Best Louisiana SR-22 Insurance in 2024
What are Louisiana SR-22 requirements?
If you’re required to have SR-22 insurance in Louisiana, it means you’ve committed a violation and have been required by the state or the court to have an SR22 endorsement on your car insurance. The SR-22 certificate in Louisiana may also be called proof of future financial responsibility and it guarantees to the state that you have at least the minimum liability requirements in Louisiana. If you’re required to have it in Louisiana, SR22 insurance is necessary for you to have in order to reinstate your driving privileges.
While SR-22 insurance is not actually a different type of insurance from typical car insurance, the term is often used to describe car insurance coverage for those who need an SR-22 endorsement because an SR22 affects your car insurance coverage and cost. In Louisiana, SR-22 coverage after a DUI conviction costs an average of 57% more than car insurance for standard drivers.
The SR-22 form is filed with the Louisiana Office of Motor Vehicles (OMV) by your insurance company. It’s required for three years and you must maintain continuous coverage throughout your filing period. If you fail to pay your SR-22 insurance premium, cancel your SR-22 insurance or let the insurance lapse before the end of the filing period, the Louisiana OMV will be notified by your insurance company and your driver's license will be suspended again. You’ll need to start the SR-22 probationary period over again with increased rates and also pay the state fees.
There are three types of Louisiana SR-22 auto insurance, which are as follows:
- Operator SR-22 insurance covers financial responsibility in case you don’t own a vehicle. If you don’t own the vehicle and if you have violated the Louisiana State traffic laws, you are required to file SR-22 under operator insurance.
- Owner SR-22 insurance covers financial responsibility for vehicles owned by you.
- Operator-Owner SR-22 insurance covers financial responsibility for all vehicles owned or not owned by you.
If you're not a vehicle owner in Louisiana, the cheapest option for you is to get non-owner car insurance. Non-owner SR-22 car insurance is a great way to show proof of insurance to get a license. This type of insurance will prove that you meet the minimum insurance requirements to drive rentals or borrowed vehicles.
Use our comparison tool to compare insurance quotes from multiple companies.
What are the SR-22 insurance limits in Louisiana?
If you’re required to have SR-22 insurance in Louisiana, you’ll be required to have at least the following coverage:
- $15,000 bodily injury per person
- $30,000 bodily injury per accident
- $25,000 property damage per accident
Failure to have SR22 insurance with at least the minimum liability coverage required of you in Louisiana may result in additional penalties and fines. You won’t be able to register a motor vehicle or renew your registration if you haven’t completed your SR-22 insurance requirement. The Department of Public Safety may suspend your driving privileges. Apart from filing the Louisiana SR-22 form, you may need to complete a driver education course, and pay significant fines.
Use our comparison tool to compare SR-22 car insurance quotes from multiple companies.
Who needs an SR22 in Louisiana?
SR-22 insurance is used to monitor risky drivers in the state of Louisiana. SR-22s are required after you’ve committed certain violations of the law. You may even be required to have an SR-22 if you’ve had a series of small violations within a short span of time. You could need SR22 insurance for the following reasons:
- Conviction for driving under the influence (DUI or DWI)
- Driving without car insurance
- Driving with a revoked or suspended license
- Having repeated traffic violations in a certain amount of time, including speeding tickets
- Numerous at-fault accidents
- A fatal at-fault accident or one that results in injuries
- Reckless driving or dangerous driving
- Assignment from a court order
- Failure to pay fines from tickets
- Refused consent to breathalyzer or blood alcohol test
If you move to Louisiana from another state, your state proof of financial responsibility will be accepted provided that your insurance provider certifies in writing that the insurance policy complies with the laws of Louisiana. If you have to file for SR-22 in Louisiana, you have to find an insurance company that has a license to do business in Louisiana.
The Office of Motor Vehicles may require you to install an ignition interlock device as a condition of reinstatement. The required period of time for the ignition interlock device will vary depending on the severity of the case. If you don't keep the IIID on your vehicle during the required period of time, you may face additional penalties.
How are Louisiana SR-22 insurance rates calculated?
If you need SR-22 insurance, your car insurance rates will likely increase significantly. When you’re required to have an SR22, you get placed into the category of a high-risk or non-standard driver. Car insurance rates for SR-22 vary from one insurance company to another. Several factors determine the premium cost, which includes your age, vehicle type, gender, marital status, credit score, criminal record, and the violation under which you are required to file for SR22.
One of the most common reasons drivers need SR-22 insurance is because of a DUI conviction. On average, drivers with one DUI conviction in Louisiana pay $2,793 per year for car insurance. That’s 57% more than car insurance for a driver with a clean driving record. However, the cost you pay differs significantly based on the company you buy car insurance from. In the table below, you can find average rates for Louisiana drivers who have one DUI conviction from some of the largest companies in the state.
| Company | Car insurance rate |
|---|---|
| Louisiana Farm Bureau | $1,731 |
| Geico | $2,038 |
| USAA* | $2,398 |
| State Farm | $2,448 |
| Allstate | $2,503 |
| AAA | $4,185 |
| Progressive | $5,567 |
*USAA is only available to active and former military members and their families.
