Louisiana SR-22 Insurance & High-Risk Coverage
Louisiana requires 15/30/25 liability coverage and is an at-fault state.
Get Quotes Based on Your RecordLouisiana 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 with DUI convictions, suspended licenses, multiple at-fault accidents, or uninsured violations typically must file SR-22 proof of financial responsibility with the Louisiana Office of Motor Vehicles. These minimums are often insufficient for high-risk drivers, who face higher judgment risk in at-fault accidents and may benefit from coverage above state minimums to protect assets during the SR-22 period.
Liability Insurance
SR-22 Filing
Uninsured/Underinsured Motorist Coverage
Full Coverage (Comprehensive + Collision)
Non-Standard Auto Insurance
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
- Credit score: Louisiana allows credit-based insurance scoring, and poor credit combined with violations can double premiums compared to good credit with the same violation
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Get Quotes Based on Your RecordCoverage Types
SR-22 Insurance
Certificate filed by your insurer proving continuous minimum liability coverage to the Louisiana Office of Motor Vehicles. Required after DUI, suspended license, or uninsured accidents, typically for 3 years. Filing costs $15–$35, but the high-risk policy behind it drives the real cost.
Non-Standard Auto Insurance
Coverage from carriers specializing in high-risk drivers—DUIs, suspensions, multiple violations, or lapses. These insurers offer SR-22 filing and accept profiles standard carriers decline, but charge 40–80% higher premiums and often require larger down payments.
Liability Insurance
Covers injury and property damage you cause to others. Louisiana's 15/30/25 minimums are low relative to average accident costs, leaving high-risk drivers vulnerable to lawsuits. Many drivers opt for 50/100/50 or higher during SR-22 periods.
Uninsured/Underinsured Motorist Coverage
Protects you when hit by a driver with no insurance or insufficient coverage. Not required in Louisiana, but an estimated 11–13% of drivers are uninsured. Adds $15–$40/mo to high-risk policies but covers medical bills and vehicle damage when the at-fault driver can't pay.
Full Coverage
Combines liability, comprehensive, and collision coverage. Required by lenders on financed vehicles and recommended for newer cars or drivers in high-risk weather zones. Costs $300–$500/mo for high-risk drivers in Louisiana compared to $140–$220/mo for clean records.
Collision Coverage
Pays to repair or replace your vehicle after an at-fault accident, regardless of fault. Required by lenders and often paired with comprehensive. High-risk drivers pay $100–$200/mo for collision depending on vehicle value and deductible choice.