Updated March 2026
State Requirements
Louisiana requires minimum liability coverage of $15,000 per person for bodily injury, $30,000 per accident for bodily injury, and $25,000 for property damage (15/30/25). SR-22 filing is required for DUI convictions, driving without insurance, license suspensions due to accumulating 12 or more points within 12 months, and at-fault accidents while uninsured. Drivers with points from standard violations like speeding tickets or single at-fault accidents typically do not need SR-22 but will see rate increases that persist until points fall off after 3 years.
Cost Overview
High-risk auto insurance in Louisiana costs $2,200–$4,600 annually depending on violation type, driving history, and coverage level—roughly 50–120% more than rates for clean-record drivers. DUI convictions and SR-22 filings produce the highest rate increases, while single at-fault accidents or speeding tickets result in smaller but still significant premium jumps. Rates decrease as violations age off your record, with most carriers reducing surcharges after 3 years once points drop.
What Affects Your Rate
- Violation type: DUI convictions increase rates 80–140%, at-fault accidents 40–70%, speeding tickets 15–30%
- SR-22 filing status: adds $800–$1,500 annually on top of violation-related increases
- Time since violation: surcharges decrease annually and typically drop off entirely after 3 years
- Points on license: Louisiana suspends licenses at 12 points in 12 months; carriers increase rates progressively as points accumulate
- ZIP code: urban areas like New Orleans and Baton Rouge have higher rates due to accident frequency and uninsured driver rates
- Credit score: Louisiana allows credit-based insurance scoring, which significantly affects high-risk premiums
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Frequently Asked Questions
Sources
- Louisiana Office of Motor Vehicles — SR-22 and Financial Responsibility Requirements
- Louisiana Department of Insurance — Minimum Coverage Standards
- Louisiana Revised Statutes Title 32 — Motor Vehicles and Traffic Regulation