Farm Bureau provides the cheapest SR-22 insurance in Louisiana, with monthly rates of $124 for minimum coverage and $284 for full coverage, about 56% below the state average. Keep in mind these rates apply to 40-year-old drivers with a DUI. State Farm, Progressive, AAA and GEICO might offer better rates for your specific situation.
Cheapest SR-22 Car Insurance in Louisiana
Updated: September 11, 2025
Advertising & Editorial Disclosure
Key Takeaways
Farm Bureau provides the cheapest SR-22 car insurance in Louisiana with premiums averaging $124 per month or $1,486 per year.
On average, Louisiana drivers filing an SR-22 pay $341 monthly in car insurance costs for minimum coverage and $671 per month for full coverage.
Louisiana requires SR-22 insurance to cover $15,000 per person and $30,000 per accident for injuries, plus $25,000 for property damage if your license is suspended.
Cheapest SR-22 Car Insurance in Louisiana
| Farm Bureau | $124 | $284 | -56% |
| Progressive | $184 | $516 | -25% |
| State Farm | $205 | $451 | -30% |
| AAA | $212 | $541 | -20% |
| Geico | $222 | $584 | -14% |
* Rates represent a 40-year-old male driver with a DUI, good credit and a 2012 Toyota Camry LE.
Have auto insurance questions?Chat with Charlie now.
Cheapest SR-22 Car Insurance in Louisiana by Category
Farm Bureau leads Louisiana's SR-22 insurance market, offering the cheapest rates in six out of seven categories studied. While GEICO provides the most affordable coverage for drivers with other violations, Farm Bureau consistently offers better rates for most high-risk situations.
| Most Drivers Needing a SR-22 | Farm Bureau | $124 | $284 |
| Young Drivers With a Suspension | Farm Bureau | $150 | $332 |
| Senior Drivers With a Suspension | Farm Bureau | $131 | $291 |
| Drivers With Multiple Speeding Tickets | Farm Bureau | $117 | $270 |
| Drivers With Racing Violation | Farm Bureau | $122 | $279 |
| Drivers With Hit-And-Run Accident | Farm Bureau | $123 | $282 |
| Drivers With Other Violations | Geico | $122 | $337 |
* Rates for most drivers are represented by a 40-year-old male driver with a DUI, good credit and a 2012 Toyota Camry LE. All other profiles are modifications of these factors. Young drivers are represented by 25-year-olds, and seniors are represented by 65-year-olds; all other violations represent those with suspensions that are not due to driving violations.
Cheapest Personalized SR-22 Car Insurance in Louisiana
Our general rankings show top providers, but your best insurance rates depend on personal details. Compare prices from the five most affordable companies based on your age, gender, coverage needs, credit and driving history in the table below.
Data filtered by:Results filtered by:
Select
Age:25
Select
Gender:Female
Select
Coverage Level:100/300/100 Comp/Coll $1000 Deductible
Select
Credit Score:Below Fair
Select
Driving Record: 2 speeding tickets (11-15 MPH over limit)
| Geico | $625 | $7,497 | -52% |
| Allstate | $1,048 | $12,575 | -20% |
| Progressive | $1,188 | $14,254 | -9% |
| State Farm | $1,399 | $16,784 | 7% |
| AAA | $1,654 | $19,848 | 27% |
Cheapest SR-22 Car Insurance in Louisiana by City
Farm Bureau offers the cheapest SR-22 car insurance in Louisiana, with rates starting at $69 per month in Logansport. You can review their rates for major cities in the Pelican State below.
| Alexandria | Farm Bureau | $120 |
| Baton Rouge | Farm Bureau | $155 |
| Lafayette | Farm Bureau | $124 |
| Logansport | Farm Bureau | $69 |
| Mandeville | Farm Bureau | $104 |
| Metairie | Farm Bureau | $133 |
| Natchitoches | Farm Bureau | $71 |
| New Orleans | Farm Bureau | $165 |
| Shreveport | Farm Bureau | $88 |
* Rates represent a 40-year-old male driver with a DUI, good credit and a 2012 Toyota Camry LE.
Best Cheap SR-22 Car Insurance Companies in Louisiana
Progressive stands out as the best car insurance provider for SR-22 filing in Louisiana, offering an excellent balance of affordable rates, strong customer service and comprehensive coverage options. Consider Farm Bureau, State Farm, AAA and GEICO as additional options for your SR-22 insurance needs.
