SR-22 Insurance in Louisiana: Cost, Requirements, and Cheapest Companies
In Louisiana, drivers who need SR-22 insurance pay about $193 per month for coverage — higher than the state average of $157.
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Writer: Taylor Milam-Samuel Insurance Writer
Writer: Taylor Milam-Samuel Insurance Writer
Qualifications:
8+ years writing for major outlets, including MarketWatch and Business Insider
Master’s in Education
Taylor Mlam-Samuel is a personal finance writer and credentialed educator. When she’s not helping readers better save and spend money, she can be found teaching.
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Editor: Katie PowersLicensed P&C Agent, Senior Insurance Editor
Editor: Katie PowersLicensed P&C Agent, Senior Insurance Editor
Qualifications:
Licensed auto and home insurance agent
4+ years experience in insurance and personal finance editing
NPN: 20564519
Katie uses her knowledge and expertise as a licensed property and casualty agent in Massachusetts to help readers understand the complexities of insurance shopping.
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Reviewer: MacKenzie KorrisLicensed P&C Agent, Senior Insurance Copy Editor
Reviewer: MacKenzie KorrisLicensed P&C Agent, Senior Insurance Copy Editor
Qualifications:
Licensed property and casualty insurance agent
10+ years editing experience
NPN: 21630969
MacKenzie Korris is an insurance copy editor with a producer’s license for property and casualty insurance in Missouri.
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Quick Facts
An SR-22 is a form your insurance company sends to the state to show that you have the minimum auto coverage the state requires.
In Louisiana, SR-22 liability coverage costs about $131 per month, which is higher than the rate for drivers with a clean record.
You usually need an SR-22 certificate in Louisiana if you get a DWI, are at fault in an accident while uninsured, or have multiple serious traffic violations.
SR-22 requirements in Louisiana
An SR-22 is a form your car insurance company sends to the Louisiana Office of Motor Vehicles (OMV) to show that you have at least the state’s minimum liability coverage: $15,000 for bodily injury per person, $30,000 per accident, and $25,000 for property damage.[1]
Insurance companies usually charge a one-time fee of $15 to $50 to file this form, which is separate from any state reinstatement fees. The state’s reinstatement fees range from $25 to $525 depending on the violation.[2]
Most people need to keep SR-22 coverage in Louisiana for three years. If your coverage ends or you cancel it, your insurer must notify the OMV.[3] A lapse in coverage can lead to license suspension. You need to file a new SR-22 and pay reinstatement fees before you can drive again.
SR-22 Insurance | Louisiana Requirement |
|---|---|
| Minimum liability limit | $15,000 bodily injury per person, $30,000 per accident, $25,000 property damage |
| Filing fee | $15–$50 |
| Filing duration | Three years |
| Who typically needs the SR-22 form | DWI or DUI conviction, chemical-test refusal, at-fault accident while uninsured |
| Reinstatement fees | $25–$525 |
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Liability policies average $131 /mo. for drivers with an SR-22
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How much is SR-22 insurance in Louisiana?
In Louisiana, SR-22 insurance averages $131 per month for liability-only coverage and $257 for full coverage. Compared to the state averages of $106 and $209 for liability only and full coverage, SR-22 insurance costs a good bit more.
If you need an SR-22, it usually means you had a driving while intoxicated (DWI) conviction, caused an accident, or the state suspended your license. Because of this, insurance companies consider you high risk and charge more.
The extra amount you pay depends on how serious your violation was, your driving record, and which insurance company you pick. Some companies focus on high-risk drivers and may offer better SR-22 rates than others.
Driver Profile | Average Monthly Cost: Liability Only | Average Monthly Cost: Full Coverage |
|---|---|---|
| Clean record | $106 | $209 |
| With SR-22 | $131 | $257 |
Disclaimer: Table data is based on real-time Louisiana quotes from Insurify’s network of 500+ insurance partners. Actual rates may vary depending on the policyholder’s individual profile and coverage needs.
Cheapest companies for SR-22 insurance in Louisiana
SR-22 insurance rates vary by company, so it’s a good idea to compare quotes from multiple Louisiana insurers. State Farm has the lowest SR-22 rates in Louisiana, with liability-only coverage costs of $65 per month, according to Insurify data.
See other cheap insurers offering SR-22 insurance in the table below, along with their average monthly liability-only and full-coverage rates.
The below rates in Louisiana are estimated rates current as of: Wednesday, September 30 at 5:00 PM PDT.
Insurance Company | Liability Only | Full Coverage |
|---|---|---|
| State Farm | $65 | $144 |
| National General | $78 | $174 |
| Progressive | $78 | $184 |
| USAA | $81 | $182 |
| Allstate | $97 | $214 |
| GEICO | $108 | $243 |
| Direct Auto | $110 | $253 |
| The General | $129 | $411 |
| Bristol West | $148 | $350 |
| Root | $179 | $340 |
| Safeco | $196 | $331 |
Disclaimer: Table data sourced from real-time Louisiana car insurance quotes from Insurify's 500+ partner insurance providers and quote estimates from Quadrant Information Services. Actual car insurance quotes in Louisiana may vary based on the policy buyer's unique driver profile.
