About $256 a month
Commercial auto
Insureon average for Louisiana small-business customers, updated March 2026
Louisiana · state requirements
Commercial auto insurance in Louisiana
For Louisiana businesses running pickups, vans and work trucks: the state minimums, the recent law changes that shape claims, what coverage costs and what to have ready.
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Get commercial auto quotes in Louisiana
What similar businesses pay
- Commercial auto
- About $256 a month
- Commercial auto, yearly
- About $3,075 a year
- Fine for an uninsured vehicle
- $500–$1,000
Published benchmarks, not quotes. Your price depends on underwriting.
Cost
What commercial auto insurance in Louisiana costs
About $3,075 a year
Commercial auto, yearly
Insureon average for Louisiana small-business customers, updated March 2026
$500–$1,000
Fine for an uninsured vehicle
La. R.S. 32:865(A), owner or driver of a vehicle without required security, current text, 2026
Insureon reports that Louisiana customers who bought commercial auto through it paid an average of about $256 a month, or $3,075 a year, as of March 2026. Most have fewer than five employees, so the figure mostly reflects small operations with pickups, vans and cars rather than heavy-truck fleets. The Louisiana Department of Insurance says premiums move with your liability, medical and uninsured motorist limits, your deductibles and where you operate, with urban areas usually costing more. Because uninsured motorist cover defaults to your liability limits, raising liability limits usually raises that part of the premium too.
What moves your price
- Number, type and value of vehicles
- Where vehicles are garaged, such as New Orleans or Baton Rouge
- Liability limits and the uninsured motorist limits you select on the state form
- Comprehensive and collision deductibles
- Each driver’s record and your claims history
- How the vehicles are used: deliveries, hauling, towing trailers or carrying passengers
Louisiana
What’s different in Louisiana
15/30/25 is the floor, and it runs out fast
Every self-propelled vehicle registered in Louisiana needs liability of at least $15,000 per person, $30,000 per accident and $25,000 for property damage, under R.S. 32:861. Illustration: if your van injures two people with $40,000 in medical bills each, a minimum policy pays $30,000 in total and the other $50,000 becomes a claim against your business.
Uninsured motorist cover matches your liability limits by default
R.S. 22:1295 requires uninsured motorist cover at your bodily injury liability limits unless a named insured rejects it, lowers it or picks cheaper economic-only cover on the commissioner’s form. A signed form carries through renewals, so check what was signed before assuming your drivers are protected.
No pay, no play now bars the first $100,000
Since August 1, 2025, R.S. 32:866 bars the owner or driver of an uninsured vehicle from recovering the first $100,000 of bodily injury and the first $100,000 of property damage, even when the other driver caused the crash. A lapsed work truck could absorb its own repair bill, and an uninsured owner who sues and wins $100,000 or less pays all court costs.
At 51% fault, a claim is worth nothing
Act 15 of 2025 amended Civil Code article 2323: since January 1, 2026, a party 51% or more at fault recovers nothing, and a party less at fault recovers in proportion. Dashcam footage and witness details can now decide whether a claim pays at all, for your losses and for claims against you.
No card in the cab means a tow and a pulled plate
Under R.S. 32:863.1, owners may not let a vehicle on the road without proof of insurance inside, such as an ID card, a copy or a phone image. If a driver cannot show it, the vehicle is impounded and the plate removed. The owner has three business days to prove coverage; reinstatement fees run $100, $250 and $500 for repeat offenses.
Owners answer for letting an uninsured vehicle run
R.S. 32:865 fines an owner who allows an uninsured vehicle to be driven $500 to $1,000. A crash adds a 180-day loss of registration and driving privileges. An owner notified of the lapse at least 30 days earlier faces $1,000 to $10,000, a 12-month revocation and community service if someone is hurt or property damage tops $500.
Coverage
Coverage Louisiana businesses need
Liability above the state minimum
Pays for injuries and property damage your vehicles cause to others. Contracts commonly ask for far more than 15/30/25, and anything above your limit falls on your business.
How commercial auto works →Uninsured and underinsured motorist
Pays for injuries to your drivers and passengers when the at-fault driver has little or no insurance. Louisiana adds it at your liability limits unless you sign the state form to reject it, lower it or choose economic-only cover, which excludes pain and suffering.
How commercial auto works →Uninsured motorist property damage
Repairs your vehicle after a crash with an uninsured driver. The Louisiana Department of Insurance describes a $250 deductible and recovery capped at $25,000 or the vehicle’s actual cash value unless you buy a higher limit.
How commercial auto works →Medical payments
Pays medical and funeral expenses for people in your vehicle regardless of fault, up to your chosen limit.
How commercial auto works →Comprehensive and collision
The LDI says flood damage is likely covered only if the vehicle carries comprehensive; liability or collision alone usually will not pay. A lender may require both until a financed vehicle is paid off.
How commercial auto works →Trailer physical damage
The LDI notes most auto policies extend only liability to a hitched trailer. Damage to the trailer itself needs its own physical damage coverage.
Hired and non-owned auto
Covers your business when employees drive personal or rented vehicles for work errands or deliveries, which Insureon notes a personal auto policy generally will not cover.
How commercial auto works →Umbrella or excess
Adds limits above your auto liability when a contract asks for more than your primary policy carries.
