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Cheap DUI Car Insurance in Louisiana (With Quotes)
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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.
| Carrier | Avg. Monthly Cost The car insurance quotes, statistics, and data visualizations on this page are derived from Insurify’s proprietary database of over 4 million car insurance applications from ZIP codes across the United States. Insurify’s data science team performs a comprehensive analysis of the various factors car insurance providers take into account while setting rates to provide readers insight into how car insurance quotes are priced. |
|---|---|
| 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.
Disclaimer: Table data sourced from real-time quotes from Insurify's 50-plus partner insurance providers. Actual quotes may vary based on the policy buyer's unique driver profile.
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.
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 The car insurance quotes, statistics, and data visualizations on this page are derived from Insurify’s proprietary database of over 4 million car insurance applications from ZIP codes across the United States. Insurify’s data science team performs a comprehensive analysis of the various factors car insurance providers take into account while setting rates to provide readers insight into how car insurance quotes are priced. | After DUI - Avg. Monthly Rate The car insurance quotes, statistics, and data visualizations on this page are derived from Insurify’s proprietary database of over 4 million car insurance applications from ZIP codes across the United States. Insurify’s data science team performs a comprehensive analysis of the various factors car insurance providers take into account while setting rates to provide readers insight into how car insurance quotes are priced. | Average Percent Increase After DUI |
|---|---|---|
| $313 | $600 | 91.69% |
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 The car insurance quotes, statistics, and data visualizations on this page are derived from Insurify’s proprietary database of over 4 million car insurance applications from ZIP codes across the United States. Insurify’s data science team performs a comprehensive analysis of the various factors car insurance providers take into account while setting rates to provide readers insight into how car insurance quotes are priced. | Most Expensive State for DUI (1-50) |
|---|---|
| $600 | 5th |
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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.
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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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Data scientists at Insurify analyzed more than 40 million real-time auto insurance rates from our partner providers across the United States to compile the car insurance quotes, statistics, and data visualizations displayed on this page. The car insurance data includes coverage analysis and details on drivers' vehicles, driving records, and demographic information. Quotes for Allstate, Farmers, GEICO, State Farm, and USAA are estimates based on Quadrant Information Service's database of auto insurance rates. With these insights, Insurify is able to offer drivers insight into how companies price their car insurance premiums.
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