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.
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.
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.
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.
|Average Percent Increase After DUI|
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.
|Most Expensive State for DUI (1-50)|
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 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.
Use Insurify for all of your car insurance comparison needs! Compare and connect directly with the top insurance companies to find the best rates as well as the most personalized discounts and coverage options.
Insurify’s network includes over 200 insurance companies throughout the U.S. who can work with you to get you the right auto insurance policy at the cheapest price.
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.