Louisiana SR-22 Insurance & High-Risk Auto Coverage
Louisiana requires 15/30/25 liability coverage and is an at-fault state.
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Louisiana 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
Source: state DMV, insurance department and statute records, verified July 2026
Minimum Coverage Requirements in Louisiana
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.
Liability Insurance
SR-22 Insurance
Uninsured Motorist Coverage
Full Coverage
Non-Standard Auto Insurance
What Drivers Pay in Louisiana
$401–$454/mo
Typical monthly rate in Louisiana, drivers after a speeding ticket
Rate data: ValuePenguin and CarInsurance.com, 2026
What Affects Your Rate
- Years since violation: rates decrease annually if no new incidents occur; most insurers offer step-down pricing at 3 and 5 years
- 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
Put Your Record Up Against Every Rate
Compare Rates for Your Driving RecordCoverage 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.