Car insurance in Louisiana (15/30/25)
- Minimum car insuranceLouisiana requires at least $15,000 bodily injury per person, $30,000 per accident and $25,000 property damage. Uninsured/underinsured motorist coverage equal to the bodily injury limits is included unless the insured rejects it, picks lower limits, or chooses economic-only UM on the state form. PIP is not required. Source
- Fault systemLouisiana is an at-fault (tort) state, but under its 'no pay, no play' law an owner or driver without required insurance cannot recover the first $100,000 of bodily injury or the first $100,000 of property damage from the at-fault driver, with limited exceptions. Source
Business insurance rules in Louisiana
- Workers’ compensationEvery Louisiana employer must secure workers' compensation for its employees through an authorized insurer or approved self-insurance, with no minimum employee count. Louisiana is not monopolistic and does not allow opting out. Source
- Contractor licensingThe Louisiana State Licensing Board for Contractors licenses commercial work of $50,000 or more, residential construction over $50,000, home improvement work of $7,500 or more, and mold remediation. Residential and home improvement licensees must carry at least $100,000 of general liability insurance and prove workers' compensation coverage. Source
Home insurance in Louisiana
- Home insurer of last resortLouisiana Citizens is the state's insurer of last resort and runs both the Coastal Plan and the FAIR Plan. Hurricanes are the main exposure, and homeowners policies commonly carry a separate named-storm or hurricane deductible (often a percentage of the insured value), which by law applies once per calendar year. Source
High-value homes in Louisiana.
Disasters, floods, hail, tornadoes and earthquakes in Louisiana
| Measure | Louisiana | Rank among the states | Detail |
|---|---|---|---|
| Federal major disaster declarations since 2000 | 36 | #20 of 51 | Most often for hurricane (15), severe storm (7), flood (6). Lafourche Parish has been in 23 of them. |
| National Flood Insurance Program claims, 2005–2025 | 303,142 | #1 of 51 | $19.3 billion paid; 26% of claims with a known flood zone were outside FEMA’s high-risk zones. |
| Hail reports, 2016–2025 | 1,147 | #26 of 51 | 83 of them 2 inches or larger. Largest stone 4 inches, Bossier County, April 2020. |
| Tornadoes, 2016–2025 | 627 | #7 of 51 | 83 rated EF2 or stronger; 2,503 recorded since 1950. |
| Earthquakes of magnitude 4.0+, 2000–2025 | 3 | #20 of 51 | Largest: magnitude 5.3, 157 km S of Grand Isle, Louisiana, February 10, 2006. |
From the public FEMA, NOAA, Storm Prediction Center, USGS and FMCSA records behind each linked report; ranks count all 50 states and Washington, DC unless noted.
Look up the storm history of any county in Louisiana.
Worth knowing in Louisiana
Louisiana’s “no pay, no play” rule is unusually strong: since August 1, 2025, an uninsured driver gives up recovery of the first $100,000 of bodily injury and the first $100,000 of property damage, even when the other driver was at fault.
Louisiana’s insurance regulator
Insurance in Louisiana is regulated by the Louisiana Department of Insurance, which handles consumer complaints and licenses insurers and agents.
Sam Alishahi holds a nonresident insurance producer license in Louisiana (NPN 21022298), so requests from Louisiana are handled by him directly.
Common questions
What is the minimum car insurance in Louisiana?
Louisiana requires at least $15,000 bodily injury per person, $30,000 per accident and $25,000 property damage. Uninsured/underinsured motorist coverage equal to the bodily injury limits is included unless the insured rejects it, picks lower limits, or chooses economic-only UM on the state form. PIP is not required.
Is Louisiana a no-fault state?
Louisiana is an at-fault (tort) state, but under its 'no pay, no play' law an owner or driver without required insurance cannot recover the first $100,000 of bodily injury or the first $100,000 of property damage from the at-fault driver, with limited exceptions.
Do employers in Louisiana need workers’ comp?
Every Louisiana employer must secure workers' compensation for its employees through an authorized insurer or approved self-insurance, with no minimum employee count. Louisiana is not monopolistic and does not allow opting out.
What can a Louisiana homeowner do if no insurer will write the house?
Louisiana Citizens is the state's insurer of last resort and runs both the Coastal Plan and the FAIR Plan. Hurricanes are the main exposure, and homeowners policies commonly carry a separate named-storm or hurricane deductible (often a percentage of the insured value), which by law applies once per calendar year.
Sources
- Louisiana: Minimum car insurance
- Louisiana: Fault system
- Louisiana: Workers’ compensation
- Louisiana: Home insurer of last resort
- Louisiana: Contractor licensing
- Louisiana: insurance regulator
General information as of October 2026, not legal advice; confirm current rules with the agency.