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.
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
See how much your violation actually affects your rates
Not every carrier surcharges the same way. Compare quotes from carriers that rate violations differently.
Get Your Free QuoteCoverage 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.
