Cheapest SR-22 Car Insurance in Louisiana: 2026 Rates and Requirements

Find the cheapest SR-22 insurance in Louisiana. Compare rates by provider and violation, learn filing requirements, and get quotes today.

Written by Mark Fitzpatrick

Updated: April 27, 2026

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Key Takeaways

State Farm offers the lowest SR-22 minimum coverage rate in Louisiana at $186 per month across all violation types.

Louisiana drivers with a DUI pay an average of $155 per month for minimum SR-22 coverage, $50 above the clean-record baseline of $105 per month.

Louisiana requires SR-22 filing for three years from reinstatement. A coverage lapse immediately re-suspends your license and restarts the clock.

Cheapest SR-22 Insurance in Louisiana

State Farm offers the lowest SR-22 minimum coverage rate in Louisiana at $186 per month. AAA is the second-cheapest option at $225 per month, a $39 monthly gap. Louisiana drivers with a clean record pay $105 per month for minimum coverage, meaning an SR-22 requirement pushes rates 77% higher on average. Note that Farm Bureau offers lower rates within specific violation categories as low as $117 per month for drivers with multiple speeding tickets, but State Farm's $186 rate reflects the aggregate across all serious violation types.

Drivers seeking the lowest possible monthly cost to reinstate their license should start with State Farm at $186 per month. Drivers with a financed vehicle who need full coverage car insurance in Louisiana will find State Farm's full coverage rate of $420 per month is also the most competitive. Drivers whose credit score dropped alongside their driving record can review options at car insurance for drivers with bad credit to see how credit-based pricing affects their SR-22 rate.


State Farm	$186	$420	32%
AAA	$225	$570	11%
Geico	$234	$621	5%
Progressive	$242	$682	-3%
Allstate	$363	$937	-45%

Cheapest SR-22 by Violation in Louisiana

Farm Bureau offers the lowest SR-22 rate for drivers with multiple speeding tickets at $117 per month for minimum coverage, the cheapest rate across all violation categories. Young drivers with a suspension pay the highest minimum coverage rates, with Farm Bureau at $150 per month, a $33 monthly gap above the cheapest category. Drivers with a DUI should review car insurance after a DUI to understand how their specific record affects available rates.


Drivers With Hit-And-Run Accident	Farm Bureau	$123	$282	62%
Drivers With Multiple Speeding Tickets	Farm Bureau	$117	$270	57%
Drivers With Other Violations	Geico	$122	$337	36%
Drivers With Other Violations	Farm Bureau	$141	$330	34%
Drivers With Racing Violation	Farm Bureau	$122	$279	61%
Most Drivers Needing a SR-22	Farm Bureau	$124	$284	60%
Most Drivers Needing a SR-22	Progressive	$184	$516	31%
Senior Drivers With a Suspension	Farm Bureau	$131	$291	59%
Young Drivers With a Suspension	Progressive	$211	$586	32%
Young Drivers With a Suspension	Farm Bureau	$150	$332	59%

Cheapest SR-22 Insurance in Louisiana by City

Logansport is the cheapest city for SR-22 insurance in Louisiana at $69 per month for minimum coverage, while New Orleans is the most expensive at $165 per month, a $96 monthly spread. Farm Bureau is the cheapest company in every Louisiana city analyzed, from Logansport to New Orleans. Drivers looking to reduce their monthly premium can compare options at cheapest car insurance in Louisiana to see how SR-22 rates compare to standard policies.


Logansport	Farm Bureau	$69	$186	61%
Natchitoches	Farm Bureau	$71	$189	64%
Shreveport	Farm Bureau	$88	$218	59%
Mandeville	Farm Bureau	$104	$231	61%
Alexandria	Farm Bureau	$120	$271	60%
Lafayette	Farm Bureau	$124	$269	57%
Metairie	Farm Bureau	$133	$294	60%
Baton Rouge	Farm Bureau	$155	$337	53%
New Orleans	Farm Bureau	$165	$383	63%

Best SR-22 Insurance Companies in Louisiana

Progressive earns the top MoneyGeek score for SR-22 insurance in Louisiana, leading on customer experience, making it the best fit for drivers who want reliable service and claims support during their three-year filing period. Louisiana SR-22 drivers who prioritize responsive service over the absolute lowest rate will find Progressive's customer experience standing particularly valuable.

