Louisiana SR-22 & High-Risk Auto Insurance
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
Source: state DMV, insurance department and statute records, verified July 2026
State Requirements
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.
Liability Insurance
SR-22 Insurance
Uninsured Motorist Coverage
Full Coverage
Non-Standard Auto Insurance
Cost Overview
$401–$454/mo
Typical monthly rate in Louisiana, drivers after a speeding ticket
Rate data: ValuePenguin and CarInsurance.com, 2026
What Affects Your Rate
- 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
Find the Insurers That Still Want Your Business
See Carriers That Cover YouFrequently Asked Questions
How long does SR-22 insurance last in Louisiana?
Louisiana requires SR-22 filing for 3 years from the date your insurer files the certificate with the Office of Motor Vehicles. You must maintain continuous coverage without any lapses during this period, or your license will be suspended and the 3-year requirement may restart. After 3 years, your insurer stops filing the SR-22 and your rates typically decrease as the violation ages off your record.
How long do points stay on my license in Louisiana?
Points remain on your Louisiana driving record for 3 years from the date of conviction. After 3 years, points drop off and no longer count toward the 12-point suspension threshold, though the underlying conviction may remain visible on your record longer. Insurance companies typically stop surcharging for violations after 3 years, reducing your rates as points age off.
Coverage Types
Liability Insurance
Covers injuries and property damage you cause to others in an at-fault accident. Louisiana's 15/30/25 minimums may not fully cover serious accidents, leaving you personally liable for the difference.
SR-22 Insurance
Certificate of financial responsibility filed by your insurer with the Louisiana OMV proving you carry required coverage. Required for 3 years following DUI, license suspension, or driving without insurance.
Full Coverage
Combines liability, collision, and comprehensive coverage to protect both your liability and your own vehicle. Required by lenders if you finance or lease.
Uninsured Motorist Coverage
Covers your injuries and damages if you're hit by a driver without insurance. Louisiana requires insurers to offer this coverage matching your liability limits.
Non-Standard Auto Insurance
Specialized coverage for drivers with DUIs, SR-22 requirements, suspensions, or multiple violations who cannot obtain standard insurance. Costs 40–80% more than standard rates but provides necessary legal coverage.
Collision Coverage
Pays to repair or replace your vehicle after an accident regardless of fault. Required by lenders and particularly expensive for high-risk drivers due to increased likelihood of future claims.