Updated April 2026
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. 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.
How Much Does Car Insurance Cost in Louisiana?
Post-SR22 insurance rates in Louisiana are driven by how long it has been since your filing requirement ended, the original violation type, your age, and your location. Drivers who just completed their 3-year SR-22 period typically pay $145–$285/mo for minimum liability coverage, compared to $85–$140/mo for drivers with clean records. Rates drop most sharply in the first 6 months after SR-22 ends, then continue to decline gradually over the next 2–4 years.
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
- Choice of carrier — some insurers specialize in post-SR22 drivers and may offer rates 20–40% lower than standard carriers who view you as high-risk indefinitely
- Annual mileage and vehicle type — lower mileage and safer vehicles can offset some of the post-SR22 rate increase
Compare Auto Insurance Rates in Louisiana
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Sources
- Louisiana Department of Public Safety and Corrections - Office of Motor Vehicles
- Louisiana Department of Insurance
- Industry rate data for high-risk driver profiles in Louisiana