- Non-standard auto insurer — higher-risk and minimum-coverage Louisiana drivers
- One of Louisiana's larger non-standard books (~33,000 policyholders)
- Cut Louisiana auto rates ~2.9% for 2026 (approved LA DOI filing)
- Agent-based; SR-22, lapses, and thin records are its core market
- Limited coverage menu — compare a standard carrier for full coverage or higher limits
Imperial Fire & Casualty is a non-standard auto insurer operating in Louisiana — the segment that writes drivers standard carriers decline or surcharge heavily: SR-22 filings, prior lapses, accidents or violations, and buyers who simply want the cheapest legal coverage. It works through local agents and carries one of the larger non-standard books in the state.
As with any non-standard carrier, Imperial's low book-average premium reflects a minimum-limits coverage mix, not a cheap full-coverage price. Its value is speed and acceptance for hard-to-place profiles, not rich coverage. A driver who needs full coverage on a financed car will usually do better comparing standard carriers.
What the filings show
Louisiana approved an Imperial rate decrease of about 2.9% for its 2026 book. That places Imperial with the majority of Louisiana's larger auto writers now cutting rates in 2026 — a notable turn after several years of increases across the state's high-cost market.
Who Imperial is right for
Imperial suits Louisiana drivers who need to file an SR-22, are rebuilding after a lapse, or want low-cost state-minimum coverage and have been declined or heavily surcharged elsewhere. It is not the right carrier for drivers seeking high limits or comprehensive add-ons — those buyers should start with standard carriers and use Imperial only if they can't place the risk.
Bottom line: Imperial is a non-standard option worth quoting if you're a high-risk or minimum-coverage Louisiana driver, and it's cutting rates for 2026. Treat its low premium as thin coverage, not a bargain — compare against standard carriers for your ZIP before deciding.
Imperial’s recent rate filings
The actual rate changes Imperial filed with state insurance regulators — primary-source numbers, not estimates. In the filings we track, Imperial filed 1 auto rate change across 1 state, averaging −2.9%. Each row links to the filing in our rate-filings ledger.
| Product | State | Change | Effective | SERFF filing |
|---|---|---|---|---|
| Auto | LA | −2.9% | Jan 2026 | #GMMX-134796306 ↗ |
Filed/approved statewide-average changes from each state’s Department of Insurance; a filed average is not your rate — your change depends on your ZIP, coverage, and risk profile, and a cut often reaches new customers before renewals. Not a quote.