Updated April 2026
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. SR-22 filing is typically mandated after DUI convictions, driving without insurance, license suspensions, or accumulating 12 or more points in 12 months. The filing requirement generally lasts 3 years from the date of reinstatement. These minimums are often insufficient for high-risk drivers facing lawsuits or repeat violations.
How Much Does Car Insurance Cost in Louisiana?
High-risk auto insurance in Louisiana typically costs $200–$400/mo ($2,400–$4,800/year), compared to $100–$150/mo for clean-record drivers. Rates depend on violation type, point total, age, vehicle, and location. DUI violations carry the steepest surcharges, often doubling or tripling base premiums. SR-22 filing adds $15–$25 upfront but the underlying violation drives the rate increase.
What Affects Your Rate
- Violation type: DUI surcharges are 2–3x higher than speeding or reckless driving
- Point total: 8–12 points typically trigger non-standard market placement
- SR-22 requirement: adds $15–$25 upfront but signals high-risk status to insurers
- Location: New Orleans and Baton Rouge rates run 20–30% higher than rural parishes due to theft and accident frequency
- Age and experience: drivers under 25 with violations pay the highest rates statewide
- Prior lapse: coverage gaps of 30+ days can increase rates by 30–50% on top of violation surcharges
Compare Auto Insurance Rates in Louisiana
Find Your City in Louisiana
Sources
- Louisiana Office of Motor Vehicles – SR-22 Requirements and Reinstatement Procedures
- Louisiana Department of Insurance – Minimum Coverage Standards
- Louisiana Revised Statutes Title 32 – Motor Vehicles and Traffic Regulation