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Louisiana Auto Insurance After a DUI or Violation

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

70

Age when license renewal rules change, with a vision test at renewal

Source: state DMV, insurance department and statute records, verified July 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.

SR-22 Filing

SR-22 is not a type of insurance—it is a certificate your insurer files with Louisiana proving you carry the required minimum liability coverage. Not all carriers offer SR-22 filing; you'll need a non-standard insurer that specializes in high-risk drivers.

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 significantly higher premiums than standard insurers because they accept drivers that mainstream companies will not insure. Most Louisiana drivers with a recent DUI or suspension will need to obtain coverage from a non-standard carrier to meet state requirements.

Liability Insurance

Liability coverage pays for injuries and property damage you cause to others in an accident. If you're required to carry SR-22 filing, you must maintain at least these minimum liability limits continuously—any lapse will restart your filing period and may result in license suspension.

Comprehensive and Collision Coverage

Comprehensive and collision coverage protect your own vehicle from damage. While not required by Louisiana, your lender will require both if your vehicle isn't paid off. For older drivers with paid-off vehicles, consider whether the combined premium cost exceeds your vehicle's value—many seniors drop these coverages on older cars to reduce the already-elevated rates following a violation.

Uninsured/Underinsured Motorist Coverage

This coverage protects you if you're hit by a driver with no insurance or inadequate coverage—a common scenario in Louisiana. While it adds to your premium, it provides critical financial protection for medical bills and vehicle damage when the at-fault driver cannot pay. For senior drivers on fixed incomes, this coverage can prevent catastrophic out-of-pocket expenses after an accident not your fault.

What Drivers Pay in Louisiana

$250–$322/mo

Typical monthly rate in Louisiana, drivers 65 and over

Rate data: MoneyGeek and Insure.com, 2026

What Affects Your Rate

  • 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
  • Carrier availability—fewer carriers compete for high-risk business in Louisiana, limiting your ability to shop for lower rates
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Mature-driver discount

Required by state law

La. R.S. 22:1457 (55+, actuarially justified reduction, no fixed floor)

Source: state statutes and insurance departments, verified July 2026

Coverage Types

High-Risk Auto Insurance

Coverage designed for drivers with DUIs, suspensions, violations, or lapses who cannot obtain standard insurance. High-risk policies cost significantly more but are often the only legal option for Louisiana drivers who need SR-22 filing.

Non-Standard Auto Insurance

Policies from carriers that accept drivers rejected by mainstream insurers due to violations, accidents, or coverage gaps. Non-standard carriers charge higher premiums but provide the required SR-22 filing most violation drivers need.

SR-22 Insurance

Not a separate insurance type but a filing requirement—your insurer submits proof of continuous coverage to the state. You need a carrier that offers SR-22 filing, maintains it for the required period, and notifies you before any lapse.

Liability Insurance

Covers injuries and property damage you cause to others. Required by Louisiana and the minimum coverage needed for SR-22 filing, though higher limits are recommended for senior drivers with assets to protect.

Comprehensive Coverage

Protects your vehicle from theft, vandalism, weather, and animal strikes. Optional unless your vehicle is financed, but may not be cost-effective for older vehicles given the already-elevated rates after a violation.

Medical Payments Coverage

Pays medical bills for you and your passengers after an accident, regardless of fault. For seniors on Medicare, this coverage supplements Medicare by covering deductibles, copays, and services Medicare doesn't pay.

Find Your City in Louisiana

New Orleans

urban

Baton Rouge

urban

Shreveport

urban

Metairie

suburban

Lafayette

suburban

Lake Charles

urban

Kenner

suburban

Monroe

urban