Restricted License Insurance
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Restricted License Insurance — Louisiana

Louisiana requires 15/30/25 minimum liability coverage — $15,000 per person, $30,000 per accident for bodily injury, $25,000 for property damage. If you're applying for a hardship license after a DUI suspension, you'll need SR-22 filing and ignition interlock device coverage before the Louisiana Office of Motor Vehicles will process your application.

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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 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.

Louisiana cityscape and street view
15/30 ($15,000 per person, $30,000 per accident)
Bodily Injury Liability
Pays medical bills, lost wages, and legal fees for people injured in an accident you cause. Louisiana's $15,000-per-person minimum covers less than most emergency room visits — a single severe injury claim can exceed this limit in hours. If you're applying for a restricted license, your insurer must file SR-22 proof of this coverage with the Louisiana OMV before your license can be processed.
$25,000
Property Damage Liability
Pays for damage you cause to another vehicle, building, or property. $25,000 covers most sedan repairs but falls short for multi-vehicle accidents or high-value vehicles common in Louisiana metro areas. Restricted license applicants cannot reduce this coverage below state minimums while SR-22 filing is active — your insurer will cancel your SR-22 if you drop coverage, triggering immediate license re-suspension.
Must be offered; can be rejected in writing
Uninsured/Underinsured Motorist Coverage
Pays your medical bills and vehicle damage when the at-fault driver has no insurance or insufficient coverage. Louisiana law requires insurers to offer UM/UIM at the same limits as your liability coverage — you can reject it, but only by signing a written waiver at policy inception; verbal rejection doesn't count. Approximately 13% of Louisiana drivers are uninsured, one of the highest rates in the South.
Required for 3 years after DUI or suspension
SR-22 Certificate of Financial Responsibility
SR-22 is not insurance — it's a filing your insurer submits to the Louisiana OMV proving you carry at least minimum liability coverage. The OMV requires SR-22 for restricted license issuance after DUI suspension, and your insurer must maintain the filing for 3 years from your conviction date. If you miss a payment or cancel your policy, your insurer notifies the OMV within 10 days and your restricted license is suspended immediately.
Required for restricted license after DUI
Ignition Interlock Device Coverage
Louisiana law requires ignition interlock installation before the OMV will issue a restricted license after DUI suspension. Your auto insurance policy must cover a vehicle equipped with an IID — some insurers exclude IID-equipped vehicles or charge higher premiums. Installation costs $75–$150, monthly monitoring runs $60–$100, and the device must remain installed for the duration of your restricted license period, typically 6–12 months for first offenses.
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 ranks among the most expensive states for auto insurance nationally, driven by high uninsured driver rates, frequent hurricane and flood damage, and elevated accident rates in New Orleans and Baton Rouge metro corridors. Drivers with DUI suspensions applying for restricted licenses face rate increases of 80–140% over standard rates, and not all carriers write policies with SR-22 filing and IID coverage.

What Affects Your Rate

  • Louisiana's 13% uninsured driver rate — one of the highest in the South — increases UM/UIM claim frequency and raises premiums statewide.
  • New Orleans metro drivers pay 20–30% more than rural parish drivers due to higher theft rates, accident frequency, and uninsured driver concentration.
  • DUI conviction adds 80–140% to base premium for 3–5 years; rate increase persists even after SR-22 filing requirement ends.
  • Ignition interlock device installation is mandatory for restricted license issuance — some carriers exclude IID-equipped vehicles or charge 15–25% premium surcharges.
  • Hurricane and flood exposure in coastal parishes drives comprehensive premiums 30–50% higher than northern Louisiana parishes.
  • Drivers under 25 with DUI suspensions face combined young-driver and high-risk surcharges — monthly premiums frequently exceed $300 for minimum coverage with SR-22.
Minimum Coverage
$140–$180/mo
15/30/25 liability-only with SR-22 filing. Covers Louisiana's legal minimum but leaves you financially exposed in serious accidents. Most restricted license applicants start here to meet OMV requirements while managing cash flow.
Standard Coverage
$180–$220/mo
50/100/50 liability plus uninsured motorist coverage at matching limits. Provides meaningful protection given Louisiana's 13% uninsured driver rate. Adds $40–$60/month over minimum coverage but covers multi-injury accidents without triggering out-of-pocket liability.
Full Coverage
$240–$320/mo
100/300/100 liability, comprehensive, collision, and UM/UIM. Required if you finance a vehicle. Comprehensive coverage is particularly valuable in Louisiana — hurricane, flood, and storm damage claims are frequent, and collision covers hit-and-run accidents common in urban parishes.

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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.

Find Your City in Louisiana

St. Louis Cathedral in Jackson Square, New Orleans at night with American flag and historic buildings illuminated

New Orleans

urban
Steel truss bridge over river at sunset with barge passing underneath and city skyline in background

Baton Rouge

urban
Shreveport, Louisiana cityscape and street view

Shreveport

urban
Stone memorial bench in peaceful park setting surrounded by green trees and grass

Metairie

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

Lafayette

suburban
Aerial view of sandy beach at sunset with forest on one side and ocean on the other

Lake Charles

urban
Peaceful river scene at sunset with pink sky and green trees reflected in calm water

Kenner

suburban
City skyline with tall buildings viewed across water from grassy waterfront area on clear day

Monroe

urban

Frequently Asked Questions

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