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. SR-22 filing is typically required after a DUI, driving without insurance, accumulating excessive violations, or being involved in an at-fault accident while uninsured. Points accumulate toward a 12-point suspension threshold, with most moving violations adding 2–4 points that remain on your record for 3 years from the conviction date.
How Much Does Car Insurance Cost in Louisiana?
High-risk auto insurance rates in Louisiana typically range from $200–$400/mo ($2,400–$4,800/year) for liability-only coverage, with significant variation based on violation type, age, location, and vehicle. DUI convictions carry the steepest surcharges — often doubling or tripling premiums for 3–5 years — while at-fault accidents and speeding tickets typically increase rates by 30–80% for 3 years from the violation date. Non-standard carriers are often the only option immediately after a major violation, but shopping annually as your record improves is the fastest path to rate recovery.
What Affects Your Rate
- Violation type and severity: DUI convictions carry the highest surcharges, often 150–250% increases for 3–5 years
- Time since violation: Most surcharges decrease after 3 years and fall off entirely after 5 years
- SR-22 filing requirement: Adds 20–50% to premiums on top of the underlying violation surcharge
- Geographic location: Urban parishes like Orleans and East Baton Rouge have higher base rates due to accident frequency and uninsured driver rates
- Age and driving experience: Drivers under 25 with violations face compounded surcharges, often 200–300% higher than mature drivers with similar records
- Prior insurance history: A lapse in coverage before a violation can trigger assigned risk placement, where rates are often 50–100% higher than non-standard voluntary market rates
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
Liability Insurance
Covers injuries and property damage you cause to others. Louisiana's 15/30/25 minimums are often insufficient after a serious accident, leaving you personally liable for the excess.
Full Coverage
Combines liability with comprehensive and collision to protect your vehicle. Required by lenders, and collision premiums increase sharply after an at-fault accident.
SR-22 Insurance
A certificate proving you carry minimum liability coverage, filed directly with the Louisiana OMV. Required after DUI, uninsured accidents, or serious violations.
Non-Standard Auto Insurance
Coverage for drivers who don't qualify for standard carriers due to violations, lapses, or SR-22 requirements. Rates are higher but decrease as your record improves.
Uninsured Motorist Coverage
Pays for your injuries and vehicle damage when an at-fault driver has no insurance. Not required in Louisiana, but insurers must offer it.
Collision Coverage
Pays to repair or replace your vehicle after an accident, regardless of fault. Premiums increase 50–150% for high-risk drivers after an at-fault claim.
