- Does a DWI raise car insurance rates in Louisiana?
- How much does a DWI raise your insurance in Louisiana?
- If someone gets a DWI in your car, does it go on your insurance?
- How long does a DWI affect your insurance in Louisiana?
- How much does a DWI raise insurance by age group?
- How much does a DWI raise your insurance in your city?
- How to get car insurance after a DWI in Louisiana
- Louisiana DWI insurance requirements and penalties
- How long after a DWI does your insurance go down?
- Tips to save money after a DWI
- Methodology
- Louisiana DWI insurance: Frequently asked questions
- Compare Louisiana DUI car insurance rates with other states
Does a DWI raise car insurance rates in Louisiana?
Louisiana car insurance averages $2,883 with a clean driving record. However, average car insurance rates after a DWI increase to $4,445, which is $1,562 more.
Car insurance companies charge much higher rates if you are proven to be a risky driver. If you have multiple DWIs, average rates dramatically increase to $5,909.
How much does a DWI raise your insurance in Louisiana?
The cheapest insurer after a DWI is Southern Farm Bureau, with rates averaging $2,684. The next cheapest insurer is Progressive a difference of $755 from Southern Farm Bureau. State Farm has the third-most affordable car insurance rates with a DWI.
Not only is driving under the influence dangerous, but it’s also expensive. You’ll face hefty fines and increased car insurance rates for years. However, every company weighs a DWI differently and offers different rates, so comparing quotes from multiple insurers is essential.
This table shows average car insurance rates after a DWI in Louisiana.
| Company | Annual premium for clean records | Annual premium after a DUI | Annual premium after multiple DUIs |
|---|---|---|---|
| Southern Farm Bureau | $2,121 | $2,684 | $3,153 |
| Progressive | $3,065 | $3,439 | $4,701 |
| State Farm | $3,570 | $3,794 | $3,794 |
| Safeway Insurance | $3,191 | $4,207 | $4,207 |
| Auto Club Enterprises (AAA) | $3,473 | $4,719 | $6,887 |
| GEICO | $2,983 | $6,385 | $8,093 |
| Farmers | $3,002 | $7,270 | $11,850 |
| USAA | $1,973 | $3,177 | $4,115 |
PEOPLE ASK:
What happens when you get a DWI in Louisiana?
If you’re convicted of a DWI in Louisiana, consequences are severe. For a first offense, you’ll face fines and fees. Your car may also be impounded, your driver's license suspended, and car insurance rates will increase for life.
If someone gets a DWI in your car, does it go on your insurance?
Typically, the insurance follows the car, not the driver, so your car insurance won’t increase since the DWI won’t be on your driving record.
However, your rates may increase if your vehicle is involved in an accident due to a DWI. Additionally, your car can be declared a crime scene after an accident, so you won’t have access to your vehicle until the police are ready.
How long does a DWI affect your insurance in Louisiana?
While a DWI may remain on your driving record forever, it doesn’t affect rates forever. A DWI affects Louisiana car insurance for life. Your car insurance rates should begin to decrease after several years with no further infractions on your driving record.
PEOPLE ASK:
Will I have difficulty getting car insurance after a DWI?
It may be more challenging to find affordable car insurance after a DWI, especially if you have multiple convictions. However, if you already have car insurance, your insurer will likely continue your coverage. Since insurance rates will increase after a DWI, you may consider shopping for new coverage to compare rates.
How much does a DWI raise insurance by age group?
Younger drivers pay higher insurance rates than mature drivers since they lack experience behind the wheel. While a DWI increases rates significantly, younger driver's car insurance rates skyrocket after a conviction. The average cost of car insurance for a teen with a DWI is $5,338.
These are the cheapest companies after a DwI by age:
- For teens: Southern Farm Bureau is the cheapest at $5,338.
- For young adults: Southern Farm Bureau offers the cheapest young adult coverage at $3,606.
- For adults: Southern Farm Bureau, with an average rate of $2,684.
- For seniors: Southern Farm Bureau has the most affordable average rate at $3,032.
