Louisiana auto insurance laws are very strict. If drivers don't meet the state minimum requirements, they can look forward to jail time, vehicle impoundment, and license suspension. The financial responsibility law can seem complicated for some, because the amount of insurance required of each driver varies depending on the size and weight of the vehicle being insured.

• 20,000 lbs. or less: $10,000 per person and $20,000 per accident for injury coverage, and $10,000 per accident for property damage coverage
• 20,000 lbs.- 49,999 lbs.: $25,000 per person and $50,000 per accident for injury coverage, and $25,000 property damage coverage per accident
• Over 50,000 lbs.: $100,000 per person and $300,000 per accident for injury coverage, and $25,000 property damage per accident

Regardless of the amount of coverage you're required to have, you should always consider purchasing extra coverage and higher limits if possible. Otherwise, if you are involved in an accident that exceeds your limits, you will be responsible for paying the expenses out-of-pocket, which is nearly impossible unless you are rich.

You can shop around to find good deals on auto insurance in Louisiana. It's always a good idea to compare different rates and coverages with various companies before choosing an insurance policy. No matter what you decide, at least make sure you've got the state minimum amounts to avoid a vacation in a 8x8 cell.