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 convicted of DUI, at-fault accidents without insurance, repeat traffic violations, or license suspensions typically must file SR-22 proof of financial responsibility with the Louisiana Office of Motor Vehicles. SR-22 filing confirms continuous coverage and is required for reinstatement after suspension. For high-risk drivers, minimum limits may be insufficient to satisfy lender requirements or protect assets after a covered loss.
How Much Does Car Insurance Cost in Louisiana?
High-risk drivers in Louisiana pay 80%–250% more than standard-rate drivers depending on violation severity, age, location, and driving history. DUI convictions and at-fault uninsured accidents trigger the steepest increases. SR-22 filing adds administrative costs, but the primary cost driver is the underlying high-risk policy premium, which reflects the insurer's elevated risk exposure.
What Affects Your Rate
- Violation type: DUI typically adds 100%–200% to premiums; at-fault accidents add 40%–80%; speeding tickets add 20%–40%
- Years since violation: rates decrease annually if no new incidents occur; most insurers offer step-down pricing at 3 and 5 years
- SR-22 filing status: filing itself costs $15–$35, but restricts you to non-standard carriers with higher base rates
- Location: New Orleans and Baton Rouge drivers pay 15%–30% more than rural parishes due to higher accident and theft rates
- Age and gender: young male drivers under 25 with violations face the highest rates in Louisiana
- Credit-based insurance score: Louisiana allows use of credit in rating; poor credit combined with violations can double premiums
Compare rates from carriers that work with drivers who have points
Standard carriers surcharge heavily after violations. These specialists price your specific record differently.
Get Your Free QuoteCoverage Types
Liability Insurance
Pays for injuries and property damage you cause to others. Required by Louisiana law and the foundation of any SR-22 filing.
SR-22 Insurance
Electronic proof of financial responsibility filed by your insurer to the Louisiana Office of Motor Vehicles confirming continuous coverage. Required after DUI, suspension, or uninsured accident.
Non-Standard Auto Insurance
Policies designed for drivers with DUI, suspensions, accidents, or SR-22 requirements. Higher premiums but broader acceptance of high-risk profiles.
Full Coverage
Liability, collision, and comprehensive combined. Protects your vehicle and others. Required by lenders and lessors.
Uninsured Motorist Coverage
Covers your injuries and damages when hit by a driver with no insurance or insufficient limits. Optional in Louisiana but recommended.
Collision Coverage
Pays to repair or replace your vehicle after an accident, regardless of fault. Required by lenders.
