Filing for SR-22 insurance in Louisiana

If you’ve gotten in trouble behind the wheel in Louisiana, you could be ordered by the court to file an SR-22. Here’s a look at how you can get and maintain an SR-22 in Louisiana.

Do I need SR-22 insurance in Louisiana?

Your state DMV will let you know if you need to file an SR-22. You may need to file for an SR-22 if:

• You have a safety-responsibility or unsatisfied-judgment license suspension.
• You’re convicted of a DUI.
• You’re found driving without insurance.
• The state restricts or revokes your license.
• You’re under mandatory insurance supervision.

What if I don’t have a car or license?

You’ll still need to file for an SR-22 to legally drive in Louisiana. If you lose your license because you’re caught driving without insurance, you might be required to carry non-owner insurance to reinstate your license.

What if I’m from another state?

If you have an SR-22 from another state, maintain it while driving in Louisiana. Call the Louisiana Office of Motor Vehicles (OMV) and your insurer to make sure your SR-22 is sufficient in Louisiana.

• Save 3-8% for switching
• High risk drivers welcome
• Minimum & SR-22 coverage

Our top pick: SafeAuto

Known for providing insurance to high-risk customers who may have trouble finding coverage elsewhere, SafeAuto offers a lot of different discounts, from those for homeowners to good drivers.

• Supports high-risk policyholders
• Many discounts available
• Multiple payment options including money transfers

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Compare Louisiana SR-22 car insurance

Find the best rates from insurance providers near you or learn more about state minimums and other requirements in the comprehensive guide to Louisiana car insurance.

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Name	Product	SR-22	Nonowner policy	Payment schedule	States served
The General		Yes	Yes	12 months, monthly	AL, AK, AZ, AR, CA, CO, CT, DE, DC, FL, GA, ID, IL, IN, IA, KS, KY, LA, ME, MD, MN, MS, MO, MT, NE, NV, NH, NM, NY, NC, ND, OH, OK, OR, PA, RI, SC, SD, TN, TX, UT, VT, VA, WA, WV, WI, WY	The General offers affordable coverage for nearly any driver who needs car insurance.	Get quotes More Info	Compare	loading Fetching your data...
Esurance		Yes	No	12 months, monthly	AL, AZ, AR, CA, CO, CT, FL, GA, ID, IL, IN, IA, KS, KY, LA, ME, MD, MA, MI, MN, MS, MO, NE, NV, NJ, NM, NY, NC, ND, OH, OK, OR, PA, RI, SC, SD, TN, TX, UT, VA, WA, WV, WI	Esurance offers a modern online and mobile experience that helps you take your insurance on the go. Available in 42 states.	Get quotes More Info	Compare	loading Fetching your data...
SafeAuto		Yes	Yes	12 months, 6 months, monthly (fee applies)	AZ, GA, IL, IN, KS, KY, LA, MS, MO, OH, OK, PA, SC, TN, TX, VA	Known for providing insurance to high-risk customers who may have trouble finding coverage elsewhere, SafeAuto offers a lot of different discounts, from those for homeowners to good drivers.	Get quotes More Info	Compare	loading Fetching your data...
Direct		Yes	Yes	monthly, custom	AL, AR, FL, GA, LA, MS, MO, NC, SC, TN, TX, VA	Discounts, flexible payments and a life coach that guides you to your best rates and coverage with Direct car insurance.	Get quotes More Info	Compare	loading Fetching your data...
Farmers		Yes	No	monthly, custom	All 50 states	Backed by nearly 100 years in the business, Farmers Insurance aims to offer options and support to help you find the coverage you need.	Get quotes More Info	Compare	loading Fetching your data...
USAA		Yes	Yes	12 months, 6 months, custom	All 50 states	USAA offers affordable car insurance with highly rated customer service to millions of military members and their families. Only available to military members, veterans and affiliated military members.	Get quotes More Info	Compare	loading Fetching your data...

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How much does an SR-22 cost?

Once you’ve purchased or renewed a policy, most providers will file an SR-22 for a fee of $20 to $50.

But it’s not the fee that’s most expensive when you file for an SR-22 — you’ll also typically see higher premiums than you’re used to.

Cheap SR-22 car insurance in Louisiana

Not every insurer offers SR-22 filing support. Compare cheap rates from Louisiana insurance companies that offer SR-22 insurance. Your actual quotes will vary based on your demographics, location, driving record and other factors.

• Quote methodology: driver profile & coverage options

  To get these quotes, we compared median rates for the same driver profile.

  • All ZIP codes in this state
  • Male driver
  • 26–30 years old
  • Married
  • Good credit
  • 2017 Toyota Camry LE
  • State minimum requirements

How do I file an SR-22 in Louisiana?

1. Find an insurer. Ask your insurer if it issues SR-22s in the state of Louisiana. If it doesn’t, you’ll need to find a car insurance company that does.
2. Pay the SR-22 fee. Finalize your SR-22 by paying a fee to your insurer to process and file the form on your behalf.
3. Verify minimum liability coverage. If you’re already insured, call your provider to verify your policy includes at least:
   • $15,000 for injury or death to one person.
   • $30,000 for injury or death to more than one person.
   • $25,000 for damage to property.

   You might see listed as 15/30/25 in insurance documents.

4. Submit your SR-22. Your insurance agent will file your SR-22 with the Louisiana Department of Public Safety.
5. Wait for confirmation. You’ll receive a letter from your insurer and the Louisiana DPS that your SR-22 is accepted.

How long will I need an SR-22?

You’ll be required to maintain SR-22 coverage for at least three years. If you don’t want to maintain the SR-22 filing for that long, and you can afford it, Louisiana will also accept a deposit of $30,000–$50,000 in cash or securities.

What happens if I let my SR-22 lapse?

A lapse in your coverage can come in one of several ways. Failing to file on time, ending your coverage with a provider or your insurer canceling your policy due to continually late payments are just a few reasons you may have a gap.

Your license will likely be suspended in the event of an SR-22 lapse. To earn your license back you’ll need to renew your coverage and pay a $60 SR-22 cancellation suspension fee.

What happens when I don’t need SR-22 coverage anymore?

Once you’re through the entirety of your filing period, you’ll want to confirm with the OMV that you’re clear before you change plans to avoid getting your license suspended. Your insurer will be the next agency to contact. You can discuss your current policy, what’s available to you and if needed you can then change to a different provider.

Bottom line

A serious driving conviction takes time and money to deal with, but it can be done. To make the journey as smooth as possible it’s important to keep a clean record during your filing period, keep up on insurance payments and renew your insurance early or on time.

You’ll still have options when it comes to insurance providers, even with a mark on your record. Compare various insurers to get the full scope of what’s available to you, and get a plan that fits your needs.