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What Are The Legal Auto Insurance Minimums For LouisianaMost of the companies we have researched, including the larger ones, such as Geico, Allstate and others, recommend having at least $250,000 for property damage costs and a minimum of $100,000 for bodily injury protection per person. This is because the amount of money needed to pay for an accident is usually more than what the states declare as the minimum legal amount of insurance coverage that is needed to legally drive your vehicle. Here is some information from the American Insurance Association, the Property Casualty Insurers Association, and the Insurance Information Institute. It shows the auto liability insurance state minimums as required by each state. In order to understand the numbers you must know what they mean. The first two numbers are for bodily injury liability and the third number represents the minimum amount of property damage liability. As an example the State of Alabama shows the following - Alabama 20/40/10. This means Alabama requires as a minimum coverage up to $40,000 for all persons injured in an accident, subject to a limit of $20,000 for one individual, and $10,000 coverage for property damage. (subject to change - please ask your insurance agent for the exact amount of coverage you need for your area) Alabama 20/40/10 Alaska 50/100/25 Arizona 15/30/10 Arkansas 25/50/25 California 15/30/5 Colorado 25/50/15 Connecticut 20/40/10 Delaware 15/30/5 D.C. 25/50/10 Florida 10/20/10 Georgia 25/50/25 Hawaii 20/40/10 Idaho 25/50/15 Illinois 20/40/15 Indiana 25/50/10 Iowa 20/40/15 Kansas 25/50/10 Kentucky 25/50/10 Louisiana 10/20/10 Maine 50/100/25 Maryland 20/40/15 Massachusetts 20/40/5 Michigan 20/40/10 Minnesota 30/60/10 Mississippi 10/20/05 Missouri 25/50/10 Montana 25/50/10 Nebraska 25/50/25 Nevada 15/30/10 New Hampshire 25/50/25 New Jersey 15/30/5 New Mexico 25/50/10 New York 25/50/10 North Carolina 30/60/25 North Dakota 25/50/25 Ohio 12.5/25/7.5 Oklahoma 10/20/10 Oregon 25/50/10 Pennsylvania 15/30/5 Rhode Island 25/50/25 South Carolina 15/30/10 South Dakota 25/50/25 Tennessee 25/50/10 Texas 20/40/15 Utah 25/50/15 Vermont 25/50/10 Virginia 25/50/20 Washington 25/50/10 West Virginia 20/40/10 Wisconsin 25/50/10 Wyoming 25/50/20 Remember these figures only represent auto insurance liability state minimums. Many experts agree that more insurance is needed in order to fully protect yourself in the event you’re involved in an automobile accident.
General Insurance
Information
Types of
Insurance Available In Louisiana Health Insurance in
Louisiana Louisiana
Dental Insurance Auto
Insurance In Louisiana Louisiana
Pet Insurance Louisiana
Travel Insurance Louisiana
Life Insurance Many insurers
in Louisiana are
providing their services. Some of the
well-known insurance companies are state
farm insurance, allstate insurance, farmers
insurance as well as progressive insurance
and many others.
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