Restricted License Insurance — Louisiana
Louisiana requires 15/30/25 liability coverage and is an at-fault state.
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Louisiana at a Glance
15/30/25
Minimum liability limits, in thousands of dollars (per person / per accident / property)
At-fault
The at-fault driver's insurance pays for the damage they cause
Optional
PIP and uninsured motorist coverage are not required by law
$125
State license reinstatement fee
Source: state DMV, insurance department and statute records, verified July 2026
Minimum Coverage Requirements in Louisiana
Louisiana operates under a tort liability system — if you cause an accident, your liability coverage pays the other driver's damages up to your policy limits. The Louisiana Office of Motor Vehicles requires proof of financial responsibility at registration and can suspend your license for driving uninsured. Drivers applying for a restricted license after DUI suspension must maintain SR-22 filing for 3 years and install an ignition interlock device before the OMV will issue the restricted license.
Bodily Injury Liability
Property Damage Liability
Uninsured/Underinsured Motorist Coverage
SR-22 Certificate of Financial Responsibility
Ignition Interlock Device Coverage
What Drivers Pay in Louisiana
$260–$508/mo
Typical monthly rate in Louisiana, high-risk drivers after a DUI
Rate data: ValuePenguin and Insurify, 2026
Get Insured on Your Restricted License
Get My Restricted License Insurance QuoteIf your license is suspended
Restricted license (economic/medical hardship, RS 32:415.1)
A restricted license is available while suspended.
A coverage lapse is reported
The state acts on a lapse after 10 days.
Source: state DMV, insurance department and statute records, verified July 2026
Frequently Asked Questions
How long does Louisiana require SR-22 filing after a DUI?
3 years from your conviction date, not your filing date. If you let your SR-22 lapse during that period, the clock resets — you'll owe 3 additional years from the date you file a new SR-22. Louisiana OMV tracks the filing period independently; your insurer cannot shorten it.
Coverage Types
SR-22 Insurance
SR-22 is a certificate your insurer files with the Louisiana OMV proving you carry minimum liability coverage. Required for restricted license issuance after DUI suspension and must be maintained for 3 years.
Non-Owner SR-22 Insurance
Liability-only policy for drivers who don't own a vehicle but need SR-22 filing to maintain restricted license eligibility. Covers you when driving borrowed or rental vehicles.
Uninsured Motorist Coverage
Pays your medical bills and vehicle damage when an at-fault driver has no insurance or insufficient coverage. Must be offered by all Louisiana insurers at the same limits as your liability coverage.
Comprehensive Coverage
Pays for vehicle damage from theft, vandalism, weather, flooding, and animal collisions. Required by lenders if you finance a vehicle.
Collision Coverage
Pays to repair or replace your vehicle after an accident, regardless of who was at fault. Required by lenders and particularly valuable in high-accident metro areas.
Full Coverage Auto Insurance
Combines liability, comprehensive, collision, and uninsured motorist coverage. Provides complete protection and is required by lenders for financed or leased vehicles.