Last updated: August 2023

Lafayette, LA Auto Insurance

Built up on the banks of the Vermilion River, Lafayette is a city alive with music, dancing, dining options and rich history. There’s so much to see and so much to do, but before you start exploring the city and surrounding areas, make sure you and your ride are protected with affordable auto insurance coverage.

Since 1991, we’ve helped people find the right insurance to match their needs, no matter what their credit or insurance histories look like. If you’re searching for great cheap car insurance in Lafayette, LA, call Direct Auto.

Lafayette, LA Minimum Car Insurance Requirements

Louisiana auto insurance policies auto insurance policies must at least meet the Pelican State’s minimum liability coverage limits, typically expressed as three numbers (representing thousands of dollars) separated by slashes. For example, the liability limits in Louisiana are 15/30/25, and they help pay for bodily injury and property damage claims after an accident that is primarily your fault. If you’re still confused what your insurance policy must include, please refer to the chart below.

Coverages

Is It Required by Law?

Bodily Injury Liability Coverage provides financial protection if you cause an accident that injures another person. It helps pay for their medical expenses and your legal services (if necessary).

Yes. $15,000 bodily injury per person/$30,000 bodily injury per accident.

Property Damage Liability Coverage helps pay to repair or replace other people’s property that is damaged in an accident you cause. It typically involves damage to another vehicle, but it could help pay to repair a house, fence, mailbox, and more.

Yes. $25,000 property damage per accident.

Uninsured/Underinsured Motorist Coverage (UM/UIM) helps pay for your medical bills and related expenses if the other driver has no coverage (UM), insufficient coverage (UIM), or can’t be identified due to hit and run. In some states, UM/UIM can also help pay for property damage.

Not required.

Collision Coverage helps pay to repair or replace your vehicle if you collide with another car, tree, guardrail, or another object, regardless of fault.

Not required.1

Comprehensive Coverage helps pay to repair or replace your vehicle if it’s damaged by something other than a collision, like fire, floodwaters, falling branches, vandalism, or contact with an animal.

Not required.1

1Your lender may require these coverages if you lease or finance your vehicle.

Lafayette, LA Proof of Financial Responsibility & Penalties

If you're caught driving without insurance in Louisiana, you could be subject to serious consequences. The Department of Insurance's consumer guide states that you can be fined “$500 to $1,000 for knowingly operating a vehicle without insurance, being involved in an accident without insurance, and committing fraud by falsely claiming to have insurance.”

Vehicle owners without insurance may also see their car impounded, the revocation of their registration, or suspension of license plates. If you are in a traffic collision while you're failing to meet insurance requirements, your license and registration could be suspended for 180 days.

Louisiana is also a “No Pay, No Play” state. This means an uninsured driver is not allowed to collect certain damages from an insured driver's insurance company, no matter who caused the crash. In other words, driving without insurance can come back to haunt you, even if you’re driving carefully.

SR-22 Insurance in Lafayette, LA  

In many states, high-risk drivers are also required to keep an SR22 (also known as a certificate of financial responsibility) on file with the state verifying they have purchased auto insurance coverage that satisfies the state’s minimum coverage requirements. Drivers might be required to fulfill SR-22 requirements if: 

  • They have been caught not maintaining proper liability coverage. 
  • They were convicted of a DUI/DWI. 
  • They have committed other serious driving violations. 

If you need an SR22 filed to demonstrate financial responsibility compliance in Louisiana or have questions about the penalties for non-compliance, we’d be happy to help. Direct Auto specializes in helping drivers find affordable car insurance coverage, regardless of their driving or insurance history. Give us a call today for a free quote. 

Louisiana Regional Auto Insurance

Depending on where you live, you might have specific wishes or “must-haves” regarding your car insurance policy. After all, a policyholder who lives and drives in busy Baton Rouge traffic might want more coverage than someone who lives in a small town where traffic jams don’t exist. But no matter what city you call home in the Pelican State, we’re here to help you get covered.

Baton Rouge, LA, Auto Insurance

Metairie, LA, Auto Insurance

New Orleans, LA, Auto Insurance

Shreveport, LA, Auto Insurance

Other Louisiana Auto Insurance Resources

Get Covered with Direct Auto Insurance!

Have a question for us at Direct Auto? Need to start a policy? Just want to talk? Call us at 1-877-GO-DIRECT or visit our nearest Direct Auto location. For common questions, you can also consult our FAQs page.

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