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
Compare rates from carriers that work with drivers who have points
Standard carriers surcharge heavily after violations. These specialists price your specific record differently.
Get Your Free QuoteCoverage 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.