These rates are based on a 35-year-old single adult with one driver and one vehicle on a policy. The car used was a 2015 Toyota Highlander LEs. Full coverage was used with 100/300/50 limits and a $500 collision and comprehensive deductible. The driver had 1 DUI on their record. The rates displayed should only be used for comparative purposes as individual rates for high-risk insurance in Louisiana will differ. Rate data is provided by Quadrant Information Services.
How to get SR22 insurance in Louisiana?
If the state of Louisiana requires you to file an SR-22 proof of financial responsibility, you must first find a state-licensed insurance company and request an SR-22 form. Your current car insurance company may provide the service required, but it’s always a good idea to check other insurance companies and see how they compare.
You’re required to pay a processing fee to the insurance company for the services they provide in filing for SR-22. You must purchase at least the minimum liability coverage required by Louisiana State law. You will send the SR-22 request form to the insurance company which sends it to the central office which files an SR-22 with the state. When the SR-22 form is accepted, you will receive an acceptance letter from the Public Safety department.
Use the table at the top of this page to find all the car insurance companies that offer SR-22 insurance in Louisiana with a minimum of 25 reviews. If you want to see which companies customers say are the best car insurance companies for SR22 insurance in Louisiana, sort the table by highest rated. You can sort through companies and find the ones you want to get quotes from. To get quotes, click on the orange "Click for quote" button next to the company, call the number available, or visit the company's website.
If you want to read customer reviews of the company, click the company name in the table and you will be directed to the company’s profile page containing information about the company and reviews.
Is there an SR-22 filing fee in Louisiana?
There are several fees that you may be required to pay if you need SR-22 insurance in Louisiana. To start with, you’re required to pay a processing fee to the insurance company for the services rendered while filing the SR-22 certificate. The cost varies anywhere from $20 to $50 depending on the insurance company.
You could face additional fees if you fail to pay your SR-22 premium, which leads to cancellation or lapse of the SR-22 insurance. Upon completion of the probationary period, you must pay a certain amount as fees to reinstate your driving privileges. The fees may vary based on the offense you committed.
How are car insurance rates calculated?
When searching and comparing car insurance quotes, it can be frustrating trying to understand how your insurance rates are calculated. While there is no exact formula that each car insurance company uses when providing you with a quote, there are many factors that do contribute to the price you pay for your insurance. Among the factors that car insurers consider are:
- Your driving record
- How much you drive
- Location
- Age
- Marital status
- Gender
- Your car’s make, model and year
- Your credit history (in some states)
- Amount of car insurance coverage (required coverage and optional add-ons, such as collision coverage and comprehensive coverage)
One of the biggest misunderstandings when it comes to insurance rates is that the history of drivers in your area also contributes to how much you pay. For instance, even if you go two years without an accident, if there were a lot of accidents near you recently, your rates might still go up. Why is that the case?
Insurance companies disperse risk across all policyholders so that when it comes time to pay an insurance claim, they have enough money to pay out. But imagine a scenario where they only raised rates for drivers with an accident. For drivers who had an expensive claim, drivers simply wouldn't be able to afford the raised rates that are based on how much their insurer had to pay after an accident. So instead, insurance companies slightly increase rates across the board to offset the costs, though of course, the at-fault driver may see a larger increase.
How much car insurance do I need?
You certainly don’t want to be underinsured or uninsured while staring at a claim after a car accident or other damage to your car. But at the same time, there’s no sense in paying for more coverage than you need, right? So it begs the question: How much car insurance coverage do you actually need?
The answer, as frustrating as it may be, is it depends. For example, someone insuring a brand-new, leased car is likely required to purchase collision and comprehensive coverage, but for someone driving an older car that doesn’t have much value, it may not make sense to purchase optional coverage. Plus, states have different car insurance requirements. There are 12 no-fault states that require their drivers to purchase personal injury protection (PIP).
So when it comes to determining what car insurance coverage and limits you should purchase, it’s important to do your research. Talk with an insurance agent or your insurance company to determine what makes the most sense for your situation.
How to save money on your car insurance?
At the end of the day, we’d all like to have the best coverage at a cheap, affordable price. While you never want to sacrifice quality to save a couple of dollars, there are some different ways you can lower your car insurance premium.
Here are six ways you may be able to lower your car insurance rates:
- Bundle your car insurance with other policies
- Consider raising your deductibles
- Pay your car insurance policy in full
- Try usage-based car insurance
- Monitor price changes to your policy
- Shop for better insurance rates
How do we rank car insurance companies?
Wondering how Clearsurance determines scores for insurance companies? Our algorithm analyzes a range of inputs from our community of unbiased insurance customers, including:
- Cost
- Customer Service
- Overall Experience
- Claim service
- Purchasing experience
- Likelihood to recommend
Car Insurance Guide
Whether you’re buying your insurance directly or going through an agent, understanding the different car insurance coverage options is a must. Do you know what is covered by comprehensive coverage? Are you familiar with uninsured motorist coverage/underinsured motorist coverage? Do you know how a deductible works?
We want to make sure you’re equipped with proper knowledge of car insurance, so check out our practical guide to understanding car insurance. Looking for more educational information about car insurance? Check out our blog for more information and topics related to car insurance.