How much does a Louisiana DWI affect auto insurance rates?

Posted by Aaron D. Lawrence | Jan 03, 2022 | 0 Comments

When a Louisiana law enforcement official stops you and charges you with operating while intoxicated or driving while intoxicated, you may face significant penalties if the large leads to a conviction. Some of the penalties you face after a Louisiana drunk driving conviction are criminal in nature. However, you also face financial repercussions, and one of those repercussions involves an increase in your auto insurance.

According to, a drunk driving conviction raises your insurance rates by somewhere between about 28% and 371% based on where you live in the country. When you live in Louisiana, you should anticipate your annual automotive insurance premiums to increase by about 48%.

Insurance rate increases

If you consider yourself a pretty typical Louisiana motorist and you do not have any prior drunk driving arrests, you may have paid somewhere in the vicinity of about $2,228 a year to insure yourself behind the wheel. However, once you have your first drunk driving conviction, your annual premium might inch closer to about $3,292. This makes for an annual difference of $1,064.

Insurance company denials

Your current insurance provider may decide to raise your rates quite a bit or even deny you coverage in the wake of a drunk driving conviction. Some insurers consider a driver who has a DWI or OWI to be too much of a liability. For this reason, you may want to have several different insurers give you quotes.

Keep in mind also that the insurance provider that offers the most favorable rate without a DWI may not be the one to do the same once you have a DWI in your driving history. To speak with an experienced DUI defense attorney about preventing these kinds of increases call Lawrence Law Firm or fill out the contact form on this page.

The blog published by Lawrence Law Firm is available for informational purposes only and is not considered legal advice on any subject matter. By viewing blog posts, the reader understands there is no attorney-client relationship between the reader and the blog publisher. The blog should not be used as a substitute for legal advice from a licensed professional attorney, and readers are urged to consult their own legal counsel on any specific legal questions concerning a specific situation.

About the Author

Aaron D. Lawrence

Aaron is a Criminal Defense and Personal Injury Attorney in Ruston, Louisiana. He received his Juris Doctor and Graduate Diploma in Comparative Law from the Louisiana State University Paul M. Hebert Law Center. He received his Bachelor of Applied Arts and Sciences from the University of North Tex...


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