Farm Bureau ranks second and earns the highest affordability score among all providers, making it the best choice for drivers who want the lowest possible monthly rate to reinstate their license. Drivers comparing all available options can review best car insurance in Louisiana and the broader list of best car insurance companies to find the right balance of price and service.


Progressive	4.78	4.66	4.82	5
Farm Bureau	4.74	5	2.5	4.98
State Farm	4.55	4.71	2.95	4.78
AAA	4.46	4.6	2.95	4.69
Geico	4.35	4.53	2.95	4.45

Top Pick for SR-22 Customer Experience in Louisiana

Progressive

Progressive earns the top MoneyGeek score for SR-22 insurance in Louisiana, backed by a perfect customer experience score that gives high-risk drivers confidence during their mandatory three-year filing period. The company's NAIC complaint ratio is 0.72, below the national median of 1.00, indicating fewer-than-expected complaints relative to its market share. Our research found Progressive to be a strong all-around choice for SR-22 drivers who want reliable claims handling alongside competitive rates.

Top Pick for Cheapest SR-22 Rates in Louisiana

Farm Bureau

Farm Bureau has the highest affordability score among SR-22 providers in Louisiana, with minimum coverage rates starting as low as $69 per month in cities like Logansport, the most affordable SR-22 option in the state. The company's NAIC complaint ratio is 0.18, well below the national median, reflecting very few customer complaints relative to its size. Our research found Farm Bureau to be the best choice for Louisiana SR-22 drivers whose primary goal is minimizing monthly cost during the reinstatement period.

How Much Is SR-22 Insurance in Louisiana?

Louisiana drivers with a DUI pay an average of $155 per month for minimum coverage SR-22 insurance, compared to $105 per month for drivers with a clean record, a 48% increase. Other violations carry lower rates, with speeding and texting violations averaging $124 per month. Drivers can use the average cost of car insurance in Louisiana guide and the car insurance calculator Louisiana to estimate their specific situation.

Data filtered by:


DUI - BAC >= .08	State Minimum Liability Only	$155	$1,854	No Data
At Fault Accident ($1000-$1999 Prop Dmg)	State Minimum Liability Only	$142	$1,699	No Data
Speeding 11-15 MPH over limit	State Minimum Liability Only	$124	$1,489	No Data
Texting While Driving	State Minimum Liability Only	$124	$1,482	No Data

SR-22 FILING FEE IN LOUISIANA

Louisiana insurers charge a one-time filing fee to submit your SR-22 to the Louisiana Office of Motor Vehicles (OMV). Fees typically run $15 to $25. This fee is separate from your insurance premium and from the state reinstatement fee, which varies by violation type.

Louisiana SR-22 Insurance Requirements

An SR-22 is a certificate of financial responsibility, not an insurance policy. Louisiana requires drivers with suspended licenses or serious violations to file an SR-22 with the Louisiana Office of Motor Vehicles (OMV) to have their driving privileges reinstated. The standard filing period is three years from the reinstatement date. Louisiana does not use FR-44; SR-22 is the only financial responsibility certificate required in the state.

If coverage lapses at any point during the three-year period, the license is re-suspended immediately with no grace period, and the three-year clock restarts from the beginning. Reinstating a suspended license requires a new SR-22 filing plus a reinstatement fee of $60 to $100 paid to the Louisiana OMV. Drivers who need to compare options after a lapse can review SR-22 insurance after a lapse for next steps.

