Find out how much you can save on Louisiana car insurance.

Download the app. Take a test drive around the Pelican State. Get a free quote.

Why choose Root for your Louisiana insurance policy?

Hey Louisiana, did you know that your state has the second-highest car insurance rates in the nation? The good news is that Root’s here to help. We make car insurance fair, simple, and affordable, and if you drive safely, you’ll pay up to 52% less to insure your car. How’s that for a big easy?

What makes Root different from traditional insurers in Louisiana?

We base rates primarily on how you actually drive, not just on some statistical profile of your age, credit score, marital status, and ZIP code.

Here’s how it works:

  1. Download the free Root app and breeze through a simple signup.
  2. Drive normally for 2-3 weeks. During that test drive, your smartphone gathers driving data and sends it to us to crunch the numbers (it knows if you’re a driver or passenger—don’t worry). We run that data through our machine learning algorithm to determine your customized rate.
  3. Get your free quote and customize your policy, all within the app. And because we don’t insure high-risk drivers, good drivers save up to 52%.

Root is disrupting the broken insurance industry by bringing fairness and ease to customers across the Pelican State.

The worst 30% of drivers
cause nearly 45% of all accident costs1
Bad drivers cause nearly 45% of all accident costs

It’s a good time to be a good driver in Louisiana.

Because Louisiana is an electronic proof of insurance state, you’ll always have legal, hassle-free proof of coverage on hand through the Root app on your phone. Root’s competitive quotes and simple app prove that car insurance can be easy and affordable for the state’s best drivers—from Baton Rouge to Shreveport, New Orleans to Lake Charles, and all points between (we’re looking at you, Lafayette).

What are the minimum car insurance requirements in Louisiana?

To legally operate a vehicle in Louisiana, you must carry liability insurance and uninsured/underinsured motorist coverage. If you’re found driving without it, you can face fines of up to $1,000 plus reinstatement fees.

Liability coverage helps to pay for property damage or bodily injuries that occur from a car accident you cause. It does not cover harm to you or your family members (that’s what Medical Payments or Personal Injury Protection coverages are for) or your vehicle (but Collision and Comprehensive coverages do). These additional coverages can help you avoid serious expenses in the event of a major accident.

Minimum required liability coverage in LA:

  • $15,000 Bodily Injury (per person)
  • $30,000 Bodily Injury (per accident – multiple people injured)
  • $25,000 Property Damage

You can always opt for higher limits if you want more coverage.

Uninsured and underinsured motorist coverage (UM/UIM) will help pay for your expenses when you've been in a car accident with a driver who doesn’t have car insurance, or whose car insurance amounts won't adequately cover your costs. Insurance companies in Louisiana are required to offer this coverage as part of your policy. However, you can reject this coverage in writing and still be in compliance with car insurance laws.

Minimum required uninsured/underinsured motorist coverage:

  • $15,000 Bodily Injury (per person)
  • $30,000 Bodily Injury (per accident – multiple people injured)

Again, you can always opt for higher limits if you want.

When do you need to show proof of insurance?

You must show proof of insurance if you’re stopped by a police officer or involved in a car accident, or when you register your car for the first time or renew a registration. Acceptable forms include:

  • An insurance ID card issued by your insurance carrier
  • Electronic version of your ID card, like the one found in the Root app on your phone

If you’re caught driving without proof of insurance, a police officer can either:

  • Remove your license plate and give you a Temporary Vehicle Use Authorization, allowing you to operate your car for three days to give you time to provide proof of insurance to the Office of Motor Vehicles
  • Impound your vehicle

If you’re insured with Root, you can avoid that trouble. As long as you’ve got your phone, you have legal proof through the Root app.

What other coverages does Root offer?

  • Collision
  • Comprehensive (including glass coverage)
  • Medical Payments
  • Personal Injury Protection
  • Uninsured Motorist Property Damage (UMPD)
  • Rental
  • Roadside Assistance (included in every Root policy)

Learn all about Root’s coverage options here:

Our Coverages

What are the fines and penalties if you’re caught without insurance?

If you’re caught driving without car insurance, you face the following penalties:

  • Pay a fine of up to $100 on your first offense, $500 on a second offense, and fines leading up to $1,000 for subsequent offenses
  • Pay a reinstatement fee (the fee varies depending on the number of days you drove without insurance)


After an insurance violation, you may also be required to get an SR-22 certification (also known as SR-22 insurance, or proof of future financial responsibility) from your auto insurance provider. The SR-22 certification is a form provided by your car insurance company to the Louisiana OMV that guarantees coverage for a period of time as determined by the OMV. (Root does this for free.)

If you allow your SR-22 to lapse, you’ll have to pay a fee to the OMV. The SR-22 certification may also be required to have your driver's license reinstated if it's been suspended.

What is the average cost of car insurance in Louisiana?

The average driver in Louisiana pays $1,921 2 per year for their auto policy, but many people pay much more—often to make up for their bad-driving counterparts. Root doesn’t insure high-risk drivers, so Root customers save up to $1,112/year on average—all while enjoying fair and simple car insurance.

What our customers tell us

Root car insurance app for iPhone and Android

Choosing your car insurance coverage just got easier.

Our app makes it quick and easy to get the coverage you need. Try it and see how much you can save.

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