Updated: May 20, 2024
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For drivers with a record of driving under the influence of alcohol or drugs (DUI) in Louisiana, MoneyGeek found that the cheapest car insurance company for full and minimum coverage is Southern Farm Bureau. For the best car insurance provider in the state, State Farm wins our pick across both levels of coverage.
BestAuto InsuranceAfter a DUIBest Companies for DUI Insurance in 2023
Although car insurance is required in all states, insurance companies can legally refuse to insure drivers with a DUI on their records. Companies that do cover drivers after a DUI usually increase their insurance rates, as they’re now considered high-risk.
In Louisiana, you can expect your annual premiums to increase by 62% after a DUI conviction. You might also face penalties such as license suspension and mandatory ignition interlock.
Ensure you are getting the best rate for your insurance. Compare quotes from the top insurance companies.
The nationwide providers offering the cheapest car insurance after a DUI are Progressive and State Farm. However, other companies in your state may offer lower rates. In Louisiana, the most affordable car insurance provider for full coverage and minimum coverage after a DUI is Southern Farm Bureau.
The amount you’ll pay for car insurance after a DUI conviction will depend on several factors, including your preferred coverage level. The cheapest car insurance companies for a full coverage policy in Louisiana are:
USAA is also an affordable option for active military members, veterans and their families, averaging $2,357 per year for full coverage in Louisiana after a DUI.
| 1 | CompanySouthern Farm Bureau | Annual Premium$2,110 |
| 2 | CompanyUSAA | Annual Premium$2,357 |
| 3 | CompanyState Farm | Annual Premium$2,612 |
| 4 | CompanyAllstate | Annual Premium$3,687 |
| 5 | CompanyProgressive | Annual Premium$5,396 |
Keep in mind that coverage level also affects the cost of your car insurance premiums. For minimum coverage after a DUI, the most affordable car insurance providers in Louisiana are:
A minimum coverage USAA policy at $1,075 per year is also among the cheapest for eligible drivers.
| Southern Farm Bureau | Minimum Annual Premium$1,031 |
| USAA | Minimum Annual Premium$1,075 |
| State Farm | Minimum Annual Premium$1,186 |
| Allstate | Minimum Annual Premium$1,760 |
| Progressive | Minimum Annual Premium$2,064 |
Minimum coverage is usually the cheapest car insurance you can purchase. However, state minimums for car insurance are often not enough to financially protect you after an accident. This is because minimum coverage typically only includes liability insurance, which covers the costs of injuries and damages for the other driver if you’re at fault in an accident.
MoneyGeek ranked the best car insurance companies for DUI offenders in Louisiana based on affordability, customer satisfaction, financial stability and more. According to our analysis, the top-ranked insurer in the state for full coverage and minimum coverage is State Farm.
MoneyGeek’s unique scoring system determined that State Farm and Allstate are the best car insurance companies offering full coverage for DUI offenders in Louisiana.
State Farm offers full coverage car insurance to Louisiana drivers with a DUI at roughly $2,612 per year, compared to $2,442 for drivers without a DUI. That’s a 7% increase in average annual premiums if you have a DUI conviction.
State Farm received high scores across all categories, making it the top company for DUI offenders in Louisiana. State Farm offers rideshare insurance and several discounts, including ones for students and good drivers. However, it doesn’t have unique coverage, such as Original Equipment Manufacturer (OEM) coverage.
The average cost of Allstate’s full coverage car insurance with a DUI in Louisiana is $3,687 per year, whereas the price for the same policy without a DUI is $2,845. Having a DUI on your record increases your average annual premium by 30%.
Allstate scored well on financial stability, customer satisfaction and affordability. This insurer is relatively cheap for teen drivers. Although it offers unique add-ons like custom parts coverage, it lacks commonly found multiple cars or defensive driving discounts.
In Louisiana, the best car insurance companies providing minimum coverage for those with a DUI are State Farm and GEICO. Although minimum coverage is the cheapest option for car insurance, keep in mind that it might not be enough to cover all your expenses after an accident.
If you’ve been convicted of a DUI in Louisiana, a minimum coverage policy from State Farm costs an average of $1,186 per year. The same policy without a DUI costs $1,092. That’s a 7% increase in annual premiums with this company if you have a DUI on your record.
State Farm is the best company offering minimum coverage for drivers with traffic violations in Louisiana, receiving high ratings across multiple categories. It provides typical add-on coverages, such as roadside assistance and rental car reimbursement. However, you won’t find any unique coverage from this insurer.
GEICO offers minimum coverage auto insurance with and without a DUI at approximately $2,719 per year and $1,046 per year, respectively. Having a DUI conviction in Louisiana increases GEICO’s average annual premiums by 148%.
