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Cheap DUI Car Insurance in Louisiana (With Quotes)

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Jeanette Wisniewski

By: Jeanette Wisniewski

| Reviewed by licensed insurance agent, Amber Benka

Last Updated March 9, 2022

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Best DUI Insurance Companies in Louisiana (2022)

For drivers with a DUI or DWI offense in Louisiana, it’s important that you evaluate all of your potential insurance options to ensure you are finding the best rate. Comparing the right insurance companies after this incident will allow you to get the best possible insurance rate after a DUI.

To simplify comparing companies, Insurify has analyzed rates from top insurance providers in Louisiana. The following are the best insurance rates from carriers that offer car insurance for drivers with a DUI in Louisiana.

CarrierAvg. Monthly Cost
The General$262
American Family Insurance$339

DUI Car Insurance Costs in Louisiana

In Louisiana, a DUI or DWI offense will on average have drivers paying $600 per month and $7,200 per year for their car insurance rates.

Compared to drivers with a clean driving record, that is on average an 92% increase on car insurance rates for drivers with a DUI. So in order, to find an affordable monthly rate after a DUI, comparison tools like Insurify become essential to finding the best rate.

Avg. Monthly Cost - No Violation
$313
Avg. Monthly Cost - After DUI
$600
$287 ▴
91.69% ▴
Monthly Impact of DUI on Rates
Percent Bad DUI Impact Rates

Insurify's comparison tool will help you make sure you're getting the best possible quote even after a DUI. You can have peace of mind that you're reviewing all of your available insurance options and can confidently choose the one that is best for your situation.

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How Much Does a DUI Impact Car Insurance Rates in Louisiana?

Getting past a DUI takes a long time. Not only because there are so many unforeseen consequences (like raised insurance rates) but also because it takes time for insurance companies to forgive your driving mistakes. Drivers in Louisiana will pay $287 more for car insurance after a DUI conviction. Not only is this a 91 percent increase over their original rates, it's an increase that they'll pay month after month for three to five years.

After a DUI is an excellent time to shop around since you never know what pricing and discounts are out there. Keep in mind that the average motorist in Louisiana will pay just over $600 a month with DUIs on their record.

No Violation - Avg. Monthly Rate After DUI - Avg. Monthly Rate Average Percent Increase After DUI
$313$60091.69%

What Are the Average Car Insurance Prices After a DUI in Louisiana?

The costs of a DUI add up quickly. Fines, surcharges, and court-related fees don't paint an accurate picture by themselves. Even after you've gotten past all those payments, more financial consequences follow. Specifically, you'll find yourself facing increased insurance rates after this risky behavior.

Regardless of how perfect your driving record was before, Louisiana drivers with past DUIs pay around $600.44 per month for insurance. If that sounds high, it's because it is. Only four states are more expensive for insurance after a DUI than Louisiana : Michigan, Rhode Island, New York, and Delaware.

Louisiana After DUI Avg. Monthly Rate Most Expensive State for DUI (1-50)
$6005th

How Long Is the Lookback Period for a DUI in Louisiana?

Just how long will you be looking over your shoulder with a DUI? The answer isn't that simple. In Louisiana, a DUI remains on your criminal record forever. It will always turn up on a background check, for example. However, there's a limit to the amount of time the state can hold it against you. The state has a 10-year lookback period for DUI arrests and convictions. This means that all DUIs you get within 10 years are considered when it comes to the court.

If you get a DUI today, for example, the state considers any DUIs you may have received within the last 10 years along with it. A DUI from three years ago would count as your first offense and today's DUI your second.

Louisiana DUI Penalties

Louisiana DUI penalties will cost you both money and time. Depending on the offense, you can get a maximum of up to 2,000 in fines, five years in jail, 240 hours of community service, and 12 months in a treatment program. A third offense in Louisiana is a felony.
First and second offenses are not without cost and inconvenience. Fines in these instances are up to $1,000, and drivers can spend up to six months in jail as well as time in driver improvement classes. Any offense can result in a driver's license suspension.

Top Auto Insurance Companies

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FAQs - Louisiana Car Insurance

  • There are many different factors that go into the how expensive your car insurance is. That said, some of the reasons why you could be paying so much for your insurance include: living in a state with high minimum insurance requirements, being a young or new driver, committing past traffic offenses like at-fault accidents or DUIs, and having a low credit score.

  • Auto insurance costs will vary between locations and insurance carriers, depending on the county Louisiana. Insurify analyzed the latest data for the five most populous cities in Louisiana to find you the cheapest quotes in each of these metropolitan areas.

  • The way to find the carrier with the best auto insurance ratings in Louisiana and save on your insurance premiums is to compare quotes from all companies in your area. Use a car insurance quotes comparison site like Insurify to compare up to 10+ real quotes for your specific driver profile and unlock savings and discounts. Rates can fluctuate greatly based on whether you're a safe driver or a high risk one, but you should never overpay. Insurify provides the cheapest car insurance quotes and companies in your area in just a few seconds.

  • During the past three years in the United States, national premium costs have risen an average of 4.5 percent annually. In states where quotes have risen, this figure has been 7.8 percent; and in those where rates have fallen, prices have decreased by approximately 6.0 percent. Individual rates by state will of course vary depending on the driver’s history and a multitude of factors.

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Methodology

The car insurance quotes displayed are based on an analysis of Insurify’s database of over 40 million quotes from 500 ZIP codes nationwide. To obtain representative rates, Insurify’s data science team performs frequent comprehensive analyses of the factors car insurance providers weigh to calculate rates including driver demographics, driving record, credit score, desired coverage level, and more.

Insurify’s analysis also incorporates the Insurify Composite Score (ICS) assigned to each insurance provider. The ICS is a proprietary rating that weighs multiple factors reflecting the quality, reliability, and health of an insurance company. Ratings used to calculate the ICS include Financial Strength Ratings from A.M. Best, Standard & Poor’s, Moody’s, and Fitch; J.D. Power ratings; Consumer Reports customer satisfaction surveys and customer complaints; mobile app reviews; and user-generated company reviews. 

With the above insights and ranking methods, Insurify is able to offer car insurance shoppers insight into how various insurance providers compare to one another in terms of both cost and quality. Note, actual quotes will vary based on unique attributes including the policyholder’s driver history and their garaging address.

Jeanette Wisniewski
Jeanette Wisniewski

Content Writer at Insurify

Jeannette Wisniewski is a technology writer whose passion is encouraging people to engage with technology by making it more understandable and more interesting. Though she enjoys writing business copy for a wide range of subjects, she is most inspired by emerging tech and its applications. She is a graduate of San Jose State University, a Georgia Peach at heart, and happy to call Boise, ID home.

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