What’s the minimum liability insurance coverage required by law in Louisiana?

Louisiana law sets forth the following amounts as the minimum allowed for auto insurance liability coverage:

• $15,000 coverage for bodily injury to any one person
• $30,000 coverage for total bodily injury for all people per accident
• $25,000 coverage for property damage (i.e. damage to a vehicle)

This state-required minimum coverage is often referred to as a “15/30/25 Policy.”
Louisiana’s minimum coverage amount was established with the intention of being affordable for all drivers and providing a baseline recovery for injuries and other damages. Obviously, in car accidents resulting in severe injuries requiring hospitalization or surgeries, or multi-car accidents with extensive property damages, minimum coverage will be insufficient to pay for the damages.

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