Louisiana SR-22 & High-Risk Auto Insurance

Louisiana's 15/30/25 minimum is among the lowest in the nation and leaves significant exposure after an at-fault accident. High-risk drivers should consider 50/100/50 or higher limits, especially if carrying SR-22, since a second major violation can result in extended filing periods or license revocation. Louisiana is a tort state, meaning at-fault drivers are personally liable for damages exceeding policy limits.

SR-22 is not a separate insurance policy but a certificate proving continuous coverage filed by your insurer with the Louisiana Office of Motor Vehicles. Most major carriers will not write SR-22 policies, pushing high-risk drivers to non-standard specialists.

UM coverage is mandatory at the same limits as your liability unless you decline it in writing. High-risk drivers should carry UM limits matching or exceeding their liability coverage, since an accident with an uninsured driver will not help reduce points or improve your driving record.

Full coverage combines liability, collision, and comprehensive insurance. While not legally required, lenders mandate it for financed or leased vehicles.

Non-standard carriers specialize in high-risk drivers who cannot obtain coverage from preferred insurers. These companies offer SR-22 filing, accept drivers with multiple violations or lapses, and provide flexible payment plans.