National General DUI Insurance — Louisiana
Free to compare
National General After a Louisiana DWI
You received your DWI conviction and National General—your current carrier—sent a policy non-renewal notice effective 30 days out. The OMV suspension letter says you need SR-22 filing for three years to reinstate. You call National General assuming they'll add the SR-22 to your existing policy. The agent tells you the company does not write post-DWI coverage in your underwriting tier.
National General operates in Louisiana as a standard-tier carrier that technically offers SR-22 filing but structures its underwriting to exclude most DWI convictions from renewal. The non-renewal is not punitive—it reflects tier positioning. National General's standard auto book does not absorb DWI risk long-term. You need a carrier engineered to retain post-DWI drivers through the full three-year SR-22 period, and that carrier is rarely the one you held before conviction.
“National General's standard book does not absorb DWI risk long-term—you need a carrier engineered to retain post-DWI drivers through the full three-year SR-22 period.”
See Who Insures Louisiana Drivers After a DUI
Get My Louisiana DUI Insurance Quote$260–$508/mo
Louisiana Post-DWI Premium Range
High-risk tier monthly premiums after DWI conviction run 24–55% higher than clean-record rates. The range reflects non-standard carrier pricing for liability-only or state-minimum coverage with SR-22 filing.
ValuePenguin and Insurify after-DUI state benchmarks, 2026
Why National General Non-Renews DWI Policies
National General underwrites standard and non-standard auto lines but separates them by subsidiary and underwriting appetite. The parent Allstate structure positions National General's Louisiana book as standard-tier business. DWI convictions trigger automatic non-renewal in most standard-tier books because actuarial loss models price DWI risk outside the tier's rate structure.
The non-renewal letter arrives before your suspension begins. Louisiana OMV suspends your license for 365 days minimum on first-offense DWI per RS 32:414. During that year you cannot drive except under a restricted license granted by OMV or district court petition. National General's underwriting system flags the conviction, calculates the risk as non-standard, and exits the policy at the next renewal boundary.
This is not a claims decision. Even if you held National General coverage for ten years with zero claims, the DWI conviction moves you into a risk category the standard book does not retain. You need a non-standard carrier whose rate structure and retention model are built for post-DWI drivers.
National General will not renew your policy after DWI conviction—the tier mismatch is structural, and appealing the non-renewal wastes the 30-day window you have to secure SR-22 coverage elsewhere.
SR-22 Filing During Louisiana's Hard Suspension
Louisiana imposes a 365-day license suspension on first-offense DWI convictions. You cannot drive during this period unless you obtain a restricted license from OMV or through district court petition per RS 32:415.1. The restricted license requires ignition interlock installation and SR-22 filing before OMV or the court approves the application.
You can purchase SR-22 insurance during the hard suspension even though you cannot legally drive. Carriers write policies for suspended drivers because Louisiana requires continuous SR-22 filing from the reinstatement date forward for three years. If you wait until day 365 to buy coverage, the SR-22 filing delay extends your suspension. OMV does not reinstate your license until the SR-22 certificate is on file and all reinstatement fees are paid.
Non-owner SR-22 policies cover this gap. If you sold your vehicle after the DWI arrest or do not own a car during suspension, a non-owner policy satisfies the SR-22 requirement at lower cost than standard auto policies. Bristol West, The General, and Direct Auto write non-owner SR-22 policies in Louisiana. Monthly premiums typically run lower than owner policies because the carrier assumes you drive borrowed or rental vehicles infrequently.
3 years
Louisiana SR-22 Filing Period
Louisiana requires SR-22 filing for three years after DWI conviction per RS 32:414. The period begins on your reinstatement date, not your conviction date. Any lapse in coverage during the three years restarts the filing clock.
Louisiana Revised Statutes 32:414
Reinstatement Costs Beyond the Premium
Louisiana OMV charges a $100 reinstatement fee after DWI suspension. You pay this fee at the OMV office when you apply for reinstatement after completing the 365-day suspension period and all court-ordered requirements. The fee is separate from your insurance premium and SR-22 filing cost.
