SR22 Insurance in Louisiana
In Louisiana, if your license has been suspended for any moving violations or you have been convicted of a more serious driving-related offense then The Louisiana Office of Motor Vehicles will likely need you to obtain an SR-22 from a licensed auto insurance company to get your license reinstated.
SR22 insurance in Louisiana certifies that you have the state-mandated minimum car insurance coverage required to drive or to have your license reinstated after having been convicted of one of a few serious driving offenses.
SR-22 requirements in Louisiana are unique to the state. So it’s important for you to understand how this will impact your insurance rate, driving record and other factors.
Who needs an SR22 insurance in Louisiana?
In Louisiana, drivers who’ve had their licenses suspended after being convicted of one or more of the below listed infractions need to file an SR22 certificate to get their license reinstated–
- Convicted for driving with a blood-alcohol level of .08 or above (DUI/DWI)
- Who refuse to take a breathalyzer test
- Convicted of serious moving violations, i.e. reckless driving, speeding etc
- Failed to provide valid proof of insurance or providing false documents
- Caught driving on suspended or revoked license
- Accumulating excessive amount of tickets over a short period of time
- Unpaid legal judgements
- Failure to pay child support
What is the basic minimum coverage needed for drivers requiring SR22 in Louisiana?
The state of Louisiana requires all drivers requiring an SR22 Insurance to have a basic minimum coverage of –
- $15,000 for bodily injury to one person
- $30,000 for bodily injury to more than one person in a single accident
- $25,000 for property damage
How do I file SR-22 in Louisiana?
Your SR22 insurance in the state of Louisiana can be acquired from your auto insurance provider who will file your SR22 form with The Louisiana Office of Motor Vehicles for a fee.
SR22InsuranceNow can help you file SR22 in Louisiana. Just give us a call at 888-885-3948 (tollfree). An SR22 specialist will get you free SR22 quotes from top providers in Louisiana. You can compare rates and save big!
All this can happen just over a phone call. Once you choose the provider, they will file SR22 on your behalf with The Louisiana Office of Motor Vehicles (OMV) for a minimum fee. You will receive a copy of the form and a letter from the OMV once your SR22 insurance form filing has been accepted.
How much does an SR-22 cost in Louisiana?
In Louisiana, your insurance provider will charge you a filing fee of $15 to $35 to file for an SR22. However the filing fee isn’t the most expensive part of the SR22 Insurance. Once you are asked to get an SR22 Insurance, you are termed as a “high-risk” driver by the state of Louisiana and most of the auto insurance providers, resulting in higher insurance premiums hitting your wallet hard.
The increase in premium amount you pay depends on the provider you choose, severity of your driving violation, age, and many other factors.
You can check the table below to get an estimate of how much does a SR22 insurance cost in Louisiana after being convicted of one of the below mentioned driving infractions-
|High-risk rating factor||Average annual rate||Increase vs. no violations|
|At-fault crash over $2,000||$3,538||$1,159|
|Speeding of 21-25 mph over the limit||$3,135||$576|
How long do I need an SR-22 in Louisiana?
In Louisiana, all drivers requiring an SR22 insurance must maintain it for a minimum of three years (36 months).
If you cancel or let your SR22 insurance policy lapse prematurely, your auto insurance company will file an SR26 with the OMV, informing them about the lapse in your SR22. After which the OMV will suspend your driving privileges until you get your SR22 renewed.
Non Owner SR22 Insurance in Louisiana
In Louisiana, Non Owner SR22 insurance is required for drivers who drive a car but don’t own it. This includes coverage for any damage caused by the driver in an accident.
The cost of a non-owner SR22 insurance in Louisiana depends on a few components including age, sexual orientation, postal division, conjugal status, driving record, and FICO score.
SR22InsuranceNow can help you find top insurance providers in Louisiana that offer non-owner SR22 insurance. It just takes a couple of minutes and you can have your non – owner SR22 documented on the same day. Call us at 888-885-3948 today!
How to get cheap SR22 insurance in Louisiana without a car?
In Louisiana, if you are required to file SR-22 but you don’t own a car, you have to get a Non – Owner SR22 Insurance. This insurance covers the cost of any damage caused by the driver while driving.
The best way to get cheap SR22 insurance even if you don't own a car is to shop around and get quotes from multiple providers and compare rates. SR22InsuranceNow can help you get FREE SR22 insurance quotes from top insurance providers. You can compare rates and save big!
Call us now at our toll-free number 888-885-3948.
Louisiana Laws & Penalties
According to Louisiana state laws, you are not supposed to operate a vehicle when your BAC level is 0.08. There will be harsher penalties if the BAC level is above 0.15% or you committed the offense with a minor in the vehicle.
For first-timers, the penalties include jail term up to 6 months, fines up to $1000, license suspension up to one year (2 years if BAC is above 0.2%), up to 32 hours of community service, possible court-approved substance abuse program, possible court improved driver improvement program.
Get a Free, No-obligation SR22 Auto Insurance Quote in Louisiana