How umbrella / excess works →Rules
Louisiana requirements
Louisiana’s auto insurance rules apply to business vehicles the same way they apply to personal ones. Trucks hauling for hire or across state lines may need further federal or state filings, so confirm with the agency that licenses your operation.
| Requirement | Applies to | What it means |
|---|---|---|
| Minimum liability | Every self-propelled vehicle registered in Louisiana, with narrow exceptions | $15,000 per person, $30,000 per accident and $25,000 property damage; the registered owner must maintain it (R.S. 32:861). |
| Uninsured motorist selection | Every auto liability policy issued in Louisiana | Included at bodily injury limits unless a named insured rejects, lowers or selects economic-only cover on the commissioner’s form (R.S. 22:1295). |
| Proof of insurance in the vehicle | Owners and lessees of Louisiana-registered vehicles | ID card, copy, phone image, policy or binder; without it, impound, plate removal and $100–$500 in fees (R.S. 32:863.1). |
| No pay, no play | Owners and drivers of uninsured vehicles | No recovery of the first $100,000 of bodily injury or property damage; legally parked vehicles and most passengers excepted (R.S. 32:866, Act 16 of 2025). |
| Criminal penalty | Drivers and owners who allow an uninsured vehicle to be operated | $500–$1,000 fine; a crash adds 180-day registration revocation and license suspension (R.S. 32:865). |
| Taking a vehicle off the road | Owners cancelling coverage on a registered vehicle | Surrender the plate within 10 calendar days of cancellation, or notify the state in writing beforehand with an agent’s affidavit (R.S. 32:861(A)(3)). |
| Out-of-state policy | Louisiana-registered vehicles insured on a policy issued in another state | Deemed valid proof of financial responsibility (R.S. 32:900.2, Act 696 of 2024). |
| Modified comparative fault | Injury and damage claims from January 1, 2026 | A party 51% or more at fault recovers nothing (Civil Code art. 2323, Act 15 of 2025). |
Compare commercial auto options in Louisiana.
One application, quotes from several insurers, reviewed by a licensed agent. Start with your email and finish later if you need to.
Pay less
How to lower the cost
- Keep coverage continuous and add new vehicles the day you buy them: R.S. 32:866 says a policy issued after a crash does not restore your right to recover.
- Surrender plates on vehicles you park for a season rather than letting their coverage lapse while they stay registered.
- Price each uninsured motorist option on the state form, including lower limits and economic-only cover, before you sign.
- Raise comprehensive and collision deductibles on older vehicles you could afford to repair; the LDI lists deductibles among the main price drivers.
- Fit dashcams: under the 51% rule, clear fault evidence can decide whether a claim pays.
- Compare your renewal with last year’s premium, which Act 11 of 2025 requires insurers to show prominently, and get several quotes; Florin is an independent broker that compares options from several insurers.
Before you start
What underwriters ask for
- Vehicle list with VINs, model years, values, garaging addresses and any lienholder
- Driver list with license numbers, dates of birth and years of experience
- Current declarations page and your signed uninsured motorist selection form
- Loss runs from your current and prior insurers
- How each vehicle is used: deliveries, hauling, trailers, passengers and typical radius
- Limits your customers or contracts require on certificates
- USDOT number, if you have one
Common questions
Commercial auto insurance in Louisiana: questions
What are the minimum commercial auto limits in Louisiana?
The same as for personal vehicles: $15,000 per person, $30,000 per accident and $25,000 for property damage under R.S. 32:861. Contracts often require much higher limits.
Can I reject uninsured motorist coverage on a Louisiana business policy?
Yes. A named insured can reject it, lower it or choose economic-only cover, but only on the commissioner’s form under R.S. 22:1295. The choice carries over to renewals until you submit a new form.
Did Louisiana’s no pay, no play law change?
Yes. Act 16 of 2025 raised the bar from $15,000 of bodily injury and $25,000 of property damage to $100,000 each, effective August 1, 2025. Some consumer guides still quote the older figures.
What happens if my driver cannot show proof of insurance?
Under R.S. 32:863.1 the vehicle is impounded and the plate removed. You have three business days to show it was insured; otherwise reinstatement fees of $100 to $500 apply.
Does commercial auto insurance cover flood damage to my work truck?
Only if the truck carries comprehensive coverage. The Louisiana Department of Insurance says liability or liability and collision alone will very likely not pay for flood damage.
Get covered.
Tell us about your business once. We compare options and a licensed agent follows up, usually the same day.
Sources (9)
- Insureon: commercial auto insurance in Louisiana (updated March 2026)
- Louisiana Department of Insurance: Consumer’s Guide to Auto Insurance (rev. March 2026)
- Louisiana Legislature: R.S. 32:861, security required
- Louisiana Legislature: R.S. 32:863.1, evidence of liability security in vehicle
- Louisiana Legislature: R.S. 32:865, criminal sanctions
- Louisiana Legislature: R.S. 32:866, limitation of damages (no pay, no play)
- Louisiana Legislature: R.S. 32:900.2, policy issued in another state
- Justia: La. R.S. 22:1295, uninsured motorist coverage (2025)
- Louisiana Association for Justice: 2025 legislative summary and effective dates
Figures are published third-party estimates, not quotes. Coverage depends on policy terms and underwriting, and rules vary by state. Updated November 2026.