SR-22 Auto Insurance in Louisiana

If you need an SR-22 to acquire auto insurance in Louisiana, you're not the only one. This fairly common legal requirement is often needed after a citation like a DUI conviction, a citation for driving without proof of insurance, an accident with substantial property damage, a citation for driving with a suspended license, or accuring too many points on your license.

Finding affordable insurance with a SR-22 in Louisiana might require some research, but it might be worthwhile. The Zebra examined how much a SR-22 certificate might cost in Louisiana and how to request one — let's take a look.

How much should you expect to pay for an SR-22 in Louisiana?

Auto insurance with an SR-22 in Louisiana is often costly. This isn't because obtaining the SR-22 certificate is expensive — typical filing fees are $15 to $35 — but a product of the insurance cost increases initiated by the driving violation that made the SR-22 necessary to begin with.

Auto insurance companies bill risky drivers more to account for the heightened risk of claims payouts. The rate increase you’ll receive may depend on the number and severity of your citations — below are typical auto insurance prices after an SR-22 in Louisiana.

High-risk rating factorAverage annual rateIncrease vs. no violations
No violations$2,379
At-fault collision (>$2,000)$3,538$1,159
Speeding (21-25 mph > limit)$3,135$756
Reckless driving$3,368$990

If you’re looking for reasonably priced car insurance after obtaining a SR-22 certificate, we are ready to help. Submit your ZIP code below to receive individualized auto policy quotes from top insurers.

How to acquire an SR-22 in Louisiana

For currently insured drivers

If you possess an active auto insurance policy, obtaining an SR-22 certificate isn't too tough. Phone your car insurance company request they file a SR-22 request on your behalf. If your current car insurance company refuses to file an SR-22 request, you should look for a new auto insurance company.

For uninsured drivers

When applying for a new policy, you might need to pay extra for the prospective insurer to file an SR-22 request form and to cover your more risky driving profile. Needing an SR-22 certification could disqualify you from purchasing insurance from some companies, while others may happily sell you a policy.

If you aren't a vehicle owner

Needing an SR-22 might disqualify you from purchasing insurance from some companies, while others would be happy to sell you a policy.

For drivers without a vehicle

Not owning a vehicle makes it more difficult to obtain an SR-22, as you will need to furnish proof of insurance to receive the certificate. If you don't own a vehicle, you should get a non-owners auto insurance policy before filing for an SR-22. Non-owners car insurance should be less costly than traditional coverage since it doesn't protect against physical damage to your vehicle.


we conducted comprehensive auto insurance pricing analysis using its proprietary insurance quote engine, comprising data from rating systems and public rate filings. The Zebra assessed nearly 53 million premiums to identify trends related to car insurance rating factors across all U.S. ZIP codes, averaged by state, including Washington, D.C.

Learn more about SR-22 certificate requirements and their effect on insurance premiums.

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Kristine LeeManager, Content and Data

Kristine is a licensed insurance agent who joined The Zebra in 2019 as an in-house content researcher and writer.

She is an authority on all things insurance and covers the ins and outs of auto, home, life and renters insurance. Her specialty is in providing data-backed insights and information to help insurance shoppers make informed decisions.

Kristine's insurance expertise and research have been cited by publications such as CNBC, Car and Driver, Business Insider, Yahoo!, The Balance, Nationwide and Elephant.