Cheapest SR-22 Car Insurance in Louisiana (2024)

State Farm provides the most affordable minimum and full coverage SR-22 insurance policies in Louisiana. It also offers the cheapest plans for drivers who do not own a vehicle.

If you commit a serious traffic offense like a DUI in Louisiana, you may be required to file an SR-22 form. Most traffic violations requiring an SR-22 will significantly increase your insurance rates. But bear in mind that your insurance rates are primarily influenced by your driving violation and not the SR-22 itself. Many affordable SR-22 car insurance policies are available for both car owners and non-car owners.

The cheapest SR-22 auto insurance providers in Louisiana for drivers with a DUI record are:

• State Farm: $580 per year
• Louisiana Farm Bureau: $687 per year

The same insurers also provide the most affordable SR-22 plans with full coverage in Louisiana:

• State Farm: $1,391 per year
• Louisiana Farm Bureau: $1,448 per year

Following a driving offense, insurance premiums may increase due to the heightened risk that the policyholder presents to the insurer. The following are some affordable choices for SR-22 car insurance in Louisiana, with yearly premiums ranging from roughly $580 to $1,576.

You may be required to submit an SR-22 as evidence of financial responsibility if you violate certain traffic regulations. Many scenarios in which you'll need an SR-22 are common nationwide, even if particular laws vary by state. The following are some typical instances that may require an SR-22 filing:

• DUI, DWI or other significant traffic offense
• Multiple traffic violations in a brief period of time
• Driving without insurance
• Having a collision record without sufficient insurance coverage
• Renewal of license that has been suspended or revoked

Your SR-22 must be kept on file for at least three years in Louisiana. Nevertheless, the time frame could be extended based on the offense and the number of convictions you have.

Per state law, your insurance provider is responsible for filing the SR-22 form on your behalf and submitting it to Louisiana's DMV. MoneyGeek offers comprehensive information and deeper insights on SR-22 auto insurance.

The following are the most affordable SR-22 non-owner auto insurance providers in Louisiana:

• State Farm: $944 per year
• GEICO: $1,146 per year

In Louisiana, drivers with military affiliations can find affordable car insurance coverage with USAA, which offers an average yearly premium of $847.

A non-owner driver might need to submit an SR-22 if their license was suspended or revoked following severe traffic violations, such as DUI. Obtaining non-owner auto insurance and meeting other requirements set by the authorities are important steps to reinstating your license and maintaining legal driving status.

After reviewing the options, we found that the cost of SR-22 car insurance for non-owners can range from $944 to $2,061 per year, as shown in the table below.

The average cost of SR-22 insurance for a driver with a DUI in Louisiana is $1,036 for minimum coverage and $2,755 for full coverage. It is important to note that even minor infractions, such as speeding and at-fault accidents, may also necessitate the submission of this document. This could classify you as a high-risk driver and potentially increase your car insurance premiums.

Louisiana drivers who need to file an SR-22 can expect an average increase in their insurance costs by $361 per year. Your coverage level, driving history and the severity of the violation may all impact your rates.

A requirement to submit an SR-22 may result from driving without adequate insurance, failing to pay court-ordered child support, receiving a hardship license, a DWI/DUI conviction or a history of several traffic infractions.

Filing an SR-22 in Louisiana after a significant traffic violation may result in repercussions beyond increased insurance rates. Filing the SR-22 document can lead to various outcomes, including:

To purchase auto insurance in Louisiana after a traffic infraction, you typically need to take the following steps:

• Look for an insurance company that will cover drivers with tickets and other driving violations.
• Get an insurance policy that meets the state's minimum liability requirements.
• Request that your insurance provider complete an SR-22 form on your behalf as evidence of your financial responsibility.
• Pay all fees on time and adhere to the mandatory duration for maintaining the SR-22 form.

By following these steps, you can demonstrate to the relevant authorities that you are taking responsibility for your driving record and maintaining adequate insurance coverage.

Buying SR-22 car insurance following a DUI conviction may be expensive due to the increased risk you present to insurers. You can reduce your insurance costs by comparison shopping and fulfilling certain conditions, such as attending an alcohol awareness program or DUI training. No matter how much it costs, each driver needs auto insurance to protect themselves and others.

MoneyGeek addressed a few commonly asked questions about SR-22 insurance for drivers in Louisiana.