Minimum Coverage Requirements in Louisiana
Louisiana requires all drivers to carry minimum liability coverage of 15/30/25 — $15,000 per person for bodily injury, $30,000 per incident, and $25,000 for property damage. 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.
How Much Does Car Insurance Cost in Louisiana?
Teen driver insurance costs in Louisiana are driven primarily by age, driving experience, and the vehicle insured. A 16-year-old with a learner's permit or newly issued intermediate license poses the highest risk and highest cost, with premiums decreasing as the teen gains experience, reaches full licensure at 17, and moves into the 18–19 and 20–25 age brackets. Louisiana's mandated good student discount, available telematics programs, and the choice of vehicle can reduce costs significantly — a teen driving a used sedan vs. a newer SUV can see a 20–30% difference in premiums.
What Affects Your Rate
- Good student discount: Louisiana law requires insurers to offer this discount to drivers under 25 with a B average or higher, typically reducing premiums by 10–25%.
- Telematics programs: Available from most major carriers in Louisiana, telematics tracks driving behavior (speed, braking, nighttime driving) and can reduce premiums by 10–30% for safe teen drivers.
- Vehicle type: A teen driving a 2015 Honda Civic vs. a 2020 Chevrolet Tahoe can see a 25–35% difference in collision and comprehensive premiums due to repair costs and safety ratings.
- Add to parent's policy vs. separate policy: Adding a teen to a parent's policy in Louisiana is almost always cheaper than a standalone teen policy — often by 40–60% — due to multi-car and multi-policy discounts the parent already receives.
- Driver training discount: Completing a state-approved driver education course can reduce premiums by 5–15% with most Louisiana insurers, and is required for teens under 17 to obtain an intermediate license.
- Deductible choice: Choosing a $1,000 deductible instead of $500 on collision and comprehensive can reduce premiums by 15–20%, a common strategy for parents managing the cost of adding a teen driver.
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Get Your Free QuoteCoverage 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.
