Car Insurance After a DUI in Louisiana: Cheapest Companies & Rates (2026)
A DUI in Louisiana increases car insurance rates by an average of 105%, raising a typical full coverage policy from $3,708/year to $7,601/year. That's an increase of $3,893/year ($324/month). Rates typically return to normal after 3-7 years.
DUI Rate Impact in Louisiana
Before DUI
$309/mo
$3,708/year full coverage
After DUI (+105%)
$633/mo
$7,601/year full coverage
Cheapest Companies After DUI in Louisiana
| Company | Monthly | Annual | Best For |
|---|---|---|---|
| CheapestUSAA | $469/mo | $5,625/yr | Military families |
| Erie Insurance | $500/mo | $6,005/yr | Rate lock guarantee |
| GEICO | $519/mo | $6,233/yr | Clean driving record |
| Progressive | $557/mo | $6,689/yr | Telematics savings |
| State Farm | $576/mo | $6,917/yr | Good students |
| Travelers | $602/mo | $7,221/yr | Multiple discounts |
| Nationwide | $659/mo | $7,905/yr | Bundling home + auto |
| Farmers | $684/mo | $8,209/yr | Signal telematics |
| Allstate | $709/mo | $8,513/yr | Accident forgiveness |
| Liberty Mutual | $747/mo | $8,969/yr | New car replacement |
Rates based on a 30-year-old driver with one DUI conviction, Louisiana, full coverage. Updated March 2026.
These are estimates based on state averages. Your exact rate depends on your specific profile.
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DUI Legal Consequences in Louisiana
- License suspension for 90 days to 1 year (first offense)
- Fines ranging from $500 to $5,000+
- Mandatory alcohol education or treatment program
- Possible ignition interlock device requirement
- SR-22 insurance filing required for 3 years
- Potential jail time (varies by BAC level and prior offenses)
SR-22 Insurance in Louisiana
An SR-22 is a certificate of financial responsibility that your insurer files with the state. It's not a type of insurance — it's proof that you carry at least the state minimum coverage.
- Filing fee: $15-50 (one-time)
- Duration: 3 years in Louisiana
- Lapsing your SR-22 triggers immediate license suspension
- Not all insurers offer SR-22 — Progressive, GEICO, and State Farm do
When Do Rates Return to Normal?
| Years After DUI | Estimated Monthly Rate | vs. Clean Record |
|---|---|---|
| Year 0 | $633/mo | +105% |
| Year 1 | $601/mo | +94% |
| Year 2 | $552/mo | +79% |
| Year 3 | $471/mo | +52% |
| Year 5 | $374/mo | +21% |
| Year 7 | $309/mo | Normal |