Minimum Coverage Requirements in Louisiana
Louisiana requires minimum liability coverage of 15/30/25: $15,000 bodily injury per person, $30,000 per accident, and $25,000 property damage. 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.
How Much Does Car Insurance Cost in Louisiana?
Post-SR22 drivers in Louisiana see immediate rate reductions once the filing requirement ends, but full recovery to clean-record pricing takes 3–5 years. In the first 12 months after SR-22 release, rates typically drop 30–50% as standard carriers begin competing for your business. The size of the drop depends on the original violation, your claims history during the SR-22 period, and how aggressively you shop.
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
- Credit-based insurance score: Louisiana allows credit scoring, and post-SR22 drivers with improved credit see 15–30% larger rate drops than those with declining scores
- Vehicle type: older vehicles with liability-only coverage qualify for standard markets faster than newer financed vehicles requiring full coverage
- Annual mileage and garaging zip: urban drivers in New Orleans and Baton Rouge pay 20–40% more than rural drivers even after SR-22 release due to theft and uninsured motorist rates
Your SR-22 period is ending — you can access standard rates again
Most drivers see significant savings when they transition off SR-22. Compare current rates now.
Get Your Free QuoteCoverage 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.
