Updated March 2026
State Requirements
Louisiana requires minimum liability coverage of 15/30/25: $15,000 bodily injury per person, $30,000 per accident, and $25,000 property damage. The state mandates SR-22 filing for DUI convictions, license suspensions due to violations or unpaid judgments, uninsured at-fault accidents, and habitual offender designations. SR-22 is a certificate of financial responsibility filed by your insurer directly with the Louisiana Office of Motor Vehicles, proving continuous coverage. For drivers with violations, minimums may not provide adequate protection against personal liability in serious accidents.
Cost Overview
High-risk auto insurance rates in Louisiana vary significantly based on violation type, prior insurance history, and geographic location. DUI convictions typically increase premiums 80–150% over standard rates, while multiple at-fault accidents or driving on a suspended license can result in even steeper surcharges. Louisiana's high uninsured motorist rate, frequent severe weather events, and elevated litigation costs in urban parishes contribute to higher non-standard premiums statewide.
What Affects Your Rate
- Type of violation: DUI convictions carry higher surcharges than speeding tickets or lapses
- Time since violation: rates decrease as violations age beyond 3–5 years
- SR-22 filing requirement: adds administrative cost and limits carrier options
- Parish: Orleans, East Baton Rouge, Jefferson, and Caddo parishes have higher base rates due to accident frequency and uninsured motorist exposure
- Prior insurance history: continuous coverage before violation results in lower quotes than drivers with lapses
- Vehicle type: older vehicles with liability-only coverage cost less than financed vehicles requiring full coverage
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Get Your Free QuoteCoverage Types
SR-22 Insurance
Certificate of financial responsibility filed by your insurer to the Louisiana OMV proving continuous coverage. Required for DUI, suspensions, and uninsured accidents. Not separate coverage—attaches to your liability policy.
Liability Insurance
Covers injury and property damage you cause to others. Louisiana's 15/30/25 minimums are below national averages and may not fully protect assets in serious accidents.
Uninsured Motorist Coverage
Protects you when hit by a driver with no insurance or insufficient coverage. Louisiana has above-average uninsured motorist rates, especially in urban and rural parishes.
Non-Standard Auto Insurance
Policies designed for drivers with DUIs, suspensions, lapses, or multiple violations. Issued by carriers specializing in high-risk profiles when standard insurers decline coverage.
Collision Coverage
Pays for damage to your vehicle after an accident, regardless of fault. Required by lenders if you finance or lease. High-risk drivers often face higher deductibles.
Comprehensive Coverage
Covers theft, vandalism, weather damage, and flooding. Critical in coastal Louisiana parishes with hurricane and severe storm exposure.
