Louisiana DUI & Violation Insurance: What Happens Now

After a DUI, license suspension, or serious violation in Louisiana, your current insurer will likely non-renew your policy at the next renewal date. The state will require you to file an SR-22 certificate for 3 years, and your premium will typically increase 50–150% or more depending on the violation.

Updated April 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.

How Much Does Car Insurance Cost in Louisiana?

Auto insurance rates in Louisiana after a DUI or major violation typically increase 50–150% or more depending on the violation severity, your age, and your prior driving record. A driver with a clean record paying $1,200 per year might see rates jump to $1,800–$3,000 or higher after a DUI. Non-standard carriers in Louisiana vary widely in pricing—some specialize in DUI drivers, others in lapse drivers—so comparing at least 3–5 quotes is critical.

Minimum Liability

State minimum liability (15/30/25) with SR-22 filing. The cheapest legal option, but leaves you exposed to significant out-of-pocket costs if you cause a serious accident.

Standard Liability

Higher liability limits (50/100/50 or 100/300/100) with SR-22 filing. Provides better protection if you cause injury or property damage, and may be required by some courts or employers.

Full Coverage

Liability plus collision and comprehensive coverage with SR-22 filing. Required by lenders if you finance or lease your vehicle. The most expensive option, but protects your own vehicle in addition to liability exposure.

What Affects Your Rate

Violation type: DUI convictions carry the highest surcharges, often 100–150% or more; reckless driving or excessive speeding may add 30–70%; driving without insurance typically adds 50–100%
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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Sources

Louisiana Office of Motor Vehicles: Driver's License Reinstatement Requirements
Louisiana Department of Insurance: Minimum Auto Liability Coverage Standards
Louisiana Revised Statutes Title 32: Motor Vehicles and Traffic Regulation

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