State Requirements
Louisiana requires minimum liability coverage of 15/30/25: $15,000 bodily injury per person, $30,000 bodily injury per accident, and $25,000 property damage per accident. Drivers with DUI convictions, multiple at-fault accidents, license suspensions for violations, or convictions for driving without insurance must file SR-22 proof of financial responsibility with the Louisiana Office of Motor Vehicles. High-risk drivers often need higher liability limits than state minimums to secure SR-22 coverage from non-standard carriers. Louisiana is a comparative fault state, meaning at-fault drivers can be held liable for damages exceeding minimum limits.
Cost Overview
High-risk auto insurance premiums in Louisiana average $2,200–$4,800 annually for drivers with DUI convictions, SR-22 requirements, or multiple violations, compared to $1,400–$2,000 for standard drivers. Rates vary dramatically based on violation type, time since incident, age, parish, and carrier—DUI offenders typically pay 80–150% more than clean-record drivers. Non-standard carriers and state-assigned risk pools offer the only coverage options for many high-risk profiles, with premiums declining as violations age beyond three years.
What Affects Your Rate
- Violation type and severity—DUI convictions increase premiums 80–150%, while multiple speeding tickets add 30–60%
- Time since incident—rates drop significantly after 3 years as violations fall off driving records
- Parish location—urban parishes like Orleans and East Baton Rouge have higher uninsured driver rates and accident frequency
- Age and experience—drivers under 25 with DUI face the highest premiums, often $5,000–$7,000 annually
- Coverage level—minimum liability costs half as much as full coverage but leaves high-risk drivers exposed to personal liability
- Carrier type—non-standard carriers charge 40–80% more than standard carriers but accept higher-risk profiles
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Get Your Free QuoteCoverage Types
SR-22 Insurance
Certificate of financial responsibility filed by your carrier with the Louisiana OMV proving continuous coverage for drivers with DUI, suspensions, or serious violations. Required for 3 years with no lapses.
Non-Standard Auto Insurance
Coverage from carriers specializing in high-risk drivers who cannot obtain policies from standard insurers due to DUI, violations, accidents, or SR-22 requirements. Premiums run 40–80% higher than standard market.
Liability Insurance
Mandatory coverage paying for injuries and property damage you cause to others in at-fault accidents. Louisiana requires 15/30/25 minimums, but many SR-22 carriers mandate higher limits.
Uninsured Motorist Coverage
Optional but strongly recommended coverage protecting against the 13% of Louisiana drivers who carry no insurance. Pays for your injuries and vehicle damage when at-fault drivers cannot.
Full Coverage Insurance
Combination of liability, collision, comprehensive, and uninsured motorist coverage providing maximum protection. Required by lenders for financed vehicles and essential for high-risk drivers with assets to protect.
DUI Insurance
Non-standard auto insurance for drivers with DUI or DWI convictions requiring SR-22 filing. Premiums remain elevated for 3–5 years until the conviction ages off driving records and insurance history.