Louisiana Minimum Liability Limits

Louisiana law requires SR-22 drivers to carry at least the state minimum liability limits, referred to as 15/30/25 coverage.

$15,000 Bodily Injury Per Person

Covers injuries to one person in an accident you cause, up to $15,000. Louisiana's per-person limit is below the national median, which means serious injuries can exceed your coverage quickly.

$30,000 Bodily Injury Per Accident

Covers total bodily injury costs across all injured parties in a single accident you cause, up to $30,000. This cap applies regardless of how many people are injured.

$25,000 Property Damage

Covers damage to another person's vehicle or property in an accident you cause, up to $25,000. Louisiana's property damage minimum is close to the national average but may fall short in accidents involving newer vehicles.

SR-22 Filing Types in Louisiana

Louisiana issues two types of SR-22 certificates depending on whether you own the vehicle you drive.

Owners Certificate

Required for drivers who own the vehicle they are insuring. This certificate confirms that your personal auto policy meets Louisiana's minimum liability requirements.

Operators Certificate

A non-owner SR-22 for drivers who do not own a vehicle. Filed with the Louisiana Office of Motor Vehicles (OMV), it covers any non-owned vehicle you operate. Learn more about non-owner SR-22 insurance and non-owner car insurance in Louisiana.

SR-22 Fees, Lapse Rules, and Filing Process

Understanding the costs and consequences tied to your SR-22 helps you avoid resetting the three-year clock.

SR-22 Filing Fee

Insurers charge a one-time fee of $15 to $25 to file your SR-22 with the Louisiana OMV. This fee is set by the carrier and is separate from your insurance premium and the state reinstatement fee.

Coverage Lapse Consequences

Any gap in coverage immediately re-suspends your license. There is no grace period in Louisiana. The three-year SR-22 requirement restarts from scratch, and you must file a new SR-22 and pay the reinstatement fee again before driving legally.

Filing Process

Your insurer files the SR-22 electronically with the Louisiana Office of Motor Vehicles (OMV). Most insurers complete the electronic submission within 24 to 48 hours of policy inception. The OMV confirms receipt within three to five business days.

WHAT TO DO IF INSURERS DENY YOU COVERAGE

If two or more standard market insurers deny you coverage, you may be eligible for the Louisiana Automobile Insurance Plan (LAIP), the state's insurer of last resort. LAIP provides state minimum liability coverage (15/30/25) and is accessible through any licensed Louisiana insurance agent. Rates are higher than voluntary market rates. Drivers with low incomes can also review options at low-income car insurance in Louisiana.

Louisiana SR-22: Bottom Line

State Farm offers the cheapest SR-22 minimum coverage rate in Louisiana at $186 per month, making it the first stop for drivers focused solely on meeting the OMV's reinstatement requirement at the lowest cost. Drivers who also want strong customer service and claims support during the three-year filing period should choose Progressive, which earns the highest MoneyGeek score among Louisiana SR-22 providers. Before the SR-22 period ends, set a calendar reminder to shop standard market rates, because your record clears and premiums can drop substantially. When the three-year clock runs out, use cheapest car insurance in Louisiana to find the best rate for your clean-record profile.

Frequently Asked Questions About SR-22 Insurance in Louisiana

Who has the cheapest SR-22 insurance in Louisiana?

State Farm offers the cheapest SR-22 minimum coverage rate in Louisiana at $186 per month when averaged across serious violations such as DUIs, hit-and-run, and racing convictions. Rates vary by violation type: Farm Bureau is the cheapest option within most individual violation categories, with rates as low as $117 per month for drivers with multiple speeding tickets — the lowest rate across all violation categories analyzed. State Farm's $186 per month reflects the aggregate average across all serious violation types, while Farm Bureau's lower per-category rates apply to specific violations where its pricing is most competitive. Drivers with a DUI or multiple tickets may find a different provider cheaper for their specific record. You can compare all options at SR-22 insurance in Louisiana.

