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.
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
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Get Your Free QuoteCoverage 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.
