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.

Louisiana law requires 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

You'll need an SR-22 certificate for three years in Louisiana. That extends to five years or longer if you commit repeat offenses or fail to meet requirements.

Louisiana drivers need to understand several insurance laws beyond SR-22 filing to meet state minimum 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:

Louisiana SR-22 requirements hit hardest in parishes with high DUI rates like Orleans, East Baton Rouge and Caddo, where insurers already charge premium rates for basic coverage. Getting slapped with an SR-22 on top of those elevated base rates creates a financial squeeze that forces many drivers into LAIP, the state's high-risk pool. We built our analysis around Louisiana's unique insurance environment where SR-22 drivers face both hurricane-related rate pressures and some of the nation's strictest post-violation monitoring.

Our Research Approach

We analyzed hundreds of thousands of quotes across Louisiana from Quadrant Information Services, focusing on drivers with profiles requiring SR-22 filings. This statewide approach captures Louisiana's dramatic rate variations between coastal parishes facing hurricane risk and northern parishes with different risk profiles.

Sample Driver Profile

We built our baseline around a 40-year-old single male with a DUI, driving a 2012 Toyota Camry LE for 12,000 miles yearly with a suspended license and no claims history. This profile represents Louisiana's most common SR-22 scenario: DUI offenders seeking license reinstatement after suspension.

We picked these characteristics because Louisiana courts frequently suspend licenses for DUI violations, and middle-aged drivers with DUIs represent the largest segment of SR-22 filers statewide. The Camry reflects Louisiana's preference for reliable sedans that survive the state's rough roads and flooding risks.

Coverage Levels We Compared

We gathered quotes for minimum coverage meeting Louisiana's 15/30/25 requirements since many SR-22 drivers need the cheapest legal option after paying DUI fines, court costs and license reinstatement fees. These minimum limits barely cover modern accident costs, but financial reality forces many Louisiana SR-22 drivers to start here.

For full coverage quotes, we used 100/300/100 liability limits plus comprehensive and collision with $1,000 deductibles. This level makes sense for Louisiana SR-22 drivers who own their vehicles and need protection from the state's frequent flooding, high theft rates in urban areas and uninsured motorist risks. Louisiana's 12% uninsured motorist rate means SR-22 drivers benefit from stronger coverage if financially possible.

How We Rated Companies

• Affordability (60% of score): We compared premium costs across multiple driver profiles against Louisiana competitors. This heavy weight reflects SR-22 drivers' primary concern after violations drain their finances through fines, legal fees and reinstatement costs.
• Customer experience (30% of score): We checked Google reviews, J.D. Power scores, AM Best financial ratings and Reddit discussions to see how companies actually treat customers. SR-22 drivers need insurers who won't drop them at renewal or delay processing SR-22 paperwork that keeps licenses suspended.
• Coverage options (10% of score): We evaluated available coverage types and specialized benefits each provider offers, though most SR-22 drivers prioritize cost over extras given their limited budgets post-violation.

Learn more about MoneyGeek's car insurance methodology.