DUI Insurance — Louisiana
Louisiana requires 15/30/25 liability coverage and is an at-fault state.
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Louisiana at a Glance
15/30/25
Minimum liability limits, in thousands of dollars (per person / per accident / property)
At-fault
The at-fault driver's insurance pays for the damage they cause
Optional
PIP and uninsured motorist coverage are not required by law
$125
State license reinstatement fee
Source: state DMV, insurance department and statute records, verified July 2026
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.
Bodily Injury Liability
Property Damage Liability
Uninsured Motorist Coverage
SR-22 Certificate
What Drivers Pay in Louisiana
$260–$508/mo
Typical monthly rate in Louisiana, high-risk drivers after a DUI
Rate data: ValuePenguin and Insurify, 2026
See Who Insures Louisiana Drivers After a DUI
Get My Louisiana DUI Insurance QuoteIf your license is suspended
Restricted license (economic/medical hardship, RS 32:415.1)
A restricted license is available while suspended.
A coverage lapse is reported
The state acts on a lapse after 10 days.
Source: state DMV, insurance department and statute records, verified July 2026
Frequently Asked Questions
Do I need insurance if my license is suspended in Louisiana?
Yes, if your suspension resulted from a DUI, no insurance, or certain repeat violations. Louisiana Office of Motor Vehicles requires SR-22 filing to prove continuous coverage during the suspension period, even if you're not driving. A non-owner policy satisfies this requirement if you don't have a vehicle. If you let coverage lapse, your suspension extends automatically and the 3-year SR-22 clock restarts from zero.
Can I get a hardship license in Louisiana after a DUI?
Louisiana does not offer a formal hardship or restricted license during a DUI suspension. Your license is suspended for the full period ordered by the court — typically 90 days to 1 year for a first offense. After the suspension ends, you must provide SR-22 proof of insurance and pay reinstatement fees to the Office of Motor Vehicles before you can drive legally again.
What happens if I miss a car insurance payment with an SR-22 in Louisiana?
Your insurer notifies Louisiana Office of Motor Vehicles within 24 hours of the lapse. OMV automatically re-suspends your license, and you cannot reinstate until you file a new SR-22 and pay reinstatement fees again. The 3-year SR-22 requirement restarts from the date of the new filing, not your original conviction date. Even a one-day lapse resets the clock.
Will my Louisiana SR-22 requirement transfer if I move to another state?
No. Louisiana's 3-year SR-22 requirement follows your driving record, not your residency. If you move to another state, you must obtain SR-22 or equivalent filing in your new state and maintain it for the full 3-year period Louisiana ordered. Your new state's DMV and Louisiana Office of Motor Vehicles share violation data through the National Driver Register — you cannot escape the requirement by moving.
Coverage 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.