Find cheap car insurance quotes for SR22
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Find cheap car insurance quotes for SR22
Enter zip to see insurers who file SR22s.
Your information is secure.
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.
SR-22s are often required after a driving conviction, such as driving without insurance or a DUI conviction. With such severe convictions on your driving record, you’re considered a “high risk” driver by the state and most providers.
Talk to your provider about how much you can expect your rates to increase. And make sure you understand your role in maintaining your insurance and your SR-22. A lapse or nonrenewal could set you back a lot of money and time.
You might see listed as 15/30/25 in insurance documents.
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.
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.
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’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.
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.
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.
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.
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.
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.
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My DL is suspended by Louisiana State Revenue Office. Would a SR-22 allow me to drive as a Church Pastor to get to preaching engagements, Hospital visits etc… ???
Hi Roland,
Thanks for contacting finder.
Yes, an SR-22 will allow you to drive without a license provided your fall under these conditions:
-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.
To know how to file an SR-22, please refer to the information above.
Hope this helps.
Regards,
Nikki