Minimum Coverage Requirements in Louisiana
Louisiana mandates minimum liability coverage of 15/30/25: $15,000 per person for bodily injury, $30,000 per accident for bodily injury, and $25,000 for property damage. Drivers convicted of DUI, driving without insurance, or accumulating excessive violations typically must file SR-22 proof of financial responsibility with the Louisiana Office of Motor Vehicles. These minimums rarely provide adequate protection after an at-fault accident, and many high-risk drivers carry higher limits to avoid policy cancellation or additional suspensions.
How Much Does Car Insurance Cost in Louisiana?
High-risk auto insurance rates in Louisiana are determined by violation type, driving history, age, vehicle, and location. Drivers with a single DUI and no other violations typically pay $200–$350/mo for minimum liability, while drivers with multiple violations or a combination of DUI and at-fault accidents often pay $300–$500/mo or more. Rates begin to decrease after 12 months of continuous coverage and no new violations, with more significant drops at 3 and 5 years post-violation.
What Affects Your Rate
- Violation type: DUI convictions typically result in higher surcharges than speeding tickets or lapses
- Number of violations: a second DUI or multiple at-fault accidents within 3 years can double premiums
- Age and experience: drivers under 25 with violations pay significantly more than drivers over 30 with similar records
- City and ZIP code: urban areas like New Orleans and Baton Rouge have higher rates due to accident frequency and uninsured driver rates
- Credit-based insurance score: Louisiana allows insurers to use credit history, and poor credit combined with violations compounds rate increases
- Vehicle type: high-performance or luxury vehicles cost more to insure for high-risk drivers, even for liability-only policies
See how much your violation actually affects your rates
Not every carrier surcharges the same way. Compare quotes from carriers that rate violations differently.
Get Your Free QuoteCoverage Types
SR-22 Insurance
Certificate of financial responsibility filed by your insurer with the Louisiana Office of Motor Vehicles. Required for DUI, uninsured driving, and serious violations. The filing itself costs $15–$25, but premiums reflect the underlying violation.
Non-Standard Auto Insurance
Policies designed for drivers with violations, lapses, or DUI convictions. Higher down payments (20–40% of premium) and fewer discounts, but rates improve with 12+ months of clean driving.
Liability Insurance
Covers injuries and property damage you cause to others. Louisiana's 15/30/25 minimum is often insufficient after a serious accident, especially for high-risk drivers who cannot afford out-of-pocket payments.
Full Coverage
Liability plus collision and comprehensive. Mandatory if you finance or lease your vehicle. Deductible choices (typically $500–$2,000) directly impact monthly cost.
Uninsured Motorist Coverage
Protects you if you are hit by a driver with no insurance or insufficient limits. Optional in Louisiana but recommended given the state's uninsured driver rate.
Roadside Assistance
Covers towing, battery jumps, lockouts, and flat tires. Optional add-on typically costing $5–$10/mo.