Ignition interlock installation adds another cost layer. Louisiana requires ignition interlock for all DWI convictions during any restricted-license period and for six months post-reinstatement on first offense. Over the restricted-license period and post-reinstatement requirement, ignition interlock costs total $1,200–$2,100 on top of your insurance premium and reinstatement fee.
Compare Non-Standard Carriers Now
National General's non-renewal forces you into the non-standard market. Waiting for National General to reconsider or appealing the underwriting decision wastes the narrow window you have to secure SR-22 coverage before your suspension begins.
Request quotes from at least three non-standard carriers that write post-DWI SR-22 in Louisiana. Provide your conviction date, your intended reinstatement timeline, and whether you need a non-owner or standard owner policy. Confirm the carrier files SR-22 electronically with Louisiana OMV and retains policies through the full three-year period. Compare total first-year cost including the SR-22 filing fee, ignition interlock expense, and reinstatement fee—not just the monthly premium.
Which Carriers Write Post-DWI SR-22 in Louisiana
Non-standard carriers writing post-DWI SR-22 in Louisiana include Bristol West, Direct Auto, The General, Progressive's non-standard division, and Geico's high-risk tier. Each files SR-22 electronically with OMV and prices DWI risk into the base rate structure. Bristol West and Direct Auto operate storefronts statewide and write liability-only or state-minimum policies for suspended drivers seeking restricted licenses. The General and Progressive non-standard divisions offer online quoting but require phone underwriting for DWI cases.
National General appears on Louisiana OMV's SR-22 carrier list but writes post-DWI business selectively. Most DWI applicants receive declination or are routed to Allstate's non-standard subsidiary. Farmers and Geico write some post-DWI policies but non-renew at higher rates than dedicated non-standard carriers. USAA writes post-DWI for eligible military members but restricts new DWI policies to existing customers. State Farm rarely writes new post-DWI policies in Louisiana—the carrier exits most DWI risks at conviction.
Get Your Free Quote
Get My Louisiana DUI Insurance QuoteFrequently Asked Questions
Does National General file SR-22 in Louisiana after a DWI?
National General is listed as an SR-22 carrier with Louisiana OMV but non-renews most DWI policies at the end of the current term. The company writes SR-22 selectively for post-DWI drivers, and most applicants are declined or routed to Allstate's non-standard subsidiary.
Can I get SR-22 insurance during my Louisiana license suspension?
Yes. Louisiana carriers write SR-22 policies for suspended drivers even during the 365-day hard suspension period. You need coverage in place before applying for a restricted license, and continuous SR-22 filing is required from reinstatement forward for three years.
What is a non-owner SR-22 policy in Louisiana?
A non-owner SR-22 policy provides liability coverage when you do not own a vehicle. It satisfies Louisiana's SR-22 filing requirement at lower cost than standard auto policies. Bristol West, The General, and Direct Auto write non-owner SR-22 policies in Louisiana.
How much does SR-22 insurance cost in Louisiana after a DWI?
Non-standard carriers writing post-DWI SR-22 in Louisiana typically charge $260–$508 per month for liability coverage, 24–55% higher than clean-record rates.
How long do I need SR-22 filing in Louisiana?
Louisiana requires SR-22 filing for three years after DWI conviction. The three-year period begins on your reinstatement date, not your conviction date. Any lapse in coverage during the three years restarts the filing requirement.
Which carriers write post-DWI insurance in Louisiana?
Non-standard carriers writing post-DWI SR-22 policies in Louisiana include Bristol West, Direct Auto, The General, Progressive's non-standard division, and Geico's high-risk tier. These carriers structure retention through the full three-year SR-22 period and file electronically with Louisiana OMV.
Can I appeal National General's non-renewal after a DWI?
National General's non-renewal after DWI conviction reflects tier positioning, not claims history. The carrier does not retain DWI risks in its standard underwriting book. Appealing wastes the 30-day window you have to secure SR-22 coverage with a non-standard carrier before your suspension begins.