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Louisiana SR-22 & High-Risk Auto Insurance

Louisiana requires 15/30/25 liability coverage and is an at-fault state.

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Louisiana at a Glance

15/30/25

Minimum liability limits, in thousands of dollars (per person / per accident / property)

At-fault

The at-fault driver's insurance pays for the damage they cause

Optional

PIP and uninsured motorist coverage are not required by law

Source: state DMV, insurance department and statute records, verified July 2026

Minimum Coverage Requirements in Louisiana

Drivers with DUI convictions, license suspensions for multiple violations, at-fault accidents while uninsured, or habitual offender designations must file SR-22 proof of insurance with the Louisiana Office of Motor Vehicles. The SR-22 filing requirement typically lasts 3 years from the reinstatement date. Any lapse in coverage during the SR-22 period resets the clock and can trigger immediate license suspension.

Liability Insurance

Louisiana's 15/30/25 minimums are mandatory for all drivers and SR-22 filers, but these limits are among the lowest in the nation and may not cover damages in a serious accident.

SR-22 Insurance

SR-22 is not a separate insurance policy but a certificate filed by your insurer with the Louisiana Office of Motor Vehicles proving you carry continuous coverage. Not all carriers offer SR-22 filing—standard insurers like GEICO and Progressive may drop drivers who require it, pushing them to non-standard carriers such as LA Insurance or regional high-risk specialists.

Non-Standard Auto Insurance

Non-standard carriers specialize in high-risk profiles including DUI, multiple violations, and lapses. Policies often come with stricter terms: higher down payments, shorter payment grace periods, and immediate cancellation for late payments, which is particularly risky during an SR-22 period when a lapse resets the filing clock.

Full Coverage

Full coverage combines liability with comprehensive and collision, protecting your vehicle and others. While not legally required, lenders mandate full coverage on financed vehicles, and dropping to liability-only during an SR-22 period won't reduce premiums significantly—high-risk surcharges apply regardless of coverage level.

Uninsured/Underinsured Motorist Coverage

This coverage is especially critical for SR-22 filers who cannot afford another at-fault accident or injury claim that exceeds the other driver's limits.

What Drivers Pay in Louisiana

$401–$454/mo

Typical monthly rate in Louisiana, drivers after a speeding ticket

Rate data: ValuePenguin and CarInsurance.com, 2026

What Affects Your Rate

  • Type of violation: DUI convictions carry higher surcharges than suspended licenses or at-fault accidents
  • Location: New Orleans, Baton Rouge, and Shreveport have higher rates than rural parishes like Livingston or Ascension
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Coverage Types

SR-22 Insurance

Certificate filed with Louisiana OMV proving continuous coverage for 3 years. Required after DUI, suspension, or uninsured accident.

Non-Standard Auto Insurance

Coverage from carriers specializing in high-risk profiles. Accepts drivers with DUI, lapses, or multiple violations when standard insurers won't.

Liability Insurance

Covers damages you cause to others. Louisiana's 15/30/25 minimums are low compared to medical costs and property damage in serious accidents.

Full Coverage

Combines liability, collision, and comprehensive. Required by lenders and protects your vehicle and assets during high-risk period.

Uninsured Motorist Coverage

Protects you when hit by a driver with no insurance or insufficient limits. Optional in Louisiana but critical given high uninsured rates.

Collision Coverage

Pays to repair your vehicle after an accident regardless of fault. Required by lenders and advisable for vehicles worth over $5,000.

Find Your City in Louisiana

New Orleans

urban

Baton Rouge

urban

Shreveport

urban

Metairie

suburban

Lafayette

suburban

Lake Charles

urban

Kenner

suburban

Monroe

urban