Cheapest SR-22 Car Insurance in Louisiana

Louisiana Farm Bureau offers the cheapest SR-22 insurance in the state at $56 monthly for minimum coverage, 44% less than the state average of $100. It's also the most affordable for full coverage at $113.

State Farm offers Louisiana's cheapest non-owner SR-22 insurance at $79 per month or $944 annually. Drivers with an SR-22 filing can purchase non-owner insurance to meet state minimum coverage requirements even if they don't own a vehicle. 

The table below shows providers offering non-owner SR-22 insurance and their average minimum coverage costs.

The average cost of car insurance in Louisiana for drivers with an SR-22 is $1,195 annually for minimum coverage — 53% higher than the $780 average for those with clean records.

Full coverage for SR-22 drivers averages $3,252 annually, 48% higher than the $2,202 drivers with clean records pay.

Having an SR-22 form doesn't raise your insurance rate by itself. The cost depends on your type of violation. The table below compares the price of SR-22 insurance for common violations across different age groups.

An SR-22, sometimes called "SR-22 insurance," is a document that proves you meet the state’s minimum coverage requirements. After certain driving violations, you may need to file it to reinstate your license. Insurers often view SR-22 filers as high-risk drivers, leading to higher car insurance premiums.

An SR-22, also called an SR-22 bond or certificate of financial responsibility, isn't an insurance policy. It's a certification your insurer files to confirm you have enough insurance to meet the reinstatement requirements under the Louisiana Financial Responsibility law.

In Louisiana, having an SR-22 is mandatory for three years after serious traffic violations. This form certifies to state officials that you meet the minimum coverage requirements. To comply with SR-22 laws, drivers must meet the following requirements:

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

In Louisiana, SR-22 certificates are usually required for three years.

Along with using an SR-22 for three years to comply with Louisiana's minimum coverage laws, drivers must follow these other rules:

• Fees: You must pay a fee to regain driving privileges and file the SR-22 form to prove liability coverage.
• Insurers' policies: After an SR-22 filing, your current insurer may cancel or refuse to renew your policy, requiring you to find a new provider.
• Continuous coverage: You must maintain uninterrupted coverage during the three-year SR-22 period. Lapses can result in penalties or license suspension, as insurers must notify the state of coverage gaps.
• Relocation: If you move out of Louisiana during the SR-22 period, coordinate with your insurer for out-of-state filing.
• Cancellation: After completing the three-year requirement, your insurer must file a financial responsibility cancellation with the state, confirming you’ve fulfilled the SR-22 obligation.

To avoid penalties and reinstate your license after a serious violation, keep your SR-22 insurance active for the entire required period. You must get an SR-22 insurance quote if you don't have coverage. Finding SR-22 insurance can be tougher than for drivers with clean records, as insurers might cancel or deny your policy when you file.

High-risk drivers in Louisiana may find fewer companies offering coverage, often leading to limited choices and higher premiums. When getting an SR-22 insurance quote, check with your insurer for the exact fee amount if you're filing for the first time. Use the following tips to find cheaper SR-22 insurance:

Non-owner car insurance covers people who drive but don’t own a car, protecting them when using someone else’s vehicle. It’s cheaper than standard insurance and works well for frequent renters or rideshare drivers.

After buying a non-owner policy, your insurer can file an SR-22 if needed. This helps meet legal requirements and may reinstate your license after three years.

Drivers with serious offenses must file an SR-22 to meet state minimum coverage requirements. The form is required for three years for severe or repeat violations. An SR-22 form costs more, but you can find cheap car insurance providers in Louisiana.

Below are frequently asked questions about SR-22 certifications in Louisiana:

MoneyGeek analyzed 127,836 quotes from nine companies across 258 ZIP codes to determine the average cost of car insurance premiums for Louisiana drivers with various profiles and needs.

Louisiana Driver Profile

We collected data for a sample driver with the following attributes:

• 40-year-old male
• Driving record with a DUI or an at-fault accident causing $1,000 to $1,999 in property damage
• 2012 Toyota Camry LE
• 12,000 miles driven annually

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

For the most affordable policy with comprehensive and collision coverage — also called full coverage — we used the following limits 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

Learn more about MoneyGeek's car insurance methodology.