Cheapest SR-22 insurance in Louisiana

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In Louisiana, the cheapest SR-22 insurance options are offered by State Farm at $2,693 per year and Progressive at $3,587 per year. The cost of SR-22 insurance depends on your location, driving history, and insurance provider.

An SR-22 isn’t a type of insurance. It’s a certificate of financial responsibility that proves you meet your state’s minimum car insurance requirements. It’s often required after serious driving violations, such as a DUI, reckless driving, or driving without insurance. If you’ve been ordered to file an SR-22, you might be worried about the impact on your car insurance costs.

Unfortunately, having an SR-22 on your record usually leads to higher premiums, and some carriers won’t cover such drivers, so finding affordable options is essential.

Whether you’re looking for a budget-friendly policy or just trying to learn more about SR-22s, this guide has the information you need to get back on the road without breaking the bank.

What is an SR-22?

An SR-22 is a Certificate of Financial Responsibility (CFR) that proves you’ve bought the minimum liability auto insurance your state requires. If you’re considered a high-risk driver due to traffic violations, a DUI/DWI, or other reasons, your state or a court may require you to obtain an SR-22-a certificate filed by your insurance company that proves you carry the minimum required auto insurance coverage.

While it’s not a type of insurance, filing an SR-22 is often mandatory after serious offenses and it can lead to higher insurance premiums due to your increased risk profile.

Do I need to buy SR-22 insurance in Louisiana?

As mentioned earlier, an SR-22 isn’t an insurance policy; it’s a form your insurance company files with your state’s DMV. This form informs the state that you still carry the minimum required insurance despite certain driving offenses on your record. The filing fee is generally inexpensive, though insurance with an SR-22 can be costly.

Examples of offenses that might require an SR-22:

• DUI, DWI or other serious moving violations
• Reckless driving
• Accidents resulting in suspension or revocation
• Accumulation of too many driving violation points
• Driving without insurance

If you have any of these offenses on your record, you may need an SR-22. Once you buy an insurance plan that meets your state’s requirements, request your insurer to file the SR-22 form with the DMV.

You usually need to keep an SR-22 for at least three years. Failing to do so could lead to a license suspension.

Average SR-22 car insurance cost in Louisiana

The average cost of SR-22 car insurance in Louisiana is $3,390. This is $2,375 more expensive than the SR-22 insurance in New Hampshire, the least expensive state.

However, it’s also $651 cheaper than in Michigan, the most expensive state for SR-22 insurance.

However, several factors can affect the cost of SR-22 insurance, including why you need the SR-22, your driving history and your city.

Cheapest SR-22 insurance companies in Louisiana

Insurance rates usually increase if you have an SR-22. But not all insurance companies have the same rates for people with an SR-22. The companies listed below have some of the lowest rates available in Louisiana.

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Cheap SR-22 insurance in Louisiana by city

As discussed above, where you live greatly affects how much SR-22 insurance costs. Below, you’ll find the cheapest SR-22 insurance rates in major cities across Louisiana.

SR-22 insurance requirements in Louisiana

The Louisiana DMV mandates all drivers in Louisiana to have the following minimum car insurance coverage:

• $15,000 for injury or death per person
• $30,000 for injury or death per accident
• $25,000 for property damage per accident

These are only the minimum requirements. Experts suggest getting more coverage than the mandated coverage levels. While it might increase your premium, the extra coverage can be very helpful if you’re in a costly at-fault accident.

How much does SR-22 in Louisiana cost with a DUI?

Some insurance companies are much more forgiving than others if you have a DUI. Some charge a few hundred dollars more, while others charge thousands more per year.

Note: In the table below, “filing only” represents the cost of a policy including the fee to file the SR-22 – without considering the reason why someone needed an SR-22.

How to get the cheapest SR-22 insurance in Louisiana

If you need an SR-22 in Louisiana, your insurance premiums might be very high. However, there are ways to save on car insurance, whether you need an SR-22 or not.

First, it’s a good idea to shop around. Different insurance companies can offer very different rates. Some companies specialize in high-risk drivers and may give you better SR-22 rates.

Another way to lower your insurance costs with an SR-22 is to improve your driving record. It might take some effort, but it’s worth it if you want better rates. A simple step is taking a defensive driving course, which can result in having points removed from your record. Check with your insurer to see if completing such a class could get you a discount. You can also look into usage-based insurance. These programs use technology to monitor your driving habits in exchange for (potentially) lower rates.

Sebastian Hov, CEO of 18 Insurance, an insurance agency based in Sacramento, California, recommends the following:

• Shop around. Different insurance companies offer varying rates for SR-22 insurance. It’s crucial to compare quotes from multiple providers to find the best option.
• Pay upfront. Paying your premium in full rather than in monthly installments can sometimes result in lower overall costs.
• Opt for non-owner insurance. If you don’t own a vehicle but need to maintain SR-22 coverage, non-owner car insurance can be 5% to 15% cheaper than a standard policy.

Non-owner SR-22 insurance in Louisiana

Some states might require you to get an SR-22 even if you don’t own a car. This proves you have the minimum liability insurance your state requires, which is often needed to get your driver’s license back after a suspension or revocation for violations like a DUI or multiple traffic offenses.

Non-owner insurance policies are for people who don’t own a car but still drive and need to meet SR-22 requirements or maintain coverage. This type of insurance provides liability protection when driving someone else’s car and helps you meet state requirements to get your license back after violations like a DUI or multiple traffic offenses.

It’s generally a cheaper option than a standard car insurance policy since it only covers liability.

Read more about how non-owners car insurance works in Louisiana

Who needs SR-22 insurance?

Remember that an SR-22 is not a separate insurance policy. Instead, it’s a certificate that shows your state’s DMV that you have at least the minimum insurance coverage required.

For instance, if you have a DUI on your record, the state will require you to prove that you have enough insurance to be financially responsible.

Keep in mind that not all driving offenses require an SR-22. You will be notified if you require an SR-22. If you aren’t sure if you need one, ask your local DMV or an attorney who has experience with traffic laws.

How long do you need SR-22 insurance in Louisiana?

You typically need to maintain an SR-22 for three years.

During this period, you must maintain continuous coverage without any lapses. If your policy is canceled or lapses, your insurer must notify the state, which could result in further penalties or a license suspension.

The bottom line on SR-22 in Louisiana

Louisiana’s average SR-22 insurance rate is $3,390, compared to the overall average car insurance cost in Louisiana, which is $3,197. That means Louisiana’s SR-22 rate is $192 more per year.

But remember that there are a lot of factors that can affect insurance premiums.

What our expert says

Q: How can you save on SR-22 insurance?

Sebastian HovCEO, 18 Insurance.

“Shop around: Different insurance companies offer varying rates for SR-22 insurance. It’s crucial to compare quotes from multiple providers to find the best option.”

Resources and Methodology

Methodology

Insure.com gathered rates from Quadrant Information Services for all states, including Washington, D.C. The rates are based on a sample driving profile of a 40-year-old male and female who drives a Honda Accord LX and opts for a full-coverage policy with coverage limits of 100/300/100 and a $500 comprehensive and collision deductible across most ZIP codes. We analyzed 5,000,736 insurance quotes from 27 companies.

Bob Haegele

Contributing Researcher

 

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Bob Haegele is a personal finance writer. He covers car insurance, health insurance and life insurance. While working in the corporate world he started a personal finance blog. He later left his corporate job and began freelance writing full-time. Since then, he has made it his mission to help people master their money. His work has been featured in Business Insider, Forbes Advisor, Bankrate, FinanceBuzz and others.