Cheapest SR-22 Car Insurance in Louisiana (2024)

An SR-22 is not a car insurance policy but a certificate proving financial responsibility after certain moving violations. In Louisiana, you or your insurer must file this form to show you meet the state minimum coverage requirements. The SR-22 itself doesn't affect your rates, but the infractions necessitating it can lead to increased premiums.

For those with a DUI needing SR-22, the two most affordable state minimum coverage car insurance options are Louisiana Farm Bureau with an average annual rate of $667 and State Farm at $871 per year. For individuals who don't own a vehicle but still need to meet the state's insurance requirements after a moving violation, State Farm offers non-owner SR-22 car insurance at a competitive annual rate of around $944. GEICO follows closely at around $1,146 per year.

The cheapest companies for state minimum coverage SR-22 car insurance in Louisiana are:

• Louisiana Farm Bureau: $56 per month; $667 per year
• State Farm: $73 per month; $871 per year

The least expensive providers for full coverage car insurance SR-22 insurance in Louisiana are:

• Louisiana Farm Bureau: $113 per month; $1,358 per year
• State Farm: $185 per month; $2,218 per year

After a moving violation, insurance rates tend to rise as insurers see you as a higher risk. Despite this, you can still find affordable cheap SR-22 car insurance by shopping around. It's crucial to compare quotes to find the best rates for your needs.

The companies with the cheapest non-owner SR-22 insurance in Louisiana are:

• State Farm: $79 per month; $944 per year
• GEICO: $96 per month; $1,146 per year

Non-owner car insurance can fulfill the state minimum coverage requirements for individuals who need to file an SR-22 but do not own a vehicle. This is often necessary after a license suspension, revocation or serious traffic offenses. Finding the most affordable insurance provider is crucial for non-owner drivers, especially when managing the costs associated with maintaining an SR-22 certification.

An SR-22 is a certificate that you or your insurer file with the state of Louisiana to prove you have the necessary auto insurance coverage. It's not actual insurance but a form showing you meet legal requirements. An SR-22 is typically required for three years after certain traffic violations like DUI, driving without insurance or repeat traffic offenses. If your SR-22 is canceled, terminated or lapsed, insurance providers are obligated to notify the state's Public Safety Department.

An SR-22 insurance verifies that you hold Louisiana's minimum car insurance requirements, which include:

• $15,000 for bodily injury liability per person
• $30,000 for bodily injury liability per accident
• $25,000 for property damage liability per accident

If you don't own a car, you'll need SR-22 non-owner car insurance instead. Remember, having an insurance policy card is not the same as having an SR-22.

Louisiana drivers or their insurance companies must file an SR-22 following certain moving violations to keep their licenses. This form proves you carry the state minimum coverage after serious offenses. If you have a DUI, have been caught driving without insurance, have committed serious traffic violations or are reinstating a suspended license, expect to need an SR-22 for three years. The required state minimum coverage in Louisiana is 15/30/25. If your policy gets canceled, your insurer will notify the state.

Below are specific violations that require an SR-22, ensuring you stay road-legal.

Filing an SR-22 in Louisiana can lead to higher insurance rates and limited coverage options. Apart from the additional fees, insurers might deny you coverage or cancel your policy mid-term. It's vital to keep your insurance active because any break in coverage could reset your SR-22 requirement. In Louisiana, an SR-22 is typically required for three years.

Understanding the consequences of not filing an SR-22 is important. It helps you avoid legal issues and maintain the minimum coverage needed on the road. These are the ways an SR-22 negatively impacts your car insurance:

The average annual cost of SR-22 car insurance for drivers with a DUI in Louisiana is $3,206 for full coverage and $1,162 for state minimum coverage. In comparison, drivers with a clean record pay an average of $2,170 per year for full coverage and $764 per year for state minimum coverage.

The SR-22 certificate doesn't increase your rates, but the violations that necessitate it do. If you have repeat offenses or have committed a severe violation, your insurer might not renew your policy or could raise your rates at renewal.

Filing an SR-22 in Louisiana is crucial following serious traffic violations, including DUIs. Without the form, you risk license suspension. It's a mandatory three-year commitment to maintain minimum coverage. Here are the steps to secure an SR-22 in Louisiana:

If your SR-22 lapses in Louisiana, your driving privileges will be resuspended. You need minimum coverage auto insurance to avoid this. Getting a new SR-22 certificate to reinstate your license involves a fee. Keep your insurance up to date to stay legal on the road.

If you need car insurance after a DUI, expect that the violation can increase your car insurance rates. For example, in Louisiana, a driver aged 30 to 59 with a clean driving record might pay an annual premium of $764, but the same driver with a DUI pays around $1,162 per year. That's a monthly jump from about $64 to $97.

However, you can still find affordable car insurance. If you're required to file an SR-22, you can start with state minimum coverage for three years.

Finding affordable SR-22 insurance in Louisiana can be tough. Get answers to your questions about securing low-cost SR-22 car insurance in the Pelican State.