Which Louisiana Insurance Companies Offer the Cheapest SR-22 Insurance?
Auto insurance for a driver who needs SR-22 insurance in Louisiana is more expensive than a standard policy due to the severity of the violation. The average cost of a minimum Louisiana car insurance policy for a driver who needs an SR-22 form due to a DUI is $2,267 per year. In comparison, the annual average for drivers with a clean record is $1,323.
The least expensive car insurance provider in Louisiana for drivers who need an SR-22 form is Southern Farm Bureau, which has an average annual premium of $1,031. Meanwhile, the most expensive option, MetLife, has an average cost of $5,741 per year.
Cheapest Companies for SR-22 Insurance in Louisiana
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- CompanyAverage Annual Rate
- 1.Southern Farm Bureau$1,031
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The costs provided in the table are for an auto insurance policy that meets the minimum liability coverage requirement in Louisiana or for a full-coverage policy with $100,000 bodily injury liability coverage per person, $300,000 for injuries per accident and $100,000 in property damage coverage.
Beyond these numbers, insurance providers will calculate car insurance rates based on individualized factors. Considering the cost of SR-22 insurance in Louisiana, that includes the filing fee, driving violation and loss of discounts. If you want to find the most affordable rate, it is best to compare quotes from at least three insurers.
Those willing to pay a little bit more for better insurance can also shop for the best car insurance companies in Louisiana.
Drivers who need SR-22 insurance will have to pay a one-time filing fee that costs around $25.
If you were previously eligible for any good driver discounts, you will lose these once you commit a severe traffic violation, making your premium even more expensive.
The severity of the offense will determine the average cost of your auto insurance. For instance, insuring a driver with a hit-and-run collision requires high premiums.
What Is SR-22 Insurance in Louisiana? Who Needs It? How Do You Get It?
SR-22 insurance in Louisiana is a form and not a separate policy. Your insurer will file it with the state on your behalf to ensure that your coverage is enough to meet the minimum liability requirements in Louisiana. SR-22 insurance is necessary if a Louisiana driver commits a severe driving violation, like a DUI. Insurance after a DUI has a higher insurance premium than a policy for a driver with a clean record.
SR-22 insurance in Louisiana certifies that a driver has enough auto insurance coverage to comply with the state minimum liability coverage requirements. The state requires the following coverages:
- $15,000 bodily injury liability coverage per person
- $30,000 bodily injury liability coverage per accident
- $25,000 property damage liability coverage per accident
Read more with MoneyGeek's Louisiana car insurance resources or estimate rates with our Louisiana car insurance calculator.
Who Needs SR-22 Insurance in Louisiana? And for How Long Do They Need It?
The violations that can result in an SR-22 requirement depend on the state. But, in most cases in Louisiana and elsewhere, a driver will almost certainly have to file for SR-22 coverage if they commit any of the following offenses:
- Reckless driving
- Driving without insurance coverage
- Driving with a suspended license
For minor traffic violations, such as a ticket or an at-fault accident, SR-22 insurance will not be necessary. Insurance after an accident may cost more than when you had a clean record, but it will not be as high as the rate for a policyholder with SR-22 insurance. Shop around and ask for personalized quotes from multiple insurers to find the best deal.
How long you will have to maintain SR-22 insurance in Louisiana will be based on the severity of your conviction. But, in most cases, it is three years from the date of your conviction. Your driving privileges may also be suspended. In that case, you will have to go through the reinstatement process.
How Do You Get SR-22 Insurance in Louisiana?
Your insurance carrier will file a form for SR-22 insurance in Louisiana upon your request. But since high-risk drivers have to secure SR-22 status, some insurers may choose not to cover you. Companies offering insurance policies for Louisiana drivers who need SR-22 insurance will likely increase your annual premium.
Non-Owner SR-22 Insurance in Louisiana
SR-22 car insurance is a requirement for Louisiana drivers who have had their licenses revoked as a result of a violation such as a DUI. SR-22 insurance will provide proof that you have liability insurance coverage as per the state's minimum requirements, which is necessary to get your license reinstated. This requirement applies to both car owners and non-owners.
In Louisiana, the cheapest option for drivers without a car is non-owner SR-22 car insurance. For people who need proof of insurance to get a license, non-owner car insurance policies are the best option. This type of insurance is also the best way for people who do not own cars but need proof of liability insurance coverage to drive rentals or drive a borrowed car from a friend or relative.
The average cost of non-owner car insurance in Louisiana is $1,319 per year. If you are looking for cheap non-owner SR-22 car insurance in Louisiana, the cheapest companies are USAA at a cost of roughly $884 per year. However, USAA is only available to current and former members of the military, so the cheapest option for most drivers in Louisiana is State Farm which costs about $1,066 per year.
The Average Cost of Non-Owner SR-22 Car Insurance in Louisiana
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- CompanyAverage Annual Rate
MoneyGeek used rates based on a non-owner car insurance policy for drivers with a DUI on their record in Louisiana who are purchasing coverage limits of $50,000 per person bodily injury liability, $100,000 per accident bodily injury liability and $50,000 per accident property damage liability.
FAQs About SR-22 Insurance in Louisiana
Louisiana drivers may have some questions about SR-22 insurance, such as the rates, filing process and who they should shop with. Here are the answers to some of the most common questions.
Read More About Car Insurance
MoneyGeek analyzed car insurance premiums from eight of the top insurance companies in Louisiana that were provided in partnership with Quadrant. Our analysis includes quotes from ZIP codes across Louisiana. Quotes were gathered for policies that meet the state’s minimum coverage requirements and for full-coverage policies with $100,000 in bodily injury liability insurance per person, $300,000 in bodily injury liability insurance per accident and $100,000 in property damage liability per accident. Rates are for the same driver with both a clean record and a DUI.
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