Traffic Violation Insurance
Get a Quote

Louisiana SR-22 & High-Risk Auto Insurance

Louisiana requires SR-22 filing for DUI convictions, license suspensions, and uninsured accidents. Filing typically lasts 3 years and costs $15–$35, but high-risk premiums average $210–$400/mo depending on violation type and driving history.

Compare Louisiana Auto Insurance

Non-Standard Auto · SR-22 · Senior · Teen Drivers

Louisiana cityscape and street view
Quotes from state-licensed insurance professionals
Licensed Agents Only
Free to request, no commitment required
No Obligation
No cost to you
Free to Use
Your contact information is protected
TCPA-Compliant
Updated April 2026

Minimum Coverage Requirements in Louisiana

Louisiana requires minimum liability coverage of 15/30/25: $15,000 bodily injury per person, $30,000 per accident, and $25,000 property damage. 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.

Louisiana cityscape and street view
15/30/25
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. High-risk drivers face elevated premiums even at state minimums—typically $180–$350/mo after a DUI or suspension. Louisiana courts frequently see accident claims exceeding $30,000, leaving drivers with minimum coverage personally liable for the difference.
Matches state minimums (15/30/25)
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. It costs $15–$35 to file and must remain active for 3 years after reinstatement. 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.
Varies by carrier
Non-Standard Auto Insurance
Non-standard carriers specialize in high-risk profiles including DUI, multiple violations, and lapses. In Louisiana, these insurers—such as Acceptance, Direct Auto, and The General—charge higher premiums ($200–$450/mo) but accept drivers standard carriers reject. 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.
Liability + Comprehensive + Collision
Full Coverage
Full coverage combines liability with comprehensive and collision, protecting your vehicle and others. For high-risk drivers in Louisiana, full coverage typically costs $280–$550/mo depending on vehicle value and violation severity. 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.
Optional but recommended
Uninsured/Underinsured Motorist Coverage
Louisiana has an uninsured driver rate near 13%, one of the highest in the South, meaning roughly 1 in 8 drivers carries no coverage. UM/UIM coverage protects you when hit by an uninsured or underinsured driver and typically adds $30–$60/mo to high-risk policies. 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.
State-Mandated Minimum Coverage · Louisiana

Louisiana Minimum Coverage

CoverageMinimum
Bodily Injury (per person)$15,000,000
Bodily Injury (per accident)$30,000,000
Property Damage$25,000,000

License Reinstatement Fee$125

Meeting the state minimum keeps you legal. See whether it's enough — get your Louisiana quote.

Get your Louisiana quote

How Much Does Car Insurance Cost in Louisiana?

High-risk auto insurance in Louisiana reflects violation severity, location, and carrier availability. Drivers with a DUI typically pay $210–$400/mo, while those with suspensions or multiple violations see $180–$350/mo. Rates in urban areas like New Orleans and Baton Rouge run 15–25% higher than rural parishes due to accident frequency and theft rates.

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
  • Carrier type: Non-standard insurers charge 20–40% more than standard carriers but accept profiles standard companies reject
  • Time since violation: Rates drop 10–20% each year after the first year if no new incidents occur
  • Credit score: Louisiana allows credit-based insurance scoring, which can increase premiums 30–50% for drivers with poor credit
  • SR-22 duration: Drivers who complete 3 years without lapse can save 40–60% upon SR-22 removal and reinstatement with standard carriers
Minimum Liability
$180–$320/mo
State minimum 15/30/25 coverage with SR-22 filing. Cheapest legal option but leaves you exposed to out-of-pocket costs in serious accidents.
Standard Liability
$220–$380/mo
Higher liability limits (50/100/50 or 100/300/100) with SR-22. Better protection against lawsuits and asset seizure if you cause a major accident.
Full Coverage
$280–$550/mo
Liability, collision, comprehensive, and uninsured motorist coverage. Required for financed vehicles and provides maximum protection during high-risk period.

See how much your violation actually affects your rates

Not every carrier surcharges the same way. Compare quotes from carriers that rate violations differently.

Get Your Free Quote
✓ Violation Rate Specialists✓ No Obligation✓ Licensed Carriers✓ All Violation Types

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

St. Louis Cathedral in Jackson Square, New Orleans at night with American flag and historic buildings illuminated

New Orleans

urban
Steel truss bridge over river at sunset with barge passing underneath and city skyline in background

Baton Rouge

urban
Shreveport, Louisiana cityscape and street view

Shreveport

urban
Stone memorial bench in peaceful park setting surrounded by green trees and grass

Metairie

suburban
City skyline with tall buildings viewed across water with green grass in foreground on clear day

Lafayette

suburban
Aerial view of sandy beach at sunset with forest on one side and ocean on the other

Lake Charles

urban
Peaceful river scene at sunset with pink sky and green trees reflected in calm water

Kenner

suburban
City skyline with tall buildings viewed across water from grassy waterfront area on clear day

Monroe

urban

Get Your Free Quote in Louisiana