Louisiana Teen Driver Insurance for Parents and Teens
Louisiana requires 15/30/25 liability coverage and is an at-fault state.
Compare Teen Driver Insurance RatesLouisiana 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
Teen drivers in Louisiana progress through a graduated licensing system: a learner's permit at age 15, an intermediate license at 16 (with passenger and nighttime restrictions), and a full license at 17 after holding the intermediate license for one year. Louisiana is one of the few states that mandates insurers offer good student discounts to drivers under 25 who maintain a B average or better, making discount eligibility a legal requirement rather than a carrier-specific benefit.
Liability Insurance
Uninsured Motorist Coverage
Collision Coverage
Comprehensive Coverage
Full 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
Find the Right Policy for Your Teen
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 for Teen Drivers
Liability coverage pays for injuries and property damage your teen causes to others in an at-fault accident. Louisiana's 15/30/25 minimum is legally sufficient but financially inadequate for most teen driver accidents.
Full Coverage for Financed Teen Vehicles
Full coverage combines liability, collision, and comprehensive, and is required by lenders if you finance a vehicle for your teen. It is the most expensive option but provides the broadest protection for both the teen and the vehicle.
Uninsured Motorist Coverage for Teens
Uninsured motorist (UM) coverage protects your teen if hit by a driver without insurance. Louisiana does not require UM, but insurers must offer it, and you must decline it in writing.
Collision Coverage for Teen Drivers
Collision pays for damage to your teen's vehicle in an at-fault accident, regardless of fault. It is required by lenders and optional for paid-off vehicles.
Good Student Discount
Louisiana law requires insurers to offer a good student discount to drivers under 25 who maintain a B average or better. This is a mandated discount, not a carrier-specific benefit.
Telematics Programs for Teen Drivers
Telematics programs use a mobile app or plug-in device to monitor your teen's driving behavior — speed, braking, cornering, and nighttime driving — and adjust premiums based on performance.