Most states have laws that require drivers to have a minimum threshold of liability insurance. Liability insurance covers a driver for damages or injures the he or she causes in a car accident. Per Louisiana Revised Statute § 32:900, the minimum liability coverage limits are $15,000 per person, $30,000 of bodily injury coverage per accident, and $25,000 of property damage coverage. Louisiana liability limits are significantly lower than all neighboring states. Listed below is a list of the neighboring states. Take a look and see how Louisiana Minimum liability insurance compares to our next door neighbors.

Texas Minimum liability insurance
The current minimum liability limits are $30, 000 for each injured person, up to a total of $60,000 per accident, and $25,000 for property damage per accident. The basic coverage is called 30/60/25.
Source: Texas Department of Insurance
Direct link: Here

Mississippi Minimum liability insurance
The current minimum liability limits are $25,000 per person (limited to a single accident), $50,000 per accident for bodily injury, and $25, 000 per accident for property damage. The basic coverage is call 25/50/25.
Source: Mississippi Insurance Department
Direct link: Here

Alabama Minimum liability insurance
The current minimum liability limits are $25,00 for bodily injury or death per person, $50,000 total for bodily injury or death per accident, and $25,000 for property damage.
Source: Alabama Department of Motor vehicles
Direct link: Here

Arkansas Minimum liability insurance
The current minimum liability limits are $25,000 for bodily injury per person, $50,000 for total bodily injury per accident, if multiple people were injured in said accident, $25,000 for property damage per accident.
Source: Arkansas Department of Motor vehicles
Direct link: Here

Remember, these are the minimum amounts of coverage that are required by law. In the case of a serious accident, the Louisiana minimum requirement is rarely sufficient to protect the financial interest and assets of a driver. Luckily, smart drivers can and should obtain more than the baseline requirement.