Louisiana Auto Insurance After License Reinstatement
Louisiana requires 15/30/25 liability coverage and is an at-fault state.
Free to compare
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 system with compulsory insurance verification. The Office of Motor Vehicles requires proof of continuous coverage at reinstatement and random verification checks afterward. SR-22 filing duration varies by suspension cause—3 years for DUI, 1–2 years for points or uninsured violations—measured from reinstatement date, not conviction date.
Bodily Injury Liability
Property Damage Liability
SR-22 Certificate of Financial Responsibility
Uninsured Motorist 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
What Affects Your Rate
- Time since reinstatement—rates begin dropping 12 months post-reinstatement if no new violations occur; significant reductions possible at 36 months when SR-22 filing ends and standard carriers re-enter bidding.
Have Your Proof of Insurance Ready to Reinstate
Get My Post-Reinstatement 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 SR-22 filing last after license reinstatement in Louisiana?
Louisiana requires 3 years of SR-22 filing for DUI-related suspensions, 1–2 years for points-based or uninsured violations, measured from your reinstatement date. The Office of Motor Vehicles monitors your filing electronically—any lapse triggers automatic re-suspension with 45-day written notice. Your carrier must maintain continuous filing for the entire period even if you switch insurers.
Coverage Types
Post-Reinstatement SR-22 Insurance
Carrier-filed proof of continuous coverage required after most license suspensions in Louisiana. The OMV monitors your filing electronically—any lapse triggers automatic re-suspension with 45-day notice.
Non-Owner SR-22 Insurance
Liability-only policy for drivers who don't own a vehicle but need SR-22 filing to maintain license reinstatement. Covers you when driving borrowed or rental vehicles.
Non-Standard Auto Insurance
High-risk market coverage for drivers declined by standard carriers. Higher premiums but guaranteed placement for post-suspension drivers regardless of violation history.
Full Coverage After Reinstatement
Comprehensive and collision coverage added to liability. Required by lenders and protects your vehicle investment. Non-standard carriers offer this but may require higher deductibles for recently-reinstated drivers.