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

Louisiana drivers with a DUI pay an average of $155 per month for minimum coverage SR-22 insurance and approximately $310 per month for full coverage, based on Quadrant Information Services rate data for a 40-year-old male driver with good credit. Compared to a clean-record baseline of around $105 per month for minimum coverage, a DUI raises rates by roughly 48%. Louisiana allows credit scoring as a rating factor, so drivers whose credit was also affected will pay more than the average.

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

Louisiana requires SR-22 filing for three years from the date your license is reinstated. If your coverage lapses at any point, your license is re-suspended immediately and the three-year clock restarts from the beginning. There is no grace period. You must file a new SR-22 and pay the reinstatement fee of $60 to $100 to the Louisiana Office of Motor Vehicles (OMV) before driving again.

Does Louisiana use credit scores to set SR-22 insurance rates?

Yes. Louisiana allows insurers to use credit scores as a rating factor for auto insurance, including SR-22 policies. SR-22 drivers with poor credit pay more than those with good credit for the same violation. This differs from California, where Proposition 103 prohibits credit-based pricing. Louisiana insurers must file their credit scoring models with the state insurance department. Drivers whose credit was affected at the same time as their driving record will see both factors reflected in their SR-22 rate. Drivers in this situation can review car insurance for drivers with bad credit to see how credit-based pricing affects their options.

How much does it cost to file an SR-22 in Louisiana?

Louisiana insurers charge a one-time filing fee of $15 to $25 to submit your SR-22 certificate to the Louisiana Office of Motor Vehicles (OMV). This fee is set by the carrier and is separate from your monthly insurance premium. It is also separate from the state reinstatement fee of $60 to $100, which is paid directly to the OMV before your license can be reinstated. The OMV typically confirms the SR-22 filing within 3 to 5 business days.

What happens if no insurer will cover me for SR-22 in Louisiana?

If two or more standard market insurers deny you coverage, you qualify for the Louisiana Automobile Insurance Plan (LAIP). LAIP is the state's insurer of last resort and provides state minimum liability coverage (15/30/25). You can apply through any licensed Louisiana insurance agent. Rates through LAIP are higher than voluntary market rates, but LAIP provides a legal path to reinstating your license. Drivers can also review options at low-income car insurance in Louisiana.

MoneyGeek analyzed SR-22 insurance rates from Quadrant Information Services across Louisiana cities and violation types. SR-22 rates reflect coverage for drivers with suspended licenses or serious violations including DUIs, speeding convictions, and at-fault accidents.

Clean record baseline rates reflect a 40-year-old male driver with a clean driving record, good credit, and a 2012 Toyota Camry LE driving 12,000 miles annually. Coverage levels analyzed: state minimum liability (15/30/25) and full coverage (100/300/100 with $1,000 deductible).

Rates and rankings are updated regularly as new data becomes available from Quadrant Information Services.

About Mark Fitzpatrick

Mark Fitzpatrick, a Licensed Property and Casualty (P&C) Insurance Producer in Connecticut, is MoneyGeek's resident insurance expert. He has analyzed the insurance market for almost a decade, first with LendingTree and now with MoneyGeek, conducting original research on hundreds of insurance companies and millions of insurance rates for insurance shoppers.

He writes about economics and insurance on MoneyGeek, breaking down complex topics so people can have confidence in their purchase. Like all MoneyGeek analysts, Mark collects and analyzes independent cost and consumer experience data on insurance companies to provide objective recommendations in our content that are independent of any of MoneyGeek's insurance company partnerships.

His insights on products ranging from car, home and renters insurance to health and life insurance have been featured in The Washington Post, The New York Times and NPR, among others.

Mark holds a master’s degree in economics and international relations from Johns Hopkins University and a bachelor’s degree from Boston College. He started his career working in financial risk management at State Street before transitioning to the analysis of the personal insurance market. He's also a five-time Jeopardy champion!

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