Liability Insurance — Louisiana
Liability insurance pays for damage and injuries you cause to others in an accident — it does not cover your own vehicle or medical bills.
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What Is Liability Insurance Insurance?
Liability insurance has two parts: bodily injury liability, which covers medical bills and lost wages for people you injure, and property damage liability, which pays to repair or replace vehicles and property you damage. If you're at fault in an accident and the costs exceed your limits, you pay the difference out of pocket — and that can trigger wage garnishment or asset seizure.
Who Needs Liability Insurance Insurance?
You need liability insurance if you're reinstating your license in Louisiana after any suspension — DUI, points accumulation, unpaid tickets, or lapsed insurance. The state will not lift your suspension without proof of continuous coverage, and if you're ordered to file SR-22, your insurer reports that proof electronically to the Louisiana Office of Motor Vehicles. Even if you don't own a vehicle, you need a non-owner liability policy to satisfy reinstatement requirements and avoid a gap that extends your suspension.
Start with the state minimum if cost is tight, but consider 50/100/50 limits if you have any assets — a house, retirement account, or steady income — that could be seized in a lawsuit.
How Much Does Liability Insurance Insurance Cost?
- DUI or multiple violations on your record can double your liability premium compared to a clean-record driver.
- Non-owner policies cost less because there's no vehicle to insure — you're only covering liability when you drive someone else's car.
