Key Takeaways
- The Louisiana Department of Insurance (LDI) regulates all insurance activities in the state
- Louisiana is one of only 11 states where the Insurance Commissioner is ELECTED by voters
- The Commissioner serves a 4-year term and elections coincide with the Governor's race
- Insurance law is found in Title 22 of the Louisiana Revised Statutes
- Louisiana attempted to switch to an appointed commissioner in 2025, but the legislation failed
Last updated: January 2026
Louisiana Department of Insurance
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The Louisiana Department of Insurance (LDI) is the state agency responsible for regulating the insurance industry in Louisiana.
The Insurance Commissioner
The Louisiana Insurance Commissioner is unique because it is an ELECTED position:
| Detail | Information |
|---|---|
| Selection Method | ELECTED by Louisiana voters |
| Term Length | 4 years |
| Term Limits | No term limits |
| Election Cycle | Same cycle as Governor (2023, 2027, etc.) |
| Current Commissioner | Tim Temple |
Exam Tip: Louisiana is one of only 11 states that ELECT their insurance commissioner. This is frequently tested - remember that Louisiana's commissioner is ELECTED, not appointed!
Historical Context
- The office of Insurance Commissioner was created in 1957 as an appointed position
- The first appointed commissioner, Rufus Hayes, became the first elected commissioner in 1958
- A 2025 legislative attempt (Senate Bill 214) to switch back to an appointed position failed
- The elected status remains in place today
Department of Insurance (LDI)
The Louisiana Department of Insurance is responsible for:
- Licensing insurance producers, adjusters, and agencies
- Regulating insurance companies operating in Louisiana
- Reviewing and approving insurance rates
- Approving policy forms
- Handling consumer complaints and inquiries
- Investigating insurance fraud
- Enforcing insurance laws and regulations
Louisiana Insurance Code
Louisiana insurance law is found in Title 22 of the Louisiana Revised Statutes:
Key Sections
| Section | Subject |
|---|---|
| Title 22, Part I | Insurance Code - General Provisions |
| Title 22, Part II | Insurance Companies |
| Title 22, Part III | The Insurance Contract |
| Title 22, Part IV | Property Insurance |
| Title 22, Part V | Health and Accident Insurance |
| Title 22, Part VI | Agents, Brokers, and Adjusters |
Contact Information
- LDI Main Phone: (225) 342-5900
- Consumer Services: (800) 259-5300 (in-state)
- Website: ldi.la.gov
- Address: 1702 N. Third Street, Baton Rouge, LA 70802
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Test Your Knowledge
How is the Louisiana Insurance Commissioner selected?
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Test Your Knowledge
How long is the Louisiana Insurance Commissioner's term?
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Test Your Knowledge
Which title of Louisiana Revised Statutes contains insurance law?
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