State Requirements
Louisiana requires minimum liability coverage of 15/30/25: $15,000 bodily injury per person, $30,000 bodily injury per accident, and $25,000 property damage. 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.
Meeting the state minimum keeps you legal. See whether it's enough — get your Louisiana quote.
Get your Louisiana quoteCost Overview
High-risk auto insurance in Louisiana costs significantly more than standard coverage due to violation surcharges, SR-22 filing requirements, and limited carrier competition. A driver with a clean record may pay $1,200–$1,800 annually for minimum coverage, while a DUI or SR-22 requirement can push premiums to $2,200–$4,600 or higher. Rates vary widely based on violation type, time since incident, age, location, and whether you qualify for standard or non-standard placement.
What Affects Your Rate
- Violation type and severity: DUI convictions add $1,200–$2,500 annually; reckless driving or at-fault accidents add $600–$1,400
- Time since incident: Rates decrease 15%–30% after 3 years violation-free; major violations remain surcharged for 5+ years
- SR-22 filing requirement: Adds $15–$35 filing fee plus $800–$1,500 annual premium increase due to high-risk classification
- Location within Louisiana: Urban areas like New Orleans and Baton Rouge see 20%–40% higher rates than rural parishes due to accident frequency and theft
- Age and experience: Drivers under 25 with violations pay 30%–60% more than older drivers with identical records
- Credit-based insurance score: Louisiana allows credit scoring; poor credit combined with violations can double premiums compared to good credit with same driving record
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Get Your Free QuoteCoverage 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.
