Louisiana SR-22 Insurance After Requirement Ends
Louisiana requires 15/30/25 liability coverage and is an at-fault state.
Compare Rates 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
SR-22 filing is triggered by DUI convictions, accumulating too many points, driving without insurance, or license suspension. The filing requirement typically lasts 3 years from the reinstatement date. For drivers who have recently completed their SR-22 period, understanding these minimums helps contextualize why post-SR22 rates remain elevated even after the filing ends.
Liability Insurance
Full Coverage
Uninsured Motorist 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 filing ended — drivers see the steepest rate drop in the first 6 months, with additional decreases at 1-year, 2-year, and 3-year marks
- Original violation type — DUI violations typically result in higher post-SR22 rates than suspension for points or failure to maintain insurance
- Current driving record — any new violations or at-fault accidents during the post-SR22 period will significantly extend the rate recovery timeline
- Location within Louisiana — urban areas like New Orleans and Baton Rouge have higher base rates due to accident frequency and theft, affecting post-SR22 premiums
- Annual mileage and vehicle type — lower mileage and safer vehicles can offset some of the post-SR22 rate increase
Shop Again Now That Your Filing Has Ended
Compare Rates 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
Covers injuries and property damage you cause to others. Louisiana's 15/30/25 minimums are low, and post-SR22 drivers often benefit from higher limits to avoid personal liability in a serious accident.
Full Coverage
Combines liability, comprehensive, and collision. Required by lenders and lessors, and the most expensive tier for post-SR22 drivers due to the added vehicle coverage.
Uninsured Motorist Coverage
Pays for your injuries and damages when hit by an uninsured or underinsured driver. Optional in Louisiana but recommended given the state's uninsured driver rate.
Comprehensive Coverage
Covers non-collision damage to your vehicle: theft, weather, vandalism, animals. Particularly relevant in Louisiana due to Gulf Coast weather exposure.
SR-22 Insurance
SR-22 is a state-filed certificate proving you carry insurance, not a separate policy. Once your 3-year filing period ends, the SR-22 is removed but your rates remain elevated until you shop and switch carriers.
Non-Standard Auto Insurance
Coverage from carriers that specialize in high-risk and post-SR22 drivers. Non-standard insurers often offer lower rates than standard carriers for drivers in the first 1–2 years after SR-22 ends.