Louisiana Teen Driver Insurance: Parent & New Driver Guide
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
State Requirements
Teen drivers in Louisiana enter a graduated licensing system at age 15 (learner's permit), progress to an intermediate license at 16, and reach full licensing privileges at 17 after completing the Graduated Driver License (GDL) program. Louisiana Revised Statute 22:1267 mandates that all insurers offer a good student discount to drivers under 25 who maintain at least a 3.0 GPA or equivalent, making this one of the few states where the discount is legally required rather than carrier-discretionary.
Bodily Injury Liability
Property Damage Liability
Uninsured/Underinsured Motorist Coverage
Collision Coverage
Comprehensive Coverage
Cost Overview
$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
Add Your Teen Without Doubling Your Bill
Compare Teen Driver 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
Frequently Asked Questions
What are Louisiana's graduated licensing requirements for teen drivers?
Louisiana's Graduated Driver License (GDL) program begins with a learner's permit at age 15, requiring 50 hours of supervised driving including 15 hours at night. At age 16, teens may obtain an intermediate license with restrictions: no more than one non-family passenger under 21, midnight–5am curfew, and no cell phone use. Full unrestricted licensing is available at age 17 after completing the GDL program, maintaining a clean driving record, and holding the intermediate license for at least 12 months.
Coverage Types
Add to Parent's Policy vs. Separate Policy
Adding a teen to a parent's existing policy is almost always cheaper than purchasing a standalone policy—often 30–50% less expensive. The parent's multi-car discount, tenure discount, and bundling discounts extend to the teen driver.
Liability Coverage Above State Minimums
Louisiana's 15/30/25 minimums are among the lowest in the nation. Most parents raising limits to 100/300/100 add $25–$60/month to the total premium, but this protects family assets if the teen causes a serious accident.
Collision Coverage Decision
Collision covers damage to the teen's vehicle regardless of fault. The decision hinges on vehicle value: if the teen drives a vehicle worth less than $4,000, annual collision premiums may approach the vehicle's replacement value.
Good Student Discount (Mandated)
Louisiana Revised Statute 22:1267 requires all insurers to offer a good student discount to drivers under 25 with a 3.0+ GPA or equivalent. This is not optional or carrier-discretionary—every insurer must offer it.
Telematics and Usage-Based Insurance
Telematics programs monitor teen driving behavior via smartphone app or plug-in device, tracking hard braking, rapid acceleration, speed, and nighttime driving. Safe driving scores earn discounts of 10–25%.
Uninsured Motorist Coverage
Covers your teen's injuries and vehicle damage when hit by a driver with no insurance or inadequate limits. Louisiana law requires insurers to offer this coverage; you must reject it in writing.