Driving without insurance in Louisiana

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Driving without insurance in Louisiana is a gamble you do not want to take. If you are stopped by the police and do not have proof of insurance, you will face fines and the suspension of your license. If you are in an accident while driving without insurance, even if it is not your fault, you could face serious financial difficulties.

Minimum insurance required in Louisiana

Louisiana car insurance laws require a minimum of 15/30/25 liability coverage. This coverage means you have the following protection while you are behind the wheel:

  • $15,000 of bodily injury coverage for costs incurred by a single person in the other car in an accident when you are at fault.
  • $30,000 of total bodily injury coverage for the costs incurred by multiple people in the other car in an accident when you are at fault.
  • $25,000 of property damage coverage to pay for damage to the other driver’s car or objects such as light posts or mailboxes when you are at fault.

Penalties for driving without insurance in Louisiana

If you do not have a policy with coverage for at least the minimum required in Louisiana, you face several consequences.

Fines

First, you will be required to pay a fine of anywhere between $500-$1,000. You may also face a fine if you have insurance but are not carrying proof of it with you when driving.

Driving privileges revoked

In addition to the fine, you may have your driving privileges revoked. Your vehicle may be impounded and license plates canceled. If you are in an accident without insurance, your license will be suspended and registration revoked for 180 days. You may even lose your driving privileges for 12-18 months if you claim falsely that you have insurance. You will also have to pay fees to have your license reinstated, and, if necessary, storage fees for your impounded vehicle.

No pay, no play law

If you are in an accident that is not your fault, you may also be in financial trouble, due to a law known as the “No Pay, No Play” law. This law states that uninsured drivers cannot collect the first $25,000 of property damages and $15,000 of personal injury damages regardless of who caused the accident. Those costs would have to come from your pocket, even if you were the victim of another driver’s poor choices.

Fees from Louisiana’s online insurance verification system

Louisiana instituted an online insurance verification system in 2016 to handle the problem of uninsured drivers, who make up 11.7% of the state’s drivers. This system allows police officers to check on a driver’s policy status from their vehicle while at a traffic stop.

Reason for fee Fee amount
Failure to provide proof of insurance within three days $500-$1,000
Lapsed insurance for 11-30 days $125
Lapsed insurance for 31-90 days $275
Lapsed insurance for more than 90 days $850
Reinstatement fees $60-$560
Storage and/or wrecking fees for an impounded vehicle varies

Getting into an accident without insurance

A Louisiana driving without insurance accident can leave you in a bad situation. If you are at fault in the accident, you will be legally required to pay all the costs incurred by the other driver, whether this includes medical expenses, a totaled car or damage to a stationary object. This is in addition to any of your own expenses from the accident.

If you are not at fault, however, Louisiana’s “No Pay, No Play” law means that you will have financial consequences. Because of this law, you cannot apply the other driver’s auto insurance for the first $15,000 of personal injuries costs and the first $25,000 of property damage costs. You will need to pay these costs out of pocket before the other driver’s insurance pays any costs.

Even if you do not have a lot of money to spare, you can potentially save a great deal by purchasing a minimum coverage policy in Louisiana to avoid paying the fines that come from not having it. Even worse, if you have an accident, you will be covered up to the limits of your policy and thus may avoid financial hardships that could come your way without the coverage.

If you are involved in a serious accident, with injuries requiring surgery, lengthy hospital stays and extensive rehabilitation, you could find yourself in a serious situation that might result in bankruptcy or other financial hardship. Although Louisiana car insurance is not inexpensive, it is far preferable to the financial alternatives you will face if you do not have it.

Frequently asked questions

What if you provide false insurance information?

Providing false insurance information is never a good idea. You will be fined and may have to pay significant fees and find your vehicle impounded. If you drive without insurance, you may think you are saving money in the short term, but in the long term, it could cost you hundreds of dollars as well as the use of your car and license.

How much is car insurance in Louisiana?

Louisiana car insurance is on the high side. The average cost of insurance in the state is $975 for minimum coverage and $2,724 for full coverage, which includes collision and comprehensive. You may be able to pay less, however, by utilizing discounts and shopping around for the best prices.

Where can I find the best car insurance in Louisiana?

The best car insurance company for you may not be the same as the one that’s best for your neighbor. There are multiple factors that go into your premium and your policy, ranging from your age and credit rating to the type and age of the car you drive. Your best bet is to gather multiple quotes and see which one is best for you.

What is the penalty for driving without insurance in Louisiana?

There are multiple penalties, and they start with a fee of $500-$1,000 if you fail to provide proof of your insurance when stopped or within three days after. You may receive a ticket for no insurance, and you may also have your car impounded and your license revoked.

Written by
Mary Van Keuren
Insurance Contributor
Mary Van Keuren has written for insurance domains such as Bankrate.com, Coverage.com and Thesimpledollar.com for the past five years, specializing in home and auto insurance. She has also written extensively for consumer websites including reviews.com and myslumberyard.com. Prior to that, she worked as a writer in academia for several decades.
Edited by
Insurance Editor