This table shows how a DWI affects car insurance rates based on age group.
| Age | Company | Annual premium for clean record | Annual premium after a DUI | Dollar increase | % Increase |
|---|---|---|---|---|---|
| Teen(18 yr) | Southern Farm Bureau | $3,967 | $5,338 | $1,371 | 35% |
| Teen(18 yr) | State Farm | $9,125 | $9,845 | $720 | 8% |
| Teen(18 yr) | Safeway Insurance | $8,340 | $11,263 | $2,923 | 35% |
| Teen(18 yr) | Auto Club Enterprises (AAA) | $10,378 | $16,010 | $5,632 | 54% |
| Teen(18 yr) | GEICO | $10,627 | $20,575 | $9,948 | 94% |
| Teen(18 yr) | Farmers | $10,815 | $27,046 | $16,231 | 150% |
| Young Adults(25 yr) | Southern Farm Bureau | $2,762 | $3,606 | $844 | 31% |
| Young Adults(25 yr) | Progressive | $3,526 | $3,919 | $393 | 11% |
| Young Adults(25 yr) | State Farm | $4,120 | $4,393 | $273 | 7% |
| Young Adults(25 yr) | Safeway Insurance | $3,894 | $5,179 | $1,285 | 33% |
| Young Adults(25 yr) | GEICO | $3,018 | $5,543 | $2,525 | 84% |
| Young Adults(25 yr) | Auto Club Enterprises (AAA) | $4,150 | $5,720 | $1,570 | 38% |
| Young Adults(25 yr) | Farmers | $3,815 | $9,348 | $5,533 | 145% |
| Adults(40 yr) | Southern Farm Bureau | $2,121 | $2,684 | $563 | 27% |
| Adults(40 yr) | Progressive | $3,065 | $3,439 | $374 | 12% |
| Adults(40 yr) | State Farm | $3,570 | $3,794 | $224 | 6% |
| Adults(40 yr) | Safeway Insurance | $3,191 | $4,207 | $1,016 | 32% |
| Adults(40 yr) | Auto Club Enterprises (AAA) | $3,473 | $4,719 | $1,246 | 36% |
| Adults(40 yr) | GEICO | $2,983 | $6,385 | $3,402 | 114% |
| Adults(40 yr) | Farmers | $3,002 | $7,270 | $4,268 | 142% |
| Seniors(65 yr) | Southern Farm Bureau | $2,363 | $3,032 | $669 | 28% |
| Seniors(65 yr) | Progressive | $2,955 | $3,375 | $420 | 14% |
| Seniors(65 yr) | State Farm | $3,385 | $3,611 | $226 | 7% |
| Seniors(65 yr) | Safeway Insurance | $2,763 | $3,623 | $860 | 31% |
| Seniors(65 yr) | Auto Club Enterprises (AAA) | $3,480 | $4,775 | $1,295 | 37% |
| Seniors(65 yr) | Farmers | $2,614 | $6,328 | $3,714 | 142% |
| Seniors(65 yr) | GEICO | $2,909 | $7,088 | $4,179 | 144% |
| Teen(18 yr) | USAA | $4,188 | $7,096 | $2,908 | 69% |
| Young Adults(25 yr) | USAA | $2,387 | $3,905 | $1,518 | 64% |
| Adults(40 yr) | USAA | $1,973 | $3,177 | $1,204 | 61% |
| Seniors(65 yr) | USAA | $2,045 | $3,283 | $1,238 | 61% |
How much does a DWI raise your insurance in your city?
The cheapest city in Louisiana for car insurance with a DWI is Ruston, while the most expensive city is Alexandria at an average of $5,000. Where you live affects car insurance rates, regardless of a DWI. Drivers in areas with higher traffic rates and more vehicle thefts pay higher insurance rates since their cars are more likely to be damaged. Those higher rates are then raised significantly with a DWI.