GEICO received a perfect score on financial stability and high ratings for customer satisfaction and claims. It provides rare discount opportunities for wearing your seatbelt, installing anti-lock brakes and having daytime running lights. However, this insurer doesn't offer new- or better-car replacement coverage.
MoneyGeek found that average annual premiums increase by 62% in Louisiana after getting a DUI, about $4,628 per year for full coverage car insurance. Use the list below to compare the cost of a full coverage policy before and after a DUI.
How long does a DUI affect the cost of your car insurance?
A look-back period is the length of time that a DUI remains on a driver’s record. Each subsequent DUI committed within the look-back period drastically increases the penalties to disincentivize repeat offenses. Note that look-back periods vary from state to state. Louisiana’s DUI look-back period is 10 years.
Full Coverage
$2,859
Full Coverage
$4,628This is 62% more expensive.
Having a DUI on your record will likely cause your car insurance rates to increase significantly. This is because insurance companies will now consider you a high-risk driver. Use MoneyGeek’s auto insurance calculator below to get a personalized estimate based on your driver profile.
MoneyGeeks's car insurance calculator will give you a customized estimate of your auto insurance cost. It's free to use, requires no personal information and we won't send you any spam.
Rates updated:
Jul 27, 2024
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The financial implications of a DUI cannot be overstated. In addition to increased car insurance premiums, you will also incur the following costs from a DUI:
Getting car insurance after a DUI can be challenging. Since many car insurance companies are private businesses, they may deny coverage to drivers they consider risky to insure. The length of a state’s look-back period can compound these challenges. In Louisiana, a DUI offense stays on a driver’s record for 10 years.
After a DUI conviction, you will most likely face higher premiums that cost you hundreds or thousands of dollars. Around this time, it’s best to shop around for companies that offer coverage for high-risk drivers. Comparing quotes from different providers will help you get the best possible rate for your situation.
Note that Louisiana drivers convicted of a DUI must obtain an SR-22 insurance form. This is a document that your insurer submits to the state on your behalf to verify that you have the required minimum insurance coverage for your state. SR-22 insurance in Louisiana has its own associated costs, such as filing fees and loss of discounts, that would benefit you to know.
Driving under the influence of alcohol or drugs has severe legal consequences. DUI penalties may vary across state lines but often include license suspension, fines, fees, ignition interlock device (IID) installation and jail time. MoneyGeek enumerates several Louisiana DUI laws in the table below.
Driving with a BAC at or above 0.08% is considered a DUI
Blood alcohol concentration (BAC) refers to the amount of alcohol in your blood. In Louisiana, it’s criminal to drive with a BAC of 0.08% or above. Even if you’re under this threshold, you can still be arrested for noticeably impaired driving.
Driving with a BAC at or above 0.15% will result in increased penalties
Louisiana drivers with a BAC of 0.15% will serve at least 48 hours in jail without the benefit of parole, probation or suspension of sentence. Those with a BAC of 0.20% will face the same penalties and be fined between $750 and $1,000.
90-day administrative license suspension on a first offense
Louisiana’s administrative license suspension law authorizes an officer to confiscate the license of those who fail an alcohol test. Suspension for first offenses in the state lasts 90 days.
Mandatory ignition interlocks
In Louisiana, an ignition interlock system is mandatory for 12 months for a first offense if your BAC is 0.20% and above.
If you’re still unsure how having a DUI affects car insurance in Louisiana, MoneyGeek’s answers to frequently asked questions may help.
Lousiana state laws don’t require insurers to continue covering DUI offenders, meaning your provider may choose not to renew your policy after your contract expires. Check directly with your insurance provider to be sure.
In Louisiana, average annual premiums increase by 62% after a DUI conviction. For example, the average yearly cost of full coverage car insurance in Louisiana is $2,858, but this number goes up to $4,628 with a DUI conviction.
Southern Farm Bureau is the cheapest car insurance company in Louisiana for DUI offenders. Meanwhile, the best car insurance provider in the state after a DUI is State Farm.
Because the look-back period for a DUI in Louisiana is 10 years, this is typically how long your premiums will be affected.
After a DUI conviction, it’s best to shop around for an insurer that covers high-risk drivers. You’ll need to gather and compare quotes from different providers to get the best possible rate for your situation.
To determine the top companies for individuals with DUIs in STATE, MoneyGeek analyzed each company’s financial stability, customer satisfaction, claims and affordability based on data obtained from state insurance departments and Quadrant Information Services. The rates above are based on a 40-year-old male with and without a DUI driving a 2010 Toyota Camry LE with 12K annual mileage.
