If you need an SR-22 for auto insurance in Louisiana, don't worry. This relatively common legal requirement is sometimes necessary after a violation such as a DUI, a ticket for driving without insurance, a collision causing substantial property damage, a ticket for driving with a suspended license, or accumulating too many points on your license.
Finding inexpensive car insurance with an SR-22 certificate in Louisiana might not be easy, but it could pay off. We explored how much a Louisiana SR-22 typically costs and how to go about getting one — let's look at the details.
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How much is Louisiana SR-22 insurance?
Insurance with an SR-22 stipulation in Louisiana is often expensive. This isn't a result of the SR-22 itself — filing fees might be just $15 to $35 — but because of the insurance rate increases from the offense that prompted the SR-22.
Insurers charge risky drivers increased rates to account for the more substantial risk of claims payouts. The rate increase you will face will depend on the frequency and severity of infractions — below are average car insurance rates with an SR-22 certificate in Louisiana.
LOUISIANA AUTO INSURANCE RATES BY CITATION
|High-risk rating factor||Average annual rate||Increase vs. clean record|
|At-fault accident (>$2,000)||$3,138.00||$912.77|
|Speeding (21-25 mph > limit)||$2,684.88||$459.65|
|Leaving the scene of an accident||$2,776.63||$551.40|
If you're seeking cheap auto insurance coverage with a SR-22, The Zebra is ready to help. Enter your ZIP code to get personalized auto insurance quotes from popular insurers.
How to get an SR-22 in Louisiana
Currently insured:If you already have car insurance, getting an SR-22 is straightforward. Just call your car insurance company ask them to file a SR-22 certificate request for you. If your current insurer won't request a certificate, you’ll need to shop for a new policy with a new insurance company.
If you're currently uninsured:When filing for car insurance, you might need to pay extra to cover the SR-22 request and to account for your less-than-optimal insurance profile. Needing an SR-22 might disqualify you from purchasing insurance from some carriers, while others will sell you a policy.
For non-owners:Not owning a vehicle makes it tougher to obtain an SR-22, as you will need to show proof of insurance to get a certificate. If you don't own a vehicle, you should purchase a non-owners policy before filing for an SR-22. A non-owners policy is usually cheaper than traditional coverage since it won’t provide protection for physical damages to your automobile.
Between September and December 2017, The Zebra performed auto insurance rate analysis via its proprietary quote engine, comprising data from rating systems and public rate filings. The Zebra analyzed nearly 53 million rates to explore trends related to specific auto insurance rating factors across all United States ZIP codes, averaged by state, including Washington, D.C.