SR-22 Insurance — Louisiana
Louisiana requires 15/30/25 liability coverage and is an at-fault state.
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Louisiana at a Glance
15/30/25
Minimum liability limits, in thousands of dollars (per person / per accident / property)
At-fault
The at-fault driver's insurance pays for the damage they cause
Optional
PIP and uninsured motorist coverage are not required by law
$125
State license reinstatement fee
Source: state DMV, insurance department and statute records, verified July 2026
Minimum Coverage Requirements in Louisiana
Louisiana operates under a tort liability system — the at-fault driver's insurance pays for damages. All drivers must carry proof of financial responsibility, typically satisfied through liability insurance. The Louisiana Office of Motor Vehicles enforces these requirements, and suspended drivers face specific reinstatement conditions tied to the suspension cause.
Bodily Injury Liability
Property Damage Liability
SR-22 Certificate of Financial Responsibility
Non-Owner SR-22 Policy
What Drivers Pay in Louisiana
$260–$508/mo
Typical monthly rate in Louisiana, high-risk drivers after a DUI
Rate data: ValuePenguin and Insurify, 2026
What Affects Your Rate
- Prior coverage lapse longer than 30 days disqualifies you from most standard carriers, forcing placement with non-standard insurers at 2–3× standard rates
- Age under 25 with SR-22 requirement often doubles premiums — young suspended drivers face the steepest rates in Louisiana
Compare Louisiana Insurers That File SR-22s
Get My Louisiana SR-22 Auto Insurance QuoteIf your license is suspended
Restricted license (economic/medical hardship, RS 32:415.1)
A restricted license is available while suspended.
A coverage lapse is reported
The state acts on a lapse after 10 days.
Source: state DMV, insurance department and statute records, verified July 2026
Frequently Asked Questions
How long do I need SR-22 in Louisiana after a DUI?
Louisiana typically requires SR-22 for three years after a DUI conviction, measured from the reinstatement date, not the conviction date. If your policy lapses at any point during those three years, the Louisiana Office of Motor Vehicles re-suspends your license and the three-year clock restarts from zero. Missing a single payment can cost you three additional years of filing.
Can I get non-owner SR-22 insurance in Louisiana if I don't have a car?
Yes. Louisiana accepts non-owner SR-22 policies for most reinstatements. The policy covers you when driving borrowed or rental vehicles and satisfies the state's proof-of-insurance requirement. If you purchase or register a vehicle later, you must convert to a standard policy within 30 days — driving your own car under a non-owner policy voids the SR-22 and triggers immediate re-suspension.
What happens if my SR-22 insurance lapses in Louisiana?
Your insurance carrier notifies the Louisiana Office of Motor Vehicles within 10 days of cancellation or non-payment. The OMV re-suspends your license immediately, and you must refile SR-22 and restart the entire three-year requirement from the beginning. There is no grace period — even a one-day lapse resets the clock.
Does Louisiana require SR-22 for driving without insurance?
Yes. Louisiana suspends your license for driving uninsured, and reinstatement almost always requires SR-22 filing. The suspension length depends on whether this is a first offense (typically 90 days minimum) or a repeat offense (up to one year). You must maintain SR-22 for three years after reinstatement, and any lapse during that period restarts the requirement.
Can I switch SR-22 insurance carriers in Louisiana?
Yes, but you must avoid any coverage gap. The new carrier must file SR-22 before the old policy cancels — even one day without active SR-22 on file triggers license re-suspension. Coordinate the switch carefully: purchase the new policy, confirm the new carrier has filed SR-22 with the Louisiana Office of Motor Vehicles, then cancel the old policy.
Do I need SR-22 insurance while my license is still suspended in Louisiana?
Usually yes. Louisiana requires proof of insurance as a reinstatement condition for most suspensions, which means you must purchase and maintain SR-22 coverage even while suspended. The SR-22 filing proves to the Office of Motor Vehicles that you carry continuous coverage — you cannot reinstate without it. Waiting until after reinstatement to buy insurance delays your license recovery.
Coverage Types
SR-22 Insurance
Proof-of-insurance filing required by Louisiana Office of Motor Vehicles after DUI, uninsured driving, excessive points, or certain suspensions. Not a separate policy — your carrier files the SR-22 form electronically with the state and monitors your coverage continuously.
Non-Owner SR-22
Liability-only policy for suspended drivers who do not own a vehicle but need SR-22 to reinstate their license. Covers you when borrowing or renting cars. Does not cover vehicles you own or vehicles registered to household members.
Liability Insurance
Covers bodily injury and property damage you cause to others. Required in Louisiana at 15/30/25 minimums, but these limits exhaust quickly in serious accidents.
Uninsured Motorist Coverage
Pays your medical bills and repairs if an uninsured or hit-and-run driver injures you. Optional in Louisiana but strongly recommended given the state's uninsured driver rate.
Non-Standard Auto Insurance
High-risk insurance for drivers rejected by standard carriers due to DUI, suspensions, lapses, or excessive violations. Premiums run 2–3× standard rates but provide the only path to SR-22 filing for many suspended drivers.