While Farm Bureau offers the lowest rates, Progressive earns the top overall score due to its perfect 5/5 customer experience rating compared to Farm Bureau's 2/5.
| Progressive | 4.79 | 3 | 1 | 2 |
| Farm Bureau | 4.74 | 1 | 2 | 5 |
| State Farm | 4.56 | 2 | 3 | 4 |
| AAA | 4.47 | 4 | 4 | 4 |
| Geico | 4.36 | 5 | 5 | 4 |
Progressive
Best Overall for SR-22 Insurance in Louisiana
4.7/5Affordability
5/5Customer Experience
4.8/5Coverage Options
Average Monthly Full Coverage Cost
$516For 100/300/100 liability and $1,000 deductible comprehensive and collision coverage for drivers with an SR-22Average Monthly Minimum Coverage Cost
$184For minimum state coverage for drivers filing an SR-22Best For
Customer Experience
How Much Is SR-22 Car Insurance in Louisiana?
SR-22 car insurance in Louisiana costs $4,096 annually for minimum coverage and $8,047 for full coverage policies. The Pelican State ranks 41st for minimum coverage affordability and 40th for full coverage. Monthly premiums range from $165 to $1,712, depending on your driver profile.
| Minimum Coverage | $341 | $4,096 | 94% |
| Full Coverage | $671 | $8,047 | 101% |
*Average rates shown represent a 40-year-old male driver with a DUI, good credit and a 2012 Toyota Camry LE.
Average SR-22 Car Insurance Cost by Louisiana City
Louisiana drivers find the lowest SR-22 insurance rates in Logansport at $211 monthly, while New Orleans residents pay the highest premiums at $504 per month. Compare costs for major cities across the state for both full and minimum required coverage policies.
Data filtered by:Results filtered by:
Select
Coverage Type:Minimum Coverage
| Alexandria | $328 | $3,934 |
| Baton Rouge | $353 | $4,236 |
| Lafayette | $314 | $3,769 |
| Logansport | $211 | $2,532 |
| Mandeville | $289 | $3,473 |
| Metairie | $361 | $4,328 |
| Natchitoches | $231 | $2,770 |
| New Orleans | $504 | $6,044 |
| Shreveport | $247 | $2,969 |
* Rates shown are for a 40-year-old male driver with a DUI, good credit and a 2012 Toyota Camry LE.
Louisiana SR-22 Insurance Requirements
To comply with Louisiana laws, you must carry these minimum liability limits:
- $15,000 personal injury liability per person
- $30,000 personal injury liability per accident
- $25,000 property damage liability per accident
In the state, SR-22 certificates are usually required for three years. This period can extend to five years or more, depending on the violation and if there is noncompliance with requirements or repeated offenses.
TYPES OF SR-22 FILINGS
For comprehensive protection, Louisiana residents can opt for an SR-22 Operators-Owner Certificate. This joint filing combines traditional and non-owner policies, providing coverage whether you're driving your own car or someone else's vehicle. This option proves particularly useful for drivers who frequently alternate between their own and other people's vehicles.
Other Louisiana SR-22 Insurance Laws and Regulations
Louisiana drivers must understand multiple insurance laws and regulations beyond just filing an SR-22 to meet the state's minimum coverage requirements.
- First offense: requires one-year of SR-22 coverage
- Second offense within five years: results in a two-year suspension with continued SR-22 requirement
- Third offense within five years: leads to a three-year suspension with continued SR-22 requirement.
SR-22 Filing and Reinstatement Fees
The SR-22 filing fee ranges from $25 to $50 while license reinstatement fees range from $100 to $300, depending on the violation type. Louisiana offers payment plans for fees exceeding $250.
Coverage Lapses and Cancellations
If your SR-22 insurance lapses or is canceled, your insurance company must notify the Louisiana Office of Motor Vehicles immediately. Your license will be suspended again until you file a new SR-22 and meet reinstatement requirements.
