Minimum Coverage Requirements in Louisiana
Louisiana is a tort state — the at-fault driver's liability insurance pays for injuries and property damage in an accident. The Louisiana Office of Motor Vehicles requires proof of insurance at vehicle registration, and continuous coverage is mandatory even during suspension periods for certain violation types. After a DUI, Louisiana requires SR-22 filing to verify you maintain at least the 15/30/25 minimums for 3 years from your conviction date.
How Much Does Car Insurance Cost in Louisiana?
Louisiana DUI rates reflect the state's high uninsured motorist percentage, frequent hurricane and flood damage claims, and elevated accident rates in metro areas like New Orleans and Baton Rouge. SR-22 filing adds $25–$50 annually, but the DUI conviction itself raises premiums 80–140% for the first 3 years.
What Affects Your Rate
- DUI conviction raises rates 80–140% in Louisiana for 3 years, with the steepest increase in year one.
- New Orleans and Baton Rouge zip codes add 15–25% to premiums due to higher theft and accident claim frequency.
- Drivers under 25 with a DUI pay $3,200–$4,800/year on average — age and violation combined create the highest-risk profile.
- Choosing a $1,000 deductible over $500 reduces comprehensive and collision premiums by approximately 12–18%.
- Bundling renters or homeowners insurance with auto coverage can reduce total premiums by 10–15% even for high-risk drivers.
- SR-22 filing itself costs $25–$50 annually, but some carriers charge $15–$25 per month as a high-risk surcharge on top of the filing fee.
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Get Your Free QuoteCoverage Types
SR-22 Insurance
Certificate filed by your insurer proving you carry Louisiana's minimum liability limits. Required for 3 years after DUI, and any coverage lapse triggers automatic re-suspension.
Non-Owner SR-22
Liability-only policy for drivers who don't own a vehicle but need SR-22 filing to satisfy reinstatement requirements or maintain continuous coverage during suspension.
Liability Insurance
Covers injury and property damage you cause to others. Louisiana requires 15/30/25, but high-risk drivers should consider 50/100/50 or higher to avoid personal lawsuit exposure.
Uninsured Motorist Coverage
Pays your medical bills and vehicle damage when an uninsured or underinsured driver hits you. Louisiana requires insurers to offer UM at your liability limits, and rejection must be in writing.
Comprehensive Coverage
Covers non-collision damage: theft, vandalism, flood, hurricane, hail, falling objects. Required by lenders if you finance or lease a vehicle.
Collision Coverage
Pays to repair or replace your vehicle after an at-fault accident, regardless of who caused the crash. Required by lenders and recommended for vehicles worth more than $5,000.
