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.
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
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 QuoteCoverage 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.
