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Published: January 7, 2022Last updated: March 29, 2022

Do You Need Louisiana Car Registration for Car Insurance?

The ins and outs of insurance and registration requirements in Louisiana

Whether you’re buying a new car in Louisiana or moving from out of state, you’re probably dealing with endless, complicated paperwork. Processes change from state to state, so even if you’ve registered and insured a car before, the rules of the game might be different. We’ll go over what you need to get on the road in the Pelican State.

Do You Need Louisiana Car Registration for Car Insurance?

In general, you should register and insure your car in the state where you live. If you’re buying a car in Louisiana or moving there, you’ll need to buy a Louisiana auto insurance policy or transfer your existing policy.

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You don’t need Louisiana registration to insure your car there. In fact, you’ll need the Louisiana insurance policy before you can register your vehicle.

Do You Have to Get Car Insurance Before You Can Register Your Car?

Yes — in order to get vehicle registration in Louisiana, you need to show proof of insurance. We’ll go over the other documents you need.

Person holding car registration card

Do you need Louisiana car registration for car insurance?

What You Need to Register a Vehicle in Louisiana

To register your vehicle in Louisiana, you’ll need several documents:

  1. Proof of Louisiana car insurance, which your insurance agent can provide.
  2. A completed vehicle application form (Form DPSMV 1799).
  3. Your driver’s license. If you haven’t had a chance to get a Louisiana driver’s license yet, your out-of-state license should suffice.
  4. If you’re registering a vehicle you purchased new, you’ll need the Manufacturer’s Statement of Origin (MSO), which you can get from the dealership where you bought the car. If you got the car in a state that requires notarization, you’ll need to notarize the MSO.1
  5. An invoice or bill of sale that includes a description of the vehicle. For vehicles purchased new, you’ll need the original itemized invoice from the dealer. If you bought a used vehicle, you’ll need the original notarized bill of sale or invoice.
  6. Odometer disclosure statement. If you have a used vehicle, you only need this document if the back of the title doesn’t already contain an odometer disclosure statement.
  7. If you’re recording a lien, you’ll need a UCC-1 form (financing statement) or another security agreement. You can get this from your dealer or wherever you financed your vehicle.
  8. Payment for fees. The Louisiana Office of Motor Vehicles (OMV) accepts debit or credit cards, money orders, and cash. Expect to pay these fees:
    • $68.50 title fee
    • $8 handling fee
    • $6 local fee (depending on your parish)
    • $10 to $15 lien recording fee (if applicable)
    • Minimum $20 license plate fee (depending on the type, weight, and selling price of your vehicle)
    • Sales use tax (4 to 9.5 percent of your vehicle’s assessed value, unless you are an active-duty military member or eligible for a tax credit paid in another state)

Can You Insure Your Car Without Registering It?

You can insure your vehicle in Louisiana before you register it. But eventually, you will need to register your vehicle in Louisiana. If you’re a new resident, the state requires you to register your vehicle within 30 days of moving.

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When you move to Louisiana, you must register your vehicle with the Louisiana OMV within 30 days.

If you don’t register your car in Louisiana, you may be subject to late fees and penalties. And when you don’t register your car in the state where you live and hold insurance, you may have issues filing insurance claims.

Louisiana Insurance Requirements

Each state has its own minimum insurance requirements. Laws concerning minimum auto insurance coverage in Louisiana say you must carry liability insurance coverage for any vehicle you own.

Louisiana has what’s known as 15/30/25 liability limits. This means the policy from your insurance company must include a minimum of $15,000 in bodily injury protection to one person, $30,000 of protection per accident for more than one person, and $25,000 in property damage protection.2 Take note that liability coverage does not include protection for you, your passengers, or your own vehicle. Get an insurance quote today.

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Louisiana law requires you to have liability coverage for any vehicle you own. But keep in mind that if you carry only this minimum coverage and get into an accident, it won’t cover injuries to you and your passengers, or damage to your vehicle.

Recap

In Louisiana, you’ll need an in-state auto insurance policy before you can register your car there. Learn more about the cost of insurance in Louisiana, and Louisiana’s cheapest options for car insurance. For answers to your other pressing questions, check out our auto insurance FAQs.

Citations

  1. New Title & Registration. Louisiana Office of Motor Vehicles. (2022).
    https://www.expresslane.org/vehicles/title-and-registration/new-title-registration/

  2. Consumer’s Guide to Auto Insurance. Louisiana Department of Insurance. (2016, May).
    https://www.ldi.la.gov/docs/default-source/documents/publicaffairs/consumerpublications/auto-insurance-guide.pdf