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Louisiana SR-22 & High-Risk Auto Insurance

Louisiana requires SR-22 filing for DUI convictions, license suspensions, and uninsured accidents. The filing typically lasts 3 years and costs $15–$25 to file, but high-risk premiums average $200–$400/mo depending on violation type and driving history.

Louisiana cityscape and street view

Updated April 2026

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.

Minimum Liability (15/30/25)
State-minimum coverage for high-risk drivers with SR-22 filing. Rates vary widely based on violation type—DUI convictions typically cost more than license suspensions for unpaid tickets.
Standard Liability (50/100/50)
Increased liability limits recommended for drivers with assets to protect or who need additional coverage to avoid non-renewal. Adds $30–$75/mo over state minimums.
Full Coverage (Liability + Comp + Collision)
Required for financed or leased vehicles. Rates depend heavily on vehicle value, deductible, and whether you have collision claims in addition to violations.

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

Compare Auto Insurance Rates in Louisiana

Find Your City in Louisiana

St. Louis Cathedral in Jackson Square, New Orleans at night with American flag and historic buildings illuminated

New Orleans

urban
Steel truss bridge over river at sunset with barge passing underneath and city skyline in background

Baton Rouge

urban
Shreveport, Louisiana cityscape and street view

Shreveport

urban
Stone memorial bench in peaceful park setting surrounded by green trees and grass

Metairie

suburban
City skyline with tall buildings viewed across water with green grass in foreground on clear day

Lafayette

suburban
Aerial view of sandy beach at sunset with forest on one side and ocean on the other

Lake Charles

urban
Peaceful river scene at sunset with pink sky and green trees reflected in calm water

Kenner

suburban
City skyline with tall buildings viewed across water from grassy waterfront area on clear day

Monroe

urban

Sources

  • Louisiana Office of Motor Vehicles — SR-22 filing requirements and reinstatement procedures
  • Louisiana Department of Insurance — minimum coverage requirements and consumer guidance
  • Louisiana Revised Statutes Title 32 — motor vehicle and traffic regulations

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