Cheapest SR-22 Car Insurance in Louisiana

Farm Bureau provides Louisiana's cheapest SR-22 insurance at $1,486 for minimum coverage and $3,410 for full coverage. The minimum rate is $3,170 below the state average of $4,656, or about 56% cheaper, a notable discount given Louisiana's historically high loss costs.

GEICO, the most expensive on our list, costs $2,669 for minimum coverage, still 14% below the state average but $1,183 more than Farm Bureau. Even in Louisiana's expensive market, choosing the right carrier makes a substantial difference in your SR-22 premium.

The table below lists the five companies providing the most affordable SR-22 coverage options in Louisiana.

* Rates represent a 40-year-old male driver with a DUI, good credit and a 2012 Toyota Camry LE.

Farm Bureau most frequently wins categories statewide. The cheapest category is Drivers With Multiple Speeding Tickets, at $1,405 for minimum coverage SR-22 insurance with Farm Bureau, while the most expensive is Young Drivers With a Suspension, at $1,801 with Farm Bureau. The $396 spread shows how age and suspension history increase SR-22 premiums even with the same carrier.

Your SR-22 premium will hinge on the violation type, how recent it is, and the way each insurer models risk in Louisiana.

* 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.

Logansport is Louisiana's cheapest city for minimum coverage SR-22 insurance at $831 (Farm Bureau), while New Orleans averages $1,979 (Farm Bureau). The $1,148 gap equals about 138% higher in New Orleans, reflecting dense traffic, higher claim severity, and elevated repair costs in the metro.

Urban crash rates, theft levels and repair expenses contribute heavily to city-to-city SR-22 differences in Louisiana.

* Rates represent a 40-year-old male driver with a DUI, good credit and a 2012 Toyota Camry LE.

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.

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.

*Average rates shown represent a 40-year-old male driver with a DUI, good credit and a 2012 Toyota Camry LE.

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.

* Rates shown are for a 40-year-old male driver with a DUI, good credit and a 2012 Toyota Camry LE.

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.

Louisiana drivers must understand multiple insurance laws and regulations beyond just filing an SR-22 to meet the state's minimum coverage requirements.

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.

Below are frequently asked questions about SR-22 certifications 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.