Updated April 2026
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 Auto Insurance Rates in Louisiana
Find Your City in Louisiana
Sources
- Louisiana Office of Motor Vehicles — SR-22 and Financial Responsibility Requirements
- Louisiana Department of Insurance — Minimum Auto Insurance Coverage Standards
- Louisiana Revised Statutes Title 32 — Motor Vehicles and Traffic Regulation