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 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
Covers bodily injury and property damage you cause to others. Louisiana's 15/30/25 minimums are often insufficient for high-risk drivers facing lawsuits.
SR-22 Insurance
A certificate filed by your insurer proving continuous coverage to the Louisiana Office of Motor Vehicles. Required for 3 years after DUI, suspension, or driving uninsured.
Full Coverage
Combines liability, collision, and comprehensive insurance. Required by lenders and recommended for newer vehicles even after a violation.
Non-Standard Auto Insurance
Specialized coverage for drivers who cannot obtain standard market insurance due to violations, lapses, or point accumulation. Offers SR-22 filing and flexible payment plans.
Uninsured Motorist Coverage
Protects you if hit by a driver without insurance. Louisiana requires UM coverage at the same limits as your liability unless you reject it in writing.
Collision Coverage
Pays for damage to your vehicle after an accident, regardless of fault. Required by lenders and valuable for drivers with financed vehicles or recent violations.
