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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

Minimum Coverage Requirements in Louisiana

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.

Liability Insurance

Louisiana's 15/30/25 minimum is among the lowest in the nation and can be exhausted quickly in a serious accident. High-risk drivers face non-renewal if they file a claim that exceeds their limits and cannot pay the difference out of pocket.

SR-22 Certificate

SR-22 is not a type of insurance—it is a certificate filed electronically by your insurer to prove continuous coverage to the Louisiana Office of Motor Vehicles. Most standard carriers will not write SR-22 policies, so you will need a non-standard or high-risk insurer.

Non-Standard Auto Insurance

Non-standard carriers specialize in high-risk profiles including DUI convictions, multiple violations, and lapses in coverage. Rates decrease as you maintain continuous coverage and avoid new violations, with meaningful rate reductions possible after 12–18 months of clean driving.

Full Coverage

Full coverage combines liability, collision, and comprehensive insurance. If you have a loan or lease, your lender will require it regardless of your driving record.

Uninsured/Underinsured Motorist Coverage

UM/UIM coverage protects you if you are hit by a driver with no insurance or insufficient limits. Louisiana does not mandate this coverage, but insurers must offer it, and you must reject it in writing.

What Drivers Pay in Louisiana

$401–$454/mo

Typical monthly rate in Louisiana, drivers after a speeding ticket

Rate data: ValuePenguin and CarInsurance.com, 2026

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
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Coverage 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.

Find Your City in Louisiana

New Orleans

urban

Baton Rouge

urban

Shreveport

urban

Metairie

suburban

Lafayette

suburban

Lake Charles

urban

Kenner

suburban

Monroe

urban