Effective January 1, 2010, the minimum Liability limits for Louisiana auto insurance will be 15/30/25 upon application or renewal of one’s automobile insurance policy.

Currently under Louisiana law, you must carry Liability coverage on any automobile you own. This coverage pays for property damages or personal injury for which you may be legally responsible, up to your policy’s dollar limits. Until 1/1/2010 in Louisiana, each vehicle is required to have 10/20/10 Liability limits. However in 2008 the state passed House Bill 1312 that raised the required auto insurance Liability limits to 15/30/25. So minimum car insurance coverage requirements will increase to 15/30/25 as of January 1, 2010.

These limits provide payments of $15,000 for Bodily Injury to one person, $30,000 for Bodily Injury to more than one person in a single accident, and $25,000 coverage for damage to someone else’s vehicle or other property (Property Damage Liability).

Supporters that got the bill passed into law said the change would bring Louisiana's 20 year old insurance coverage requirement in line with the increased costs involved in accidents, accounting for inflation, the higher prices of new cars and the increased costs of medical care. Initially the bill proposed a larger increase (25/50/25) that was approved by the House, but senators scaled back the proposal and delayed its start date by a year.

The new Liability limits will go into effect for new policies written on or after January 1, 2010. Click here to get low cost auto insurance quotes for Louisiana.