Insurance in Louisiana: State Rules and Requirements

Insurance in Louisiana

The rules that shape car, home and business insurance in Louisiana, each linked to its official source, and how to get coverage shopped here. Sam Alishahi holds a Louisiana nonresident insurance producer license (NPN 21022298) and places Louisiana policies directly.

By Sam Alishahi · Reviewed October 2026

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

Louisiana disasters, floods, hail, tornadoes and earthquakes, from federal records
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.

The property risks that matter in Louisiana

Louisiana's Fortify Homes program provides grants toward FORTIFIED roofs, and state law requires insurers to offer discounts for them.

Hurricane exposure shapes nearly every Louisiana homeowners policy near the coast. Look for a separate hurricane or named-storm deductible, often a percentage of the dwelling limit rather than a flat dollar amount, and confirm whether wind is excluded and must be insured elsewhere.

Flooding is the most common U.S. natural disaster, and it is excluded from regular home policies. Louisiana residents outside high-risk zones can often buy NFIP or private flood coverage at lower cost; remember the typical 30-day waiting period.

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.

Before your next Louisiana renewal

Compare your auto liability limits with the Louisiana minimum of 15/30/25 and with your actual assets.
Find your hurricane or named-storm deductible in dollars and set aside that amount.
Check your address on FEMA's Flood Map Service Center and price an NFIP or private flood policy before storm season (NFIP usually has a 30-day wait).
Keep a current home inventory stored off-site.

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 Louisiana nonresident insurance producer license (NPN 21022298) and places Louisiana policies 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.

Does Louisiana homeowners insurance cover hurricanes?

Wind damage from hurricanes is generally covered, often subject to a separate hurricane deductible. Storm-surge flooding requires flood insurance.

Do I need flood insurance in Louisiana?

If you're in a high-risk flood zone with a federally backed mortgage, your lender will require it. Elsewhere it's optional but worth pricing, because homeowners policies exclude flood.

More answers: Louisiana homeowners insurance guide Louisiana renters insurance and security deposit guide Louisiana flood risk and NFIP guide Louisiana life insurance consumer guide New Orleans home and auto insurance guide Baton Rouge home and auto insurance guide

Sources

General information as of October 2026, not legal advice; confirm current rules with the agency.

Tell me what you need insured.

Home, car, business, trucks or something harder to place. One request, and I take it from there.

Alishahi Insurance · Saman Alishahi, independent insurance broker, 439 N Canon Dr, Penthouse, Beverly Hills, CA 90210. General information, not a quote or a promise of coverage.

Insurance in Louisiana