UPDATED: MARCH 14, 2023 | 3 MIN READ
High-risk drivers are defined as people who have violations on their driving records. Citations, DUI violations, at-fault accidents, or an increase in filing claims are ways to have you listed as a high-risk driver. High-risk car insurance is typically more expensive, but how much your insurance policy costs depends on your insurer, driving history, and where you live. Read on to learn more about finding affordable car insurance for high-risk drivers in Louisiana.
What Is a High-Risk Driver?
Being a high-risk driver isn’t just about having a bad driving record or obeying driving laws in Louisiana. There are many reasons why you might be considered a high-risk driver. They include:
- Are elderly
- Young drivers or teen drivers
- Own an exotic or high-powered vehicle
- Have speeding tickets, at-fault car accidents, caught uninsured, or DUI convictions on your driving history
- Have allowed your coverage to lapse
- Have poor credit
High-risk car companies cover drivers with an SR22, which shows you have sufficient insurance after a violation.
These are reasons why you might be a high-risk driver in Louisiana:
- Reckless driving
- At-fault accidents
- Distracted driving
What are the penalties for high-risk drivers in Louisiana?
There are certain penalties for having convictions and violations on your driving record. It’s not just about having to face increased car insurance rates for being a bad driver. For example, for a DUI violation, you might face jail time of anywhere between two days and six months, a license suspension of 90 days, and fines of up to $1,000 plus court costs.
Best Car Insurance Companies in Louisiana For High-Risk Drivers
Certain factors determine the auto insurance rates you get for high-risk auto insurance for Louisiana drivers. Your driving record and credit score help determine what high-risk drivers pay for auto insurance.
Some companies offer high-risk drivers cheap car insurance rates. Louisiana Farm Bureau Insurance is the best insurance company for coverage for Louisiana drivers. The premium increase after an accident is an average cost of $1,212, 39% less expensive than the average insurance company. Allstate and Progressive are the most costly insurance companies for high-risk drivers.
How much does high-risk car insurance cost?
Many factors determine how much car insurance costs for high-risk drivers. If you’re at fault in an accident, your rates are likely to skyrocket. In Louisiana, your rate increases to $3,138 after an at-fault crash compared to the national average of $2,012.
How to get insurance if insurers won’t cover you
Being a high-risk driver makes getting cheap auto insurance difficult. Not all insurers cover high-risk drivers. If it’s difficult finding insurers, you have two options: State-sponsored auto insurance plans and nonstandard insurance companies.
Nonstandard car insurance companies specialize in getting Louisiana auto insurance for drivers who aren’t able to get insurance.
Your driving history is a huge factor in determining whether you’re a high-risk driver. The reasons for this are accidents, speeding tickets, DUI violations, or multiple claims. Lower rates usually go to drivers with a clean driving record.
Louisiana Farm Bureau Insurance is one of the best insurers for high-risk drivers due to its low costs. State Farm is the second cheapest insurance company, with a premium of $2,789.
Is uninsured motorist insurance required in Louisiana?
Louisiana doesn’t require drivers to have uninsured motorist coverage. They require insurance companies to include uninsured motorist coverage in their car insurance packages.
Underinsured motorist insurance covers you if you’re in an accident and the other driver doesn’t have enough insurance to cover your expense. UMBI covers medical bills, and collision insurance covers repairs after an accident.
What Impact Do Violations Have On Your Record
You might experience different car insurance rates depending on the type of violations on your record. Below are examples of auto insurance premiums based on the violation.
Traffic violations show up in two different ways. They are either criminal or classified citations, or your employer checks your driving record. Traffic violations do appear on your Louisiana driving records. If an employer does a criminal background check, it shows up as a misdemeanor or felony offense.
What’s the impact of a speeding ticket on car insurance in Louisiana?
One of the ways in which drivers earn the “high-risk” designation is speeding. In Louisiana, average car insurance rates rise by $460 per year following a speeding ticket, up to an average per-year price of $2,685.
Louisiana Farm Bureau Insurance’s average rate after a speeding ticket is $898 less than the state average. If you’re looking for cheap car insurance, Progressive is worth avoiding.
What impact does a distracted driving ticket have on car insurance rates in Louisiana?
Distracted driving is a severe offense that increases your Louisiana auto insurance rates. Your insurance premiums typically go up $186 yearly. That’s an 8% increase from a standard insurance premium. The cheapest car insurance company is Louisiana Farm Bureau Insurance, with a rate of $1,787 yearly, 26% less than the average distracted driving rate.
How does reckless driving in Louisiana impact car insurance rates?
Reckless driving is one of the most severe driving violations, which increases your auto insurance rates. Insurers increase car insurance policy rates by roughly $1,147 yearly due to reckless driving. That’s a 52% increase compared to standard auto insurance companies in Louisiana. The most affordable car insurance company is Louisiana Farm Bureau Insurance.
Who are the most high-risk drivers in Louisiana?
The highest-risk drivers in Louisiana are:
- Drivers with low credit scores
- Drivers with one or more auto accidents
- Young drivers under the age of 25
- Drivers with a DUI on their driving record
- Drivers with a driving history of speeding tickets
What do insurance companies consider high risk in Louisiana?
Louisiana Farm Bureau Insurance offers the best car insurance premiums in Louisiana for motorist coverage. Progressive is one of the most expensive.
What are the insurance rates for high-risk drivers in Louisiana?
Accidents always cause your insurance rates to go up. The average Louisiana car insurance rate after a car crash is $3,138 compared to the national average of $2,012.
How can Louisiana drivers get a reduction on their insurance?
You might get an insurance discount by taking a traffic safety class or defensive driving course. They are available as online classes and might get you a discount. It’s always best to check with your insurer to see what’s available.
What is the most common type of auto insurance in Louisiana?
Bodily injury liability coverage is the most common type of auto insurance, as it’s required in almost every state.
How to Purchase High-Risk Louisiana Auto Insurance
Purchasing cheap Louisiana car insurance for high-risk drivers through a reputable auto insurance company has never been easier. Ensuring that you have the proper amount of bodily injury liability coverage, comprehensive coverage, or property damage liability is essential, and obtaining car insurance quotes is simple.
If you’re ready to get the cheapest auto insurance, it’s as simple as comparing rates as amounts vary by company. We have a helpful tool to find the best car insurance.