Insurance requirement guides for Louisiana.
$15,000 / $30,000 / $25,000
Bodily injury per person / per accident / property damage, written 15/30/25
Set by La. R.S. 32:900. Read off the statute on , and the figure every Louisiana guide on this site is checked against.
Compare it with every stateInsurance regulation
Registration and insurance verification
Louisiana has no state boat insurance mandate, but Gulf Coast and Lake Pontchartrain marinas commonly require liability cover as a slip condition. Hurricane deductibles — often percentage-based, not flat — are a Louisiana-specific risk most boaters underestimate.
Louisiana requires 15/30/25 motorcycle liability — some of the lowest bodily injury minimums in the US. With an 11–14% uninsured driver rate and hurricane exposure, UM coverage and comprehensive are more critical here than in most states.
Louisiana requires 15/30/25 minimum liability coverage. Learn state requirements, the No-Pay No-Play law, penalties for driving uninsured, and why minimums may not be enough.
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Every guide on this page covers a Louisiana requirement: what the law makes you carry, who it applies to, and what happens without it. The auto liability minimum above is read off the statute itself, and each Louisiana guide on this site is checked against that same figure. The regulators linked above are where Louisiana publishes the rules, so they are the place to confirm anything before you rely on it.
