Buy Cheap Louisiana Auto Insurance in 2024
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State Coverage Requirements
Coverage Type
State Coverage Requirements
Bodily Injury Liability
$15,000 limit per person / $30,000 limit per accident
Property Damage Liability
$25,000 limit
Collision
Not required, but recommended
Comprehensive
Not required, but recommended
Medical Expenses
Not required, but recommended
Personal Injury Protection (PIP)
Not required
Uninsured Motorist
Not required, but recommended
Underinsured Motorist
Not required, but recommended
Property Protection (PPI)
Not required
Average rates vs National Average
Cellphone/Texting
Buy Cheap Louisiana Auto Insurance in 2024
Explained
Hand-Held Cell Phone Ban:
Yes
In the state of Louisiana, an officer can give a driver with a Learner or Intermediate License (regardless of age) a citation for holding a cell phone even if no other driving offenses are taking place.
All Cell Phone Use Ban for Novice Drivers:
Yes
Drivers cannot use a cell phone at all while driving during their first year of having a driver's licence.
Texting Ban:
Yes
In Louisiana, text messaging is banned for all drivers.
DUI Laws
Buy Cheap Louisiana Auto Insurance in 2024
Explained
The legal limit for a blood alcohol concentration (BAC):
0.08
The legal limit for a blood alcohol concentration (BAC) while driving is 0.08. It is a crime to drive with a BAC at this number or above it.
Increased penalty for high BAC:
.15 and .20
There are increased penalties for driving with a BAC of .15 and .20 and above.
1st offense Suspension:
90 days
Administrative license suspension on the 1st offense: In Louisiana, law enforcers can confiscate a first-time offender's driver's license for 90 days if he or she exceeds the legal limit. For a second conviction, a 45-day hard suspension of driving privileges is required.
Ignition Interlocks:
Mandatory for all offenders
These are devices installed in the cars of convicted drunk drivers, which analyze the breath or the driver before starting the vehicle and disable the ignition if alcohol is detected. Louisiana made the installation of ignition interlocks mandatory for all offenders.
Repeat Offenders:
None
None for Louisiana.
Open Container Law:
None
None for Louisiana.
Graduated Drivers License
Buy Cheap Louisiana Auto Insurance in 2024
Explained
Learner Stage:
(Supervised driving, to be completed with a driving test): At 15 years of age, individuals can begin driving with supervision for a period of time lasting a minimum of six months. In this stage, the new drivers are required to get 50 hours of supervised driving hours, 15 of which need to be at night.
Intermediate Stage:
Min. Age: 16
Night Driving Restriction: 11pm-5am
Passenger Restriction: No more than 1 passenger under 21 between 6pm-5am
(Some limits are applied to unsupervised drivers in high-risk situations): Drivers who passed the driver's test at 16 are now unsupervised drivers in the intermediate stage. These drivers are not allowed to drive between the hours of 11pm and 5am and cannot drive with more than one passenger under 21 between the hours of 6pm and 5am.
Full Privilege Age:
Age: 17
(Full driver's license): At the age of 17, Louisiana drivers can now get a standard driver's license without any restrictions.
Speed Limit
Rural Interstates:
SPEED LIMIT
75
MPH
SPEED LIMIT
75
MPH
Urban Interstates:
SPEED LIMIT
70
MPH
SPEED LIMIT
70
MPH
Other Limited Access Roads:
SPEED LIMIT
70
MPH
SPEED LIMIT
70 MPH
Page Source: ghsa.org
Buy Cheap Louisiana Auto Insurance in 2024
Department of Insurance
Website: www.ldi.la.gov/
Address: 950 North Fifth Street, Baton Rouge, Louisiana 70804-9214
Phone: 225-342-5900 or (800) 259-5300 or 800-259-5301 (In State)
Buy Cheap Louisiana Auto Insurance in 2024
DMV Information
Website: omv.dps.state.la.us/
Phone: 225-925-6146