Compare Louisiana carriers that still write competitive coverage after a DWI — with SR-22 filing included.
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Quick note for drivers with a DWI on their record
Not all Louisiana carriers will write a new policy after a DWI, but those that do vary widely on price. Comparing 4 carriers after a DWI can mean a $80–$130/month difference for the same coverage and same SR-22 filing.
DWI auto insurance in Louisiana is standard coverage written for a driver with a recent DWI conviction (driving while intoxicated) on their record. Louisiana DWI penalties are stiff — first-offense DWI typically includes mandatory license suspension, ignition interlock device, and a 3-year SR-22 requirement.
After a DWI in Louisiana, some carriers will non-renew you at your next renewal date; others will continue coverage but at a significantly higher rate; and a few specialize in writing high-risk profiles and may actually offer competitive new-business rates. Comparing matters more after a DWI than at almost any other point — particularly in Louisiana, where baseline rates are already among the highest in the country.
The good news: rates begin to come down as the conviction ages on your driving record. Most drivers see meaningful decreases at the 3-year and 5-year marks if they maintain continuous coverage and stay clean.
Your underlying policy must meet or exceed the Louisiana minimum (15/30/25). Most post-DWI drivers carry at least liability; full coverage is required if your vehicle is financed. Higher liability limits are strongly recommended given Louisiana's litigious tort environment.
Required after DWI in Louisiana. Carrier files certificate with OMV — typically within 24 hours of policy activation.
Your insurer notifies OMV of any lapse during the 3-year SR-22 period — making autopay and paid-in-full discounts especially valuable.
DWI rate increases in Louisiana are among the steepest in the country — partly because the state already starts from a very high baseline rate. A driver who paid $92/month for liability before a DWI typically pays $215–$365/month after — a 130–295% increase that lasts for several years.
Rates begin to decrease after 3 years of clean driving and continuous coverage, with another meaningful drop at the 5-year mark. Comparing carriers at each renewal is essential — the carrier that priced you most aggressively post-DWI may not be the most competitive 2 years later.
| Scenario | Typical Cost | Notes |
|---|---|---|
| First DWI, otherwise clean record | $215–$285/mo | Most common scenario in LA. SR-22 filing included. |
| First DWI + minor moving violations | $255–$345/mo | Stacked surcharges. |
| Second DWI within 7 years | $345–$515/mo | Many carriers will not write a new policy at all. |
| DWI + at-fault accident | $295–$425/mo | Highest typical post-DWI rate. |
Step one is securing SR-22-compliant insurance — without it, your license stays suspended and you cannot legally drive. Most carriers can file SR-22 electronically with Louisiana OMV within 24 hours of policy activation, and many offer same-day filing.
Step two is installing an ignition interlock device (IID) if required by the court — Louisiana requires IID for most DWI convictions, including first offenses. The device itself costs $70–$120/month plus installation; it's separate from insurance but required for license reinstatement.
Step three is maintaining continuous coverage for the full 3-year SR-22 period. Even a one-day lapse triggers OMV notification and almost always results in license re-suspension and a restart of the SR-22 clock.
Paying 6 or 12 months upfront often saves 8–15% — and protects against lapse during SR-22 period.
Some Louisiana carriers credit completion of court-ordered DWI programs at next renewal.
Eliminates the lapse risk that's especially dangerous during the 3-year SR-22 period.
Without insurance + SR-22, your license stays suspended. The cheapest path to driving legally is usually a high-risk specialist carrier.
You can surrender your license, but the requirement returns the moment you reinstate. For most Louisiana commuters, maintaining coverage is the cheaper long-term option.
Many drivers stay with the high-rate carrier that wrote them right after the DWI without re-shopping. Comparing again at year 2 and year 3 typically unlocks meaningful savings.
Illustrative cases based on common situations. Names and details changed for privacy.
Lamar, 35, New Orleans
First-time DWI; pre-DWI rate was $135/month. His existing carrier non-renewed him; he compared 4 high-risk specialists and found same-day SR-22 filing at $245/month with autopay.
Roxanne, 41, Lafayette
DWI two years prior; currently paying $315/month. Re-shopped at her renewal and found a regional carrier willing to re-rate her at $215/month given her clean 24 months.
Strong post-DWI underwriting, same-day SR-22 filing, and competitive rates as the conviction ages.
Specialist in high-risk profiles, often the cheapest post-DWI rate in Louisiana — though customer service ratings are mixed.
Higher upfront rate but strong renewal pricing as the DWI ages, plus local agent support.
After a DWI, drivers often grab the first 'yes' to get back on the road. Comparing 3 more carriers typically saves $80–$130/month for the same coverage in Louisiana.
Even one day triggers OMV notification, license re-suspension, and a reset of the SR-22 clock.
DWI rates decline as the conviction ages. Carriers don't proactively lower your rate — you have to re-shop.
8–15% discount, plus eliminates lapse risk during the SR-22 period.
Some carriers credit completion at renewal — and it's required for full reinstatement anyway.
Rate drops as DWI ages — comparing carriers at each renewal locks in the lower market rate.
Get auto insurance after a dwi options in Louisiana starting from $215/mo.
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