This table shows average DWI car insurance rates by city. Compare rates in large cities to rural areas to see how your location impacts rates.
| City | Annual premium for clean record | Annual premium after a DUI | Dollar increase | % Increase |
|---|---|---|---|---|
| Alexandria | $3,256 | $5,000 | $1,744 | 54% |
| Atlanta | $2,597 | $4,002 | $1,405 | 54% |
| Baton Rouge | $3,166 | $4,846 | $1,680 | 53% |
| Bogalusa | $2,980 | $4,583 | $1,603 | 54% |
| Leesville | $2,521 | $4,048 | $1,527 | 61% |
| New Orleans | $2,949 | $4,544 | $1,595 | 54% |
| Port Allen | $2,975 | $4,554 | $1,579 | 53% |
| Ruston | $2,480 | $3,801 | $1,321 | 53% |
| Scott | $3,040 | $4,657 | $1,617 | 53% |
| Sikes | $2,605 | $4,017 | $1,412 | 54% |
How to get car insurance after a DWI in Louisiana
Insurers will label you as a high-risk driver after a DWI, but that doesn’t mean you can’t get car insurance. Finding the best fit after a DWI conviction may require a little work.
If you have car insurance and get a DWI, your insurer will probably continue to offer coverage. However, your rates will increase on renewal.
If you need car insurance after a DWI or want to find the lowest rates, shop around for coverage. Compare quotes from multiple insurers to find the most affordable policy in Louisiana since each insurer offers different rates after a DWI.
Louisiana DWI insurance requirements and penalties
A DWI in Louisiana means you must meet specific requirements for high-risk drivers. In Louisiana, you will need an SR-22. An SR-22 is a form filed by your insurance company that shows the state that you have at least the minimum amount of car insurance required by law. While an SR-22 doesn’t increase your car insurance rates, the cause behind the form does.
A DWI can lead to fines, a driver’s license suspension, car impoundment, and jail time. Multiple offenses have more severe penalties. Additionally, you may have to pay lawyer fees, towing charges, and impound fees.
The table below indicates Louisiana DWI laws and penalties based on first and subsequent offenses.
| Increased penalty for high BAC | 0.2 |
| Administrative license suspension after a first offense | 12 months |
| Limited driving privileges during suspension | Yes (with the exception of a 2nd conviction having a 0.2 BAC, then eligible only after 45 days of suspension has expired) |
| Ignition interlocks | Mandatory for all convictions |
| Open container laws | No |
| Repeat offender laws | No |
*BAC is blood alcohol concentration
How long after a DWI does your insurance go down?
A DWI or DUI affects car insurance rates for at least three years, but the actual time varies. In some states like California, a DUI can affect rates for 10 years.
Louisiana drivers can expect to pay higher car insurance rates after a DWI for life.
Tips to save money after a DWI
A DWI will cost you thousands of dollars in fines, fees, and increased car insurance rates. Fortunately, there are ways to get lower rates after a DWI
Ways Louisiana drivers can save on car insurance after a DWI include:
- Raise your deductible to lower rates
- Look for car insurance discounts, like multi-policy and vehicle safety feature savings
- Keep your driving record clean going forward
- Take a defensive driving course
- Improve your credit score
- Compare rates from multiple companies
Methodology
Insurance.com commissioned car insurance rates from Quadrant Information Services based on a 40-year-old driver with good credit and one DWI/DUI. Sample rates are based on a 2023 Honda Accord LX with full coverage at limits of 100/300/100 for liability and $500 deductibles. We also commissioned rates for various age groups including teens (16-19), young adults (20-25) and seniors (65+).
Louisiana DWI insurance: Frequently asked questions
How far back do insurance companies look for a DWI?
DWIs can stay on your driving record for up to 10 years, depending on your state. Typically, a DWI stops affecting car insurance rates in three to five years.
Will my insurance drop me after a DWI in Louisiana?
Most insurers won’t drop you after one DWI, but rates will increase significantly. However, multiple DWIs may cause your insurer to refuse coverage. The more risk you pose, the more challenging it is to get car insurance.
Compare Louisiana DUI car insurance rates with other states
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