Louisiana SR-22 & High-Risk Auto Insurance
Louisiana requires 15/30/25 liability coverage and is an at-fault state.
Find SR-22 Coverage NowLouisiana 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
$125
State license reinstatement fee
Source: state DMV, insurance department and statute records, verified July 2026
State Requirements
These state minimums are frequently insufficient for drivers with violations, DUIs, or at-fault accidents, who may face personal liability beyond policy limits in future claims. SR-22 filing is required for DUI convictions, suspensions for accumulating points, uninsured accidents, and reinstatement after certain violations. Louisiana enforces SR-22 compliance through electronic verification between insurers and the Office of Motor Vehicles.
Liability Insurance
SR-22 Certificate Filing
Uninsured Motorist Coverage
Comprehensive and Collision Coverage
Non-Standard Auto Insurance
Cost Overview
$431–$508/mo
Typical monthly rate in Louisiana, drivers with an SR-22 after a DUI
Rate data: ValuePenguin and NerdWallet, 2026
What Affects Your Rate
- Credit-based insurance score: Louisiana allows credit scoring; poor credit combined with violations can double premiums compared to good credit with same driving record
See What Your SR-22 Should Really Cost
Find SR-22 Coverage NowIf your license is suspended
Restricted license (economic/medical hardship, RS 32:415.1)
A restricted license is available while suspended.
A coverage lapse is reported
The state acts on a lapse after 10 days.
Source: state DMV, insurance department and statute records, verified July 2026
Frequently Asked Questions
How long do I need SR-22 insurance in Louisiana?
Louisiana requires SR-22 filing for 3 years from the date your insurer submits the certificate to the Office of Motor Vehicles. The clock resets entirely if your policy lapses or cancels during the 3-year period, and your license is suspended immediately upon lapse. You must maintain continuous coverage without interruption to satisfy the requirement.
What happens if my SR-22 insurance lapses in Louisiana?
Your insurer must notify Louisiana OMV within 24 hours of policy cancellation or lapse. Your license is suspended immediately, and the 3-year SR-22 filing period resets to day one when you obtain new coverage and refile. Reinstatement requires paying suspension fees, providing proof of new SR-22 coverage, and potentially re-applying for driving privileges.
Do I need SR-22 if my license is suspended in Louisiana?
Yes, in most cases. Louisiana requires SR-22 filing for reinstatement after suspensions due to DUI, accumulating 12+ points, driving uninsured, or certain serious violations. You must obtain an SR-22 policy, file the certificate with OMV, pay reinstatement fees, and maintain the SR-22 for 3 years. Specific requirements depend on the reason for suspension.
Coverage Types
SR-22 Insurance
Certificate filed by your insurer proving you maintain Louisiana's minimum liability coverage. Required after DUI, suspension, or serious violations for 3 years. Not a separate policy—it's proof of an active policy meeting state standards.
Liability Insurance
Covers injuries and property damage you cause to others. Required for all Louisiana drivers at 15/30/25 minimums, but high-risk drivers should consider 50/100/50 or higher to protect against lawsuits exceeding policy limits.
Uninsured Motorist Coverage
Pays for your injuries when hit by a driver with no insurance or limits too low to cover your damages. Louisiana requires insurers to offer this coverage at limits matching your liability unless you decline in writing.
Non-Standard Auto Insurance
Policies designed for drivers standard carriers reject: DUIs, SR-22 requirements, multiple violations, or coverage lapses. Offered by specialized insurers at higher premiums with stricter payment terms and coverage restrictions.
Full Coverage Insurance
Combines liability, collision, and comprehensive coverage. Not a legal term, but commonly refers to meeting lienholder requirements or maximizing protection for your vehicle and others.
High-Risk Auto Insurance
Coverage for drivers with DUIs, suspensions, lapses, or multiple violations. Premiums are 80%–250% higher than standard rates depending on violation severity and driving history length.