations such as DUI, DWI, or driving without insurance.

An SR-22 is not insurance, but a certificate your auto insurer files to prove you carry the state-required minimum coverage. For high-risk drivers, failing to maintain it can result in license suspension.

Louisiana's "No Pay, No Play" law penalizes drivers who don't carry the required liability insurance. If you're uninsured and another driver causes an accident, you can't recover the first $15,000 in bodily injury damages or the first $25,000 in property damage. In other words, driving without insurance can cost you even when the crash isn't your fault.

For accidents on or after January 1, 2026, Louisiana switched from a pure comparative fault rule to a modified comparative fault rule with a 51% bar. Under the new rule, if you're found 51% or more at fault for an accident, you can't recover damages from the other driver. If you're less than 51% at fault, your compensation is reduced by your share of fault.