Louisiana
Auto Insurance Coverages
How do you choose the car insurance that is right for you when there are so many companies offering auto insurance in Louisiana? Whether you live in New Orleans, Baton Rouge, Shreveport, or LaFayette, Allstate offers a wide selection of auto insurance policies, optional insurance coverages and other insurance products just for Louisiana. And when your auto insurance needs change, your local Allstate agent will help you make the right choices. If you have a teen driver, there are some additional considerations your local Allstate agent can help you with. Refer to the LA's Graduated Driver Licensing chart below for more information.
For more information on this state, visit the Louisiana State Information or Louisiana State Catastrophe page.
Louisiana Coverage Scale
Choosing what auto insurance coverages are right for you in Louisiana can be challenging. You can use the Louisiana auto insurance coverage levels chart below as a starting point for understanding the Louisiana coverage level requirements and for reviewing the most common car insurance coverages.
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Coverage
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State Requirements
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Most Common
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Bodily Injury Liability
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10,000/20,000*
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10,000/20,000
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Property Damage Liability
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10,000*
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25,000
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Uninsured Motorist Bodily Injury
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Not required*
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10,000/20,000
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Medical Payments
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Not required*
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5,000
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Collision
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Not required*
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500 deductible
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Comprehensive
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Not required*
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50 deductible
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Louisiana Graduated Driver Licensing
Help protect your teen driver by reviewing the Louisiana Graduated Driver Licensing (GDL) laws. The GDL laws are one of the few things that have been proven to save teen lives. You and your teen should become familiar with these laws and should use them to form guidelines and rules for your teen driver.
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Insurance Institute for Highway Safety Rating
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Fair
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Minimum Entry Age
(Optimal: 16)
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15
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Extended Learner Period
(Optimal: at least 6 months)
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Has optimal provision
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Parent Certification
(Optimal: 30 hours minimal)
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Has no provision
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Night Restriction
(Optimal: 9 or 10 p.m.)
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Has the provision
but it is not optimal
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Passenger Restriction
(Optimal: only 1 non-family member)
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Has no provision
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Minimum Exit Age
(Optimal: 18)
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17
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For more information on talking to your teen driver about safe driving, download the Parent-Teen Driving agreement (PDF format). Help protect your teen by taking time to learn more about teen driving research, facts, tips, driving laws, and programs.
Click here to get an auto insurance quote. Or, you can call 1-866-621-6900 to quote over the phone.
Click on the state listed below to learn more about teen driving rules and insurance coverages in that state.
Arkansas, Florida, Mississippi, Oklahoma, Texas
Coverage limits/deductibles identified as "most common" in the chart above are the most popular limits/deductibles selected by Allstate Insurance Company policyholders in Louisiana. Please note state minimums may change from time to time. Check with your state if you have additional questions about current state minimum.