When do you need SR-22 insurance in Louisiana?
Louisiana drivers usually need an SR-22 after a DWI or underage DUI conviction. You must show a certificate of financial responsibility for three years from the date of conviction. If you refuse a breathalyzer test during a DWI arrest, you also need an SR-22 certificate for three years, starting from the arrest date.
If you’re uninsured and cause an at-fault accident, you must get an SR-22 while you make payments under a judgment installment agreement and keep it for three more years after you finish paying.[4] The state considers each situation individually.
How to get SR-22 insurance in Louisiana
In Louisiana, your insurer usually handles most of the SR-22 filing, but you’ll still need to follow a few steps to get coverage:
Confirm you need SR-22 insurance. In Louisiana, you often need a certificate if you have a DWI or underage DUI conviction, refuse a chemical test, or are on a payment plan for an at-fault accident. You can check your status using the Louisiana OMV’s Driver’s License Status Check tool.
Complete the mandatory waiting period. You must finish it before you can renew your suspended license.
Find a licensed insurance company. Not all insurers offer SR-22 coverage, so you might need to switch companies or add an SR-22 to your current policy.
Ask your insurer to file electronically. You don’t usually need to send anything yourself. The process takes a few business days.
Pay your insurer’s one-time filing fee. The filing fee ranges from $15 to $50, but the exact cost varies depending on your insurer.
Submit court orders or other required documents. You can finish the reinstatement process online, by phone, by mail, or by appointment at an OMV field office.
Keep the SR-22 form active. Make sure to keep your coverage active for the full three years without any gaps.
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How long does Louisiana require SR-22 insurance?
You typically need to keep SR-22 coverage in Louisiana for three years, but the exact timing depends on your violation. You may need to keep it even longer if you have more than one offense or let your coverage lapse.
Make sure to follow all the required steps, keep up with paperwork, and avoid any lapses in coverage.
Louisiana SR-22 insurance FAQs
Below are answers to several of the most common questions Louisiana drivers have about SR-22 insurance.
How do you get an SR-22 insurance certificate in Louisiana?
In Louisiana, your insurance company files the SR-22 certificate electronically with the state Office of Motor Vehicles after you request it. Usually, you only need to send fees or documents to the OMV yourself, and your insurer can provide guidance.
How long is SR-22 insurance required in Louisiana?
You typically need SR-22 coverage for three years in Louisiana. The start date depends on your situation. It could be the date of your DWI conviction, the date of your arrest for refusing a chemical test, or the date you paid off an accident judgment.
How much does SR-22 insurance cost after a DWI in Louisiana?
SR-22 liability-only coverage costs $131 per month in Louisiana, on average. It’s more expensive than liability coverage for drivers who don’t need SR-22 insurance.
Sources
- Louisiana Department of Insurance. "Consumer's Guide to Auto Insurance."
- Louisiana Department of Public Safety. "Reinstatement Fees and Installment Agreements."
- Louisiana State Legislature. "Notification of the cancellation or issuance of security; penalties; database development."
- Louisiana Department of Public Safety. "Proof of Future Financial Responsibility (SR22)."
Methodology
Insurify data scientists analyzed more than 250 million quotes served to car insurance applicants in Insurify’s proprietary database to calculate the premium averages displayed on this page. These premiums are real quotes that come directly from Insurify’s 500+ partner insurance companies in all 50 states and Washington, D.C. Quote averages represent the median price for a quote across the given coverage level, driver subset, and geographic area.
Unless otherwise specified, quoted rates reflect the average cost for drivers between 20 and 70 years old with a clean driving record and average or better credit (a credit score of 600 or higher).
Liability-only premium averages correspond to policies with the following coverage limits:
- Bodily injury limits between state-minimum rates and $50,000 per person, $100,000 per accident
- Property damage limits between $10,000 and $50,000
- No additional coverage
- Comprehensive coverage with a $1,000 deductible
- Collision coverage with a $1,000 deductible
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Writer: Taylor Milam-Samuel Insurance Writer
Writer: Taylor Milam-Samuel Insurance Writer
Qualifications:
8+ years writing for major outlets, including MarketWatch and Business Insider
Master’s in Education
Taylor Mlam-Samuel is a personal finance writer and credentialed educator. When she’s not helping readers better save and spend money, she can be found teaching.
Editor: Katie PowersLicensed P&C Agent, Senior Insurance Editor
Editor: Katie PowersLicensed P&C Agent, Senior Insurance Editor
Qualifications:
Licensed auto and home insurance agent
4+ years experience in insurance and personal finance editing
NPN: 20564519
Katie uses her knowledge and expertise as a licensed property and casualty agent in Massachusetts to help readers understand the complexities of insurance shopping.
Reviewer: MacKenzie KorrisLicensed P&C Agent, Senior Insurance Copy Editor
Reviewer: MacKenzie KorrisLicensed P&C Agent, Senior Insurance Copy Editor
Qualifications:
Licensed property and casualty insurance agent
10+ years editing experience
NPN: 21630969
MacKenzie Korris is an insurance copy editor with a producer’s license for property and casualty insurance in Missouri.