Minimum Coverage Requirements in Louisiana
Louisiana requires 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 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.
How Much Does Car Insurance Cost in Louisiana?
High-risk insurance in Louisiana costs significantly more than standard coverage due to violation type, filing requirements, and limited carrier competition. A DUI conviction typically increases premiums by 120–180%, while suspended license violations add 80–140%. Rates vary widely based on location—New Orleans and Baton Rouge drivers pay 20–35% more than rural parishes due to higher accident frequency, theft rates, and uninsured driver concentrations.
What Affects Your Rate
- Violation type: DUI convictions cause the highest rate increases (120–180%), followed by suspended license (80–140%) and at-fault accidents without insurance (60–120%)
- SR-22 filing requirement: adds $15–$35 upfront plus signals high-risk status, which increases base premiums
- Location: urban parishes like Orleans, East Baton Rouge, and Jefferson see rates 20–35% higher than rural areas due to accident density and uninsured driver rates
- 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
- Vehicle type: financed or high-value vehicles requiring full coverage during SR-22 period increase premiums by $80–$200/mo compared to minimum liability on older paid-off cars
- Carrier type: non-standard insurers may charge 40–80% more than standard carriers but are often the only option for drivers with multiple violations or recent DUI convictions
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
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.
