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 July 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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3 years continuous
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.
15/30 ($15k per person, $30k per accident)
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.
$25,000 per accident
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.
15/30 (required unless rejected in writing)
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.
State-Mandated Minimum Coverage · Louisiana

Louisiana Minimum Coverage

CoverageMinimum
Bodily Injury (per person)$15,000
Bodily Injury (per accident)$30,000
Property Damage$25,000

License Reinstatement Fee$125

Meeting the state minimum keeps you legal. See whether it's enough — get your Louisiana quote.

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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
City skyline with tall buildings viewed across water with green grass in foreground on clear day

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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