Teen Driver Insurance in Louisiana (2025)
Louisiana requires 15/30/25 liability coverage and is an at-fault state.
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Louisiana at a Glance
15/30/25
Minimum liability limits, in thousands of dollars (per person / per accident / property)
At-fault
The at-fault driver's insurance pays for the damage they cause
Optional
PIP and uninsured motorist coverage are not required by law
15
Minimum learner's permit age, 50 supervised driving hours
Source: state DMV, insurance department and statute records, verified July 2026
Minimum Coverage Requirements in Louisiana
For teen drivers, the state's graduated licensing system creates three stages: learner's permit (age 15), intermediate license (age 16 after 180 days with permit), and full license (age 17 after 180 days with intermediate license). Louisiana law mandates that all insurers offer a good student discount to drivers under 25 who maintain a B average or 3.0 GPA, making it one of the few states where this discount is guaranteed by statute rather than carrier-discretionary.
Bodily Injury Liability
Property Damage Liability
Uninsured Motorist Coverage
Collision Coverage
Comprehensive Coverage
What Drivers Pay in Louisiana
$332–$620/mo
Typical monthly rate in Louisiana, adding a driver aged 16–19 to a parent's policy
Rate data: Insurify and ValuePenguin, 2025
Cover Your New Driver for Less
Compare Teen Driver Insurance RatesRules for new drivers
Night driving
11pm-5am
Passengers
time-of-day based (no passengers under 21 during restricted hours unless a 21+ is present)
Source: IIHS and state DMV records, verified July 2026
Coverage Types
Liability Insurance (Higher Limits)
The 15/30/25 state minimum is inadequate for most teen driver scenarios. A single moderate injury claim can exhaust those limits within hours, leaving the parent or teen personally liable for the balance.
Uninsured Motorist Coverage
Pays for injuries and vehicle damage when a teen is hit by a driver with no insurance. Louisiana's uninsured driver rate is above the national average, making this coverage particularly valuable for new drivers.
Collision Coverage (Vehicle-Dependent)
Pays to repair or replace your teen's vehicle after an at-fault accident. Cost-effectiveness depends entirely on the vehicle's actual cash value and the annual premium.
Comprehensive Coverage
Covers non-collision losses: theft, vandalism, weather damage, and animal strikes. Louisiana's hurricane and flood exposure makes comprehensive particularly relevant in coastal and low-lying areas.
Good Student Discount
Louisiana law requires all insurers to offer a good student discount to drivers under 25 who maintain a B average or 3.0 GPA. This is not carrier-discretionary — it is mandated by statute.
Telematics / Usage-Based Insurance
Monitors driving behavior via smartphone app or plug-in device. Safe driving — smooth braking, moderate speeds, limited night driving — earns discounts of 15–30% after an initial 60–90 day monitoring period.