SR-22 After DUI
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Louisiana DUI SR-22 Insurance After Conviction

Louisiana requires SR-22 filing with 15/30/25 minimum liability coverage after DUI conviction. Expect $145–$210/mo in the non-standard market, as most mainstream carriers non-renew at policy term. Filing period starts the day your license is reinstated, not your conviction date.

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Non-Standard Auto · SR-22 · Senior · Teen Drivers

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Updated May 2026

Minimum Coverage Requirements in Louisiana

Louisiana operates under a tort-based liability system, requiring drivers to carry proof of insurance at all times. After a DUI conviction, the Louisiana Office of Motor Vehicles mandates SR-22 filing for 3 years beginning the day your license is reinstated, not your conviction date. The filing must remain continuous — any lapse resets the full 3-year period and triggers immediate suspension.

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SR-22 Certificate Filing
The SR-22 is not insurance — it is a certificate your carrier files electronically with the Louisiana Office of Motor Vehicles proving you maintain at least 15/30/25 liability coverage. Your carrier charges $15–$35 to file the initial form and monitors your policy status. If you cancel, miss a payment, or let coverage lapse for any reason, your carrier notifies the state within 24 hours and your license is suspended immediately. Most mainstream carriers will file SR-22 for existing customers but non-renew at your 6-month or annual term, forcing you into the non-standard market where acceptance varies by conviction class.
Bodily Injury Liability
Covers medical bills, lost wages, and pain-and-suffering claims when you injure someone in an at-fault accident. Louisiana's 15/30 minimum is the lowest tier nationally — one serious injury easily exceeds $15,000, leaving you personally liable for the difference. After DUI conviction, carriers assume elevated risk and price accordingly. Standard advice is to carry at least 50/100 if you have assets to protect, but non-standard carriers often cap bodily injury at 25/50 for first 12 months post-conviction.
Property Damage Liability
Pays for vehicle and property damage you cause to others. Louisiana's $25,000 minimum covers most single-vehicle accidents but falls short in multi-car pileups or when you strike commercial vehicles or infrastructure. Non-standard carriers writing post-DUI policies sometimes offer only the state minimum for the first policy term. If you finance a vehicle, your lender will require collision and comprehensive on top of liability, pushing total premiums to $220–$340/mo range.
Uninsured Motorist Coverage
Louisiana mandates uninsured motorist coverage at the same limits as your liability unless you reject it in writing at policy inception. Verbal rejection does not count — if the signed rejection form is not in your file, the carrier adds UM coverage automatically and charges for it. Roughly 13% of Louisiana drivers are uninsured, concentrated in New Orleans and Baton Rouge metro areas. UM coverage protects you when an at-fault driver has no insurance or insufficient limits to cover your injuries.

How Much Does Car Insurance Cost in Louisiana?

Louisiana SR-22 rates after DUI conviction depend on conviction class, prior violations, and whether you own a vehicle. First-offense standard DUI convictions see rates 70–110% higher than pre-conviction. Aggravated DUI (BAC over 0.15, minor in vehicle, injury, or property damage) and repeat-offense convictions push you into assigned-risk territory where carriers cap coverage options and charge maximum allowable rates.

What Affects Your Rate

  • Conviction class drives tier placement — first-offense standard DUI qualifies for standard non-standard market rates, while aggravated or repeat-offense convictions push you into specialty high-risk carriers charging 40–60% more.
  • BAC level at arrest affects pricing even within first-offense DUI — BAC 0.08–0.14 receives baseline pricing, while 0.15+ is classified aggravated and costs 25–40% more to insure in Louisiana.
  • New Orleans and Baton Rouge zip codes add 15–30% to SR-22 premiums due to higher uninsured motorist rates and collision frequency compared to rural parishes.
  • Payment plan structure matters — paying 6 months upfront saves 8–12% annually compared to monthly installments, but non-standard carriers require down payments of 25–35% of the 6-month premium.
  • License suspension length affects tier assignment — suspensions under 90 days typically stay in standard non-standard pricing, while 12+ month suspensions trigger underwriting reviews and higher rates.
  • Stacked violations compound exponentially — DUI plus reckless driving or DUI plus at-fault accident within 36 months can double base SR-22 rates or result in declination from all but assigned-risk carriers.
Minimum SR-22 Coverage
$145–$185/mo
State minimum 15/30/25 liability with SR-22 filing. Non-owner SR-22 policies for drivers without a vehicle run $40–$75/mo. This tier satisfies reinstatement but leaves you financially exposed in any serious accident.
Standard SR-22 Coverage
$175–$230/mo
Elevated liability limits (25/50/25 or 50/100/50) with uninsured motorist coverage. Most non-standard carriers price this tier for first-offense standard DUI with clean record otherwise. Rates drop 15–25% after 12 months of continuous coverage with no new violations.
Full SR-22 Coverage
$240–$340/mo
Higher liability limits (100/300/100), comprehensive, collision, and rental reimbursement. Required if you finance or lease a vehicle. Repeat-offense DUI or aggravated DUI convictions often cannot access this tier for the first 24 months — carriers cap you at liability-only until you demonstrate stable payment and no new violations.

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Coverage Types

SR-22 Insurance

Certificate filed by your carrier proving continuous liability coverage to the Louisiana Office of Motor Vehicles. Required for 3 years after DUI conviction, starting the day your license is reinstated.

Non-Owner SR-22

Liability-only policy for drivers who do not own a vehicle but need SR-22 filing to reinstate their license. Covers you when driving borrowed or rental vehicles.

Liability Insurance

Covers bodily injury and property damage you cause to others. Louisiana requires 15/30/25 minimums, but this leaves significant personal liability exposure after any moderate accident.

Uninsured Motorist Coverage

Pays your medical bills and vehicle damage when an at-fault driver has no insurance or insufficient coverage. Louisiana requires UM at the same limits as your liability unless you reject it in writing.

Non-Standard Auto Insurance

Policies written for high-risk drivers by carriers specializing in DUI, suspended license, and violation histories. Mainstream carriers non-renew most DUI policyholders at term.

Find Your City in Louisiana

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New Orleans

urban
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Baton Rouge

urban
Shreveport, Louisiana cityscape and street view

Shreveport

urban
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Metairie

suburban
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Lafayette

suburban
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Lake Charles

urban
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Kenner

suburban
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Monroe

urban

Frequently Asked Questions

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