The Real Cost of Driving Without Insurance in Louisiana

Driving without auto insurance in Louisiana is risky and illegal. Yet thousands of drivers take that gamble every day, often unaware of the serious consequences that can follow. If you’re thinking of skipping coverage or letting it lapse, here’s what you need to know.

Is Auto Insurance Required in Louisiana?

Like most states, Louisiana requires drivers to maintain minimum amounts of auto liability insurance. This may pay for bodily injuries or property damage you cause others in an accident. Without this coverage, you’re considered noncompliant and subject to penalties.

What Could Happen If I Drive Without Auto Insurance?

Driving uninsured leaves you financially vulnerable. The state may impose the following penalties if you drive without insurance:

• Fines and fees that may increase with repeated violations

• License and registration suspension

• SR-22 requirement

• Vehicle impoundment

Skipping insurance might seem like a way to save money in the short term, but in Louisiana, the long-term cost can be far greater.

What Types of Coverage Should You Consider?

While state law typically requires liability insurance, you may also want to explore additional options such as uninsured/underinsured motorist coverage, collision and comprehensive protection. These coverages could help reduce out-of-pocket costs after accidents, theft or weather-related damage. Since every driver’s needs are different, reviewing your policy with a licensed agent can help you make more informed decisions.

Auto Insurance Agency Near You

Liberty Professional Insurance Services LLC can help you get appropriate auto insurance. Contact us today for a quote.

This blog is intended for informational and educational use only. It is not exhaustive and should not be construed as legal advice. Please contact your insurance professional for further information.