SR-22 Requirement Duration
The standard SR-22 requirement is three years; this extends to five years for serious violations involving injuries, death or substantial property damage. For non-driving violations:
SR-22 Filing Process
To file an SR-22 in Louisiana, contact an insurance company licensed to do business in Louisiana and purchase a policy that meets Louisiana's minimum requirements. The insurance company electronically files the SR-22 with the Louisiana Office of Motor Vehicles, with processing typically completed within 72 hours.
WHAT TO DO IF PROVIDERS DENY YOU COVERAGE
The Louisiana Automobile Insurance Plan (LAIP) serves as a safety net for drivers who cannot find standard auto insurance coverage. Drivers must show proof of rejection from at least two insurance companies before applying to LAIP, which then assigns them to an insurance provider based on the company's market share in the state. While LAIP guarantees coverage for eligible drivers, including those needing SR-22 filings, it typically comes with higher premium costs than standard insurance policies.
Cheap SR-22 Insurance in Louisiana: Bottom Line
In Louisiana, drivers with severe violations must file an SR-22 to prove they have minimum coverage. This requirement lasts three to five years, depending on the offense. While an SR-22 costs more, cheap car insurance options are available for these drivers.
SR-22 Insurance Louisiana: FAQ
Below are frequently asked questions about SR-22 certifications in Louisiana:
What are the cheapest SR-22 car insurance options in Louisiana?
Farm Bureau provides Louisiana's cheapest SR-22 car insurance at $124 per month for minimum coverage. Progressive and State Farm follow as the next most budget-friendly options.
How much does filing an SR-22 increase car insurance rates in Louisiana?
Filing an SR-22 increases car insurance rates in Louisiana by 101% compared to drivers with clean records.
How long do you need to have an SR-22 in Louisiana?
In Louisiana, drivers must maintain an SR-22 and continuous insurance coverage for three years. Letting coverage lapse resets the SR-22 period and can lead to additional penalties.
How We Decided the Best and Cheapest SR-22 Insurance in Louisiana
MoneyGeek analyzed hundreds of thousands of quotes across Louisiana to determine the average cost of car insurance premiums for drivers with various profiles that would likely need an SR-22. All data was sourced from Quadrant Information Services and extrapolated by our team to give you personalized recommendations for your specific profile.
Louisiana SR-22 Driver Profile
We collected data for a sample driver with the following attributes and modified it to other common profiles for those needing an SR-22:
- 40-year-old male
- Driving record with a DUI
- 2012 Toyota Camry LE
- 12,000 miles driven annually
- Suspended license
- Single
- No claims history
Coverage Levels and Deductibles
We gathered quotes for minimum coverage policies to help drivers find the cheapest SR-22 insurance for their coverage needs. Quotes were based on Louisiana's minimum coverage requirements, with the following limits:
- $15,000 personal injury liability per person
- $30,000 personal injury liability per accident
- $25,000 property damage liability per accident
We based our analysis for full coverage quotes that include comprehensive and collision protection on these coverage amounts with a $1,000 deductible:
- $100,000 bodily injury liability per person
- $300,000 bodily injury liability per accident
- $100,000 property damage liability per accident
Our Best SR-22 Company Rating Methodology
We rated all companies based on the following rating scale:
- Affordability (60% of score): We analyze premium costs by gathering quotes across multiple driver profiles and comparing pricing against regional competitors. This substantial weight reflects the primary concern most consumers have when selecting insurance coverage.
- Customer experience (30% of score): Our customer service evaluation includes Google reviews, J.D. Power scores, AM Best financial ratings, and consumer feedback from Reddit discussions. We check these different sources to see how companies really perform for their customers.
- Coverage options (10% of score): We evaluate the breadth and depth of available coverage types, examining both the quantity of options and the distinctiveness of specialized benefits or unique features each provider offers.
Learn more about MoneyGeek's car insurance methodology.
About Mark Fitzpatrick
Mark Fitzpatrick, a Licensed Property and Casualty Insurance Producer, is MoneyGeek's resident Personal Finance Expert. With over five years of experience analyzing the insurance market, he conducts original research and creates tailored content for all types of buyers. His insights have been featured in publications like CNBC, NBC News and Mashable.
Fitzpatrick holds a master’s degree in economics and international relations from Johns Hopkins University and a bachelor’s degree from Boston College. He's also a five-time Jeopardy champion!
Passionate about economics and insurance, he aims to promote transparency in financial topics and empower others to make confident money decisions.
