Louisiana DUI SR-22 Insurance After Conviction

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. 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.

Covers medical bills, lost wages, and pain-and-suffering claims when you injure someone in an at-fault accident. 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.

Pays for vehicle and property damage you cause to others. Non-standard carriers writing post-DUI policies sometimes offer only the state minimum for the first policy term.

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. UM coverage protects you when an at-fault driver has no insurance or insufficient limits to cover your injuries.