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Louisiana DUI & Violation Insurance: What Happens Now

Louisiana requires 15/30/25 liability coverage and is an at-fault state.

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Louisiana 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

After a DUI or major violation in Louisiana, your current auto insurance carrier will typically send a non-renewal notice at your next policy renewal date—they will not cancel your existing policy mid-term unless you had a lapse or misrepresented information. The Louisiana Office of Motor Vehicles will require you to file an SR-22 certificate proving you carry minimum liability coverage, and you must maintain that filing without interruption for the duration specified by the state. Most standard insurers do not offer SR-22 filings, so you will likely need to switch to a non-standard or high-risk carrier.

SR-22 Certificate

SR-22 is not a type of insurance—it is a certificate your insurer files electronically with the Louisiana Office of Motor Vehicles proving you carry at least the state minimum liability coverage (15/30/25). Not all carriers offer SR-22 filings; you will need to work with an insurer licensed to file in Louisiana. If your SR-22 lapses for any reason during the required filing period, the state will suspend your license again.

Non-Standard Auto Insurance

Non-standard auto insurance is coverage sold by carriers that specialize in high-risk drivers—those with DUIs, violations, lapses, or suspensions on their record. These carriers charge higher premiums than standard insurers because they assume more risk. Most drivers with a recent DUI or major violation in Louisiana will need to use a non-standard carrier for at least the first 1–3 years after the violation.

High-Risk Auto Insurance

High-risk auto insurance is the broadest category of coverage for drivers with violations, DUIs, suspensions, or multiple accidents. It includes both non-standard carriers and specialty programs offered by a few standard carriers. Rates are significantly higher than standard policies, but coverage options—collision, comprehensive, uninsured motorist—are typically the same.

Liability Insurance

Liability coverage pays for injury and property damage you cause to others in an at-fault accident. If you are required to file an SR-22, you must carry at least these minimums continuously for the entire filing period.

Comprehensive Coverage

Comprehensive coverage pays for damage to your vehicle from non-collision events—theft, vandalism, hail, flooding. It is not required by Louisiana for SR-22 compliance, but lenders require it if you finance or lease your vehicle. Rates for comprehensive coverage are typically higher for high-risk drivers due to overall risk profile.

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

  • Time since violation: Rates begin to decrease after 3 years and return closer to standard after 5 years, assuming no new violations
  • Age and experience: Drivers under 25 with a DUI in Louisiana may pay 2–3 times more than drivers over 30 with the same violation
  • Location within Louisiana: Urban areas like New Orleans, Baton Rouge, and Shreveport typically have higher base rates due to higher accident frequency and uninsured driver rates; rural parishes may see lower premiums
  • Prior driving record: A first-offense DUI with an otherwise clean record will cost less than a DUI combined with prior at-fault accidents or speeding tickets
  • Carrier availability: Not all non-standard carriers operate statewide in Louisiana; some serve only specific parishes or metro areas, limiting your options depending on ZIP code
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Coverage Types

High-Risk Auto Insurance

Coverage designed for drivers with DUIs, major violations, suspensions, or multiple accidents. Offered by non-standard carriers and a few specialty programs from standard insurers.

Non-Standard Auto Insurance

Auto insurance from carriers that specialize in drivers with lapses, violations, or poor credit. Premiums are higher than standard policies, but underwriting is more flexible.

SR-22 Insurance

Not a separate policy—SR-22 is a certificate your insurer files with the state proving you carry the required liability coverage. You need a policy first, then the SR-22 filing is added.

Liability Insurance

Covers injury and property damage you cause to others in an at-fault accident. Required by Louisiana law and the foundation of any SR-22 filing.

Find Your City in Louisiana

New Orleans

urban

Baton Rouge

urban

Shreveport

urban

Metairie

suburban

Lafayette

suburban

Lake Charles

urban

Kenner

suburban

Monroe

urban