Louisiana SR-22 Insurance After Your Requirement Ends
Louisiana requires 15/30/25 liability coverage and is an at-fault state.
Find Affordable Coverage After SR-22Louisiana 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
$125
State license reinstatement fee
Source: state DMV, insurance department and statute records, verified July 2026
Minimum Coverage Requirements in Louisiana
Drivers convicted of DUI, driving without insurance, or causing an at-fault accident while uninsured typically face a 3-year SR-22 filing requirement imposed by the Louisiana Office of Motor Vehicles. The SR-22 itself is not insurance—it's a certificate your insurer files electronically to prove continuous coverage. If your policy lapses for any reason during the requirement period, your insurer notifies the OMV within 24 hours and your license is suspended until you reinstate coverage and pay reinstatement fees.
Liability Insurance
Uninsured Motorist Coverage
Full Coverage
Comprehensive Coverage
SR-22 Insurance
What Drivers Pay in Louisiana
$260–$508/mo
Typical monthly rate in Louisiana, high-risk drivers after a DUI
Rate data: ValuePenguin and Insurify, 2026
What Affects Your Rate
- Time since SR-22 release: carriers weigh the first 12 months heavily, with additional rate reductions at 18, 24, and 36 months
- Original violation type: DUI violations take 5+ years to reach clean-record rates; lapse-related SR-22s recover in 3 years
- Claims during SR-22 period: even one at-fault claim during your filing period extends high-risk pricing by 2–3 years
- Vehicle type: older vehicles with liability-only coverage qualify for standard markets faster than newer financed vehicles requiring full coverage
Your SR-22 Is Over. Your Rate Should Drop Too
Find Affordable Coverage After SR-22If your license is suspended
Restricted license (economic/medical hardship, RS 32:415.1)
A restricted license is available while suspended.
A coverage lapse is reported
The state acts on a lapse after 10 days.
Source: state DMV, insurance department and statute records, verified July 2026
Coverage Types
Liability Insurance
Pays for injuries and property damage you cause to others. Louisiana requires 15/30/25, but post-SR22 drivers moving to standard carriers should request 50/100/50 or higher to qualify for better underwriting tiers.
Uninsured Motorist Coverage
Protects you if you're hit by a driver with no insurance or insufficient coverage. Louisiana does not require this coverage, but approximately 12% of state drivers are uninsured.
Full Coverage
Combines liability, comprehensive, and collision. Required by lenders and lessors, and essential if your vehicle is worth more than $5,000 and you depend on it for work or family obligations.
Comprehensive Coverage
Covers theft, vandalism, weather damage, and animal strikes. Louisiana's hurricane risk and frequent severe storms make comprehensive valuable even if your vehicle is older.
Collision Coverage
Pays to repair or replace your vehicle after an at-fault accident. Collision is typically the most expensive component of full coverage, and deductible choice has significant impact on premium.
SR-22 Insurance
SR-22 is not insurance—it's a certificate your insurer files with the Louisiana Office of Motor Vehicles to prove you carry continuous liability coverage. Once your requirement ends, you request removal and begin shopping for standard rates.