What is SR-22 Insurance in Louisiana?
SR-22 insurance in Louisiana is not a separate policy but a form that your insurer files on your behalf. It is required if you commit a serious driving violation, such as a DUI. Getting insurance after a DUI will result in higher premiums compared to having a clean driving record.
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Violations that May Require SR-22 Insurance in Louisiana
In Louisiana, and in most states, you will likely need SR-22 coverage if you commit the following violations:
- Reckless driving
- Driving without insurance coverage
- Driving with a suspended license
For minor traffic violations, like a ticket or an at-fault accident, SR-22 insurance is not necessary. Though insurance after an accident may cost more than when you had a clean record, it won’t be as high as the rate for policyholders with SR-22 insurance. To find the best deal, compare prices and request personalized quotes from multiple insurers.
Average Cost of SR-22 Insurance in Louisiana
The average cost of a minimum auto insurance policy in Louisiana for a driver needing an SR-22 form due to a DUI is $2,267 per year, whereas the annual average for drivers without any violations is $1,323. The cheapest option for SR-22 insurance in Louisiana is Southern Farm Bureau, with an average annual premium of $1,031. On the other hand, MetLife is the most expensive choice, costing an average of $5,741 per year.
Additional Factors Affecting SR-22 Insurance Rates
Insurance providers take several factors into account when calculating auto insurance rates in Louisiana. These factors include the cost of SR-22 insurance, which includes filing fees, traffic violations, and loss discounts. To find the most affordable rate, it’s best to compare quotes from at least three insurers.
Maintaining SR-22 Insurance in Louisiana
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The length of time you will have to maintain SR-22 insurance in Louisiana depends on the severity of your conviction but is typically three years from the date of your conviction. During this time, your driving privileges may be suspended, requiring you to go through the reinstatement process.
SR-22 Insurance for Non-Owners in Louisiana
For drivers in Louisiana who do not own a car but require proof of insurance to get a license, SR-22 non-owner auto insurance is the best option. This type of insurance also suits those who don’t own cars but need liability insurance coverage to drive a rental vehicle or borrow a car from a friend or relative.
Average Cost of SR-22 Auto Insurance for Non-Owners in Louisiana
The average cost of SR-22 auto insurance for non-owners in Louisiana is $1,319 per year. USAA offers the cheapest rates at around $884 per year, but it is only available to current and former military members. For most drivers in Louisiana, State Farm is the most affordable option, costing about $1,066 per year.
Frequently Asked Questions
Louisiana drivers often have questions about SR-22 insurance. Here are answers to some of the most common queries:
What is SR-22 insurance in Louisiana?
- SR-22 insurance is not a separate policy but a form that your insurer files on your behalf. It is required if you commit a serious driving violation, such as a DUI.
What violations may require SR-22 insurance in Louisiana?
- In Louisiana, you will likely need SR-22 coverage if you commit violations like DUI, reckless driving, driving without insurance coverage, or driving with a suspended license.
How much does SR-22 insurance cost in Louisiana?
- The average cost of a minimum auto insurance policy for a driver needing SR-22 insurance due to a DUI is $2,267 per year. However, rates vary depending on the insurer.
How long do I have to maintain SR-22 insurance in Louisiana?
- The duration of SR-22 insurance depends on the severity of your conviction but is typically three years from the date of your conviction.
Can I get SR-22 insurance if I don’t own a car in Louisiana?
- Yes, you can get SR-22 non-owner auto insurance, which is suitable for drivers who don’t own cars but need liability coverage to drive rental vehicles or borrow cars.
By understanding SR-22 insurance in Louisiana and comparing quotes from different insurers, you can find affordable coverage that meets the state’s requirements. Stay informed and drive safely!