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Louisiana Auto Insurance After a DUI or Violation

Your current insurer will likely non-renew your policy after a Louisiana DUI or serious violation. The state typically requires SR-22 filing for 3 years, and your premium will increase 50-150% depending on the offense. Most drivers need to switch to a non-standard carrier that accepts high-risk profiles.

Louisiana cityscape and street view

Updated April 2026

Minimum Coverage Requirements in Louisiana

After a DUI or serious violation in Louisiana, your current insurance carrier will typically send a non-renewal notice rather than cancel your policy immediately—meaning you have until your policy term ends to find replacement coverage, but you cannot renew. Most standard carriers will not offer renewal to drivers with recent DUIs, suspensions, or multiple violations. Louisiana typically requires you to carry SR-22 filing for three years following certain offenses, and you'll need to find a non-standard carrier willing to insure high-risk drivers and file the required proof of coverage with the state.

How Much Does Car Insurance Cost in Louisiana?

Louisiana drivers with a DUI or serious violation typically see premiums increase 50-150% compared to their previous rates, depending on the offense severity and their age. For senior drivers, the base rate is often lower due to age-based discounts, but the violation surcharge applies regardless of age. A DUI typically carries the highest increase, while multiple speeding tickets or a single reckless driving charge may result in more moderate but still substantial rate hikes.

Minimum Liability Only
State minimum liability (15/30/25) with SR-22 filing for a senior driver with a recent DUI or serious violation. This is the cheapest legal option but provides minimal protection—any at-fault accident will likely exceed these limits, leaving you personally liable for the difference.
Standard Liability
Higher liability limits (50/100/50 or 100/300/100) with SR-22 filing. This provides better protection if you cause a serious accident and is often recommended for older drivers with assets to protect—medical bills from accidents involving seniors can quickly exceed minimum limits.
Full Coverage
Comprehensive and collision coverage added to higher liability limits with SR-22 filing. Required if your vehicle is financed. For senior drivers with paid-off vehicles worth less than $5,000-$7,000, the annual cost of full coverage may exceed the vehicle's replacement value—consider liability-only if you own your car outright.

What Affects Your Rate

  • Violation type and severity—DUI typically increases rates 80-150%, reckless driving 50-100%, multiple speeding tickets 30-60%
  • Age and driving history—senior drivers with otherwise clean records may see smaller increases than younger drivers with the same violation
  • Credit score—Louisiana insurers typically use credit-based insurance scores, and a violation combined with poor credit can compound rate increases
  • Coverage level selected—choosing state minimum vs. higher limits can save $50-$100 monthly but leaves you exposed in serious accidents
  • Carrier availability—fewer carriers compete for high-risk business in Louisiana, limiting your ability to shop for lower rates
  • Urban vs. rural location—New Orleans and Baton Rouge drivers typically pay 20-40% more than rural Louisiana drivers due to higher accident and theft rates

Compare Auto Insurance Rates in Louisiana

Find Your City in Louisiana

St. Louis Cathedral in Jackson Square, New Orleans at night with American flag and historic buildings illuminated

New Orleans

urban
Steel truss bridge over river at sunset with barge passing underneath and city skyline in background

Baton Rouge

urban
Shreveport, Louisiana cityscape and street view

Shreveport

urban
Stone memorial bench in peaceful park setting surrounded by green trees and grass

Metairie

suburban
City skyline with tall buildings viewed across water with green grass in foreground on clear day

Lafayette

suburban
Aerial view of sandy beach at sunset with forest on one side and ocean on the other

Lake Charles

urban
Peaceful river scene at sunset with pink sky and green trees reflected in calm water

Kenner

suburban
City skyline with tall buildings viewed across water from grassy waterfront area on clear day

Monroe

urban

Sources

  • Louisiana Department of Public Safety and Corrections - Office of Motor Vehicles licensing requirements
  • Louisiana Revised Statutes Title 32 - Motor Vehicles and Traffic Regulation
  • National Association of Insurance Commissioners - SR-22 filing requirements by state

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