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
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
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.
