Trucking Insurance in Louisiana
Get connected with trucking insurance specialists who understand Louisiana’s LPSC requirements and "No Pay, No Play" laws. Compare competitive rates from carriers operating in the Pelican State.
Operating a Trucking Business in Louisiana
Operating a trucking business in Louisiana requires navigating one of the most unique legal and regulatory landscapes in the country. Whether you are an owner-operator based in New Orleans, a fleet serving the petrochemical corridor in Baton Rouge, or an oilfield hauler in Lafayette, your insurance needs go beyond standard liability.
Louisiana is a vital link in the global supply chain, home to some of the world’s busiest ports and the critical I-10 energy corridor. However, it is also known for a challenging litigation environment and unique "No Pay, No Play" laws that penalize uninsured drivers. For motor carriers, this means that robust, compliant coverage isn't just a legal requirement—it’s a business necessity to protect your assets from high-severity claims. Intrastate carriers must also manage specific authority requirements overseen by the Louisiana Public Service Commission (LPSC).
Louisiana Insurance Requirements
Federal Requirements (Interstate)
Interstate carriers based in or traveling through Louisiana must adhere to FMCSA standards.
- Primary Liability: $750k ($1M recommended)
- Cargo: Required for for-hire
Louisiana Intrastate (LPSC Authority)
The Louisiana Public Service Commission (LPSC) oversees intrastate trucking authority.
Mandatory State Filings
Form E: Proof of liability insurance filed by insurer with LPSC within 30 days.
Form H: Proof of cargo insurance for for-hire property carriers.
"No Pay, No Play": Uninsured motorists forfeit first $15k/$25k in damages. Stay insured!
Coverage Types Required in Louisiana
Major Freight Corridors
- 01I-10 "Freight King"
Primary artery connecting Texas to Mississippi; huge petrochemical volume.
- 02Atchafalaya Bridge
18-mile bridge with strict speed limits & enforcement.
- 03Port Corridors
Routes serving Port of South LA & New Orleans need drayage coverage.
LA Industries & Risks
- Energy & Petrochem
Hauling refined fuel/equipment requires pollution endorsements.
- Port Logistics
Intermodal drayage requires UIIA-compliant interchange policies.
- Flood Risk
High hurricane risk makes comprehensive Physical Damage vital.
What Affects Your Louisiana Rates
LA is a high-cost state due to litigation risks. Location and cargo type are key factors.
New Orleans/Baton Rouge carriers pay premiums vs. rural areas.
"Direct Action" lawsuits increase claim costs statewide.
Energy sector hauling carries higher liability premiums.
Frequently Asked Questions
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