SR-22 Non-Owner Coverage
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Louisiana SR-22 & High-Risk Auto Insurance

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

State Requirements

The state mandates SR-22 filing for DUI convictions, license suspensions due to violations or unpaid judgments, uninsured at-fault accidents, and habitual offender designations. SR-22 is a certificate of financial responsibility filed by your insurer directly with the Louisiana Office of Motor Vehicles, proving continuous coverage. For drivers with violations, minimums may not provide adequate protection against personal liability in serious accidents.

Liability Insurance

Louisiana's 15/30/25 minimums are below national averages and can leave high-risk drivers exposed to significant out-of-pocket costs in serious accidents. Many non-standard carriers require higher limits as a condition of writing SR-22 policies. Drivers with previous at-fault accidents should consider 50/100/50 or higher to reduce personal asset risk, especially in Orleans and East Baton Rouge parishes where accident severity and litigation rates are elevated.

SR-22 Insurance

SR-22 is not separate insurance but a filing attached to an existing liability policy. Louisiana requires it for 3 years following specific offenses, and any coverage lapse triggers immediate OMV notification and license suspension. Not all standard carriers offer SR-22 filing—drivers typically obtain coverage through non-standard insurers specializing in high-risk profiles, with premiums often double or triple standard rates during the filing period.

Uninsured Motorist Coverage

Carriers must offer UM limits matching your liability limits unless you reject coverage in writing. This coverage protects you when at-fault drivers flee the scene or carry insufficient coverage, common scenarios in New Orleans and Shreveport metro areas.

Collision Coverage

Optional but required by lenders if you finance or lease a vehicle. Louisiana's high rates of uninsured and underinsured drivers increase the likelihood of hit-and-run incidents, making collision coverage valuable even for drivers with paid-off vehicles in urban areas.

Comprehensive Coverage

Covers non-collision losses including theft, flooding, and storm damage—significant risks in coastal Louisiana parishes prone to hurricanes and severe weather. High-risk drivers in flood-prone areas like Jefferson, Lafourche, and Terrebonne parishes should evaluate comprehensive carefully, as replacement vehicle costs after total loss can exceed the ability to self-insure for most profiles.

Cost Overview

$34/mo

Typical monthly rate in Louisiana, non-owner policies

Rate data: Insure.com, 2026

What Affects Your Rate

  • Type of violation: DUI convictions carry higher surcharges than speeding tickets or lapses
  • Time since violation: rates decrease as violations age beyond 3–5 years
  • SR-22 filing requirement: adds administrative cost and limits carrier options
  • Parish: Orleans, East Baton Rouge, Jefferson, and Caddo parishes have higher base rates due to accident frequency and uninsured motorist exposure
  • Prior insurance history: continuous coverage before violation results in lower quotes than drivers with lapses
  • Vehicle type: older vehicles with liability-only coverage cost less than financed vehicles requiring full coverage
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Stay Covered While You Drive Borrowed Cars

Find Coverage After Violations

If 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 requires SR-22 filing for 3 years following a DUI conviction, beginning from the date of license reinstatement. If your SR-22 policy lapses at any point during this period, your license is immediately suspended and the 3-year requirement restarts from your new reinstatement date. Continuous coverage without interruption is mandatory to satisfy the filing obligation.

Can I get insurance in Louisiana with a suspended license?

You cannot legally drive with a suspended license in Louisiana, but you can purchase an SR-22 policy before reinstatement to satisfy OMV requirements. Many non-standard carriers will issue SR-22 policies specifically for drivers preparing to reinstate, allowing you to file proof of financial responsibility and pay reinstatement fees simultaneously. Driving before reinstatement is complete results in additional criminal charges and extends your suspension period.

Which insurance companies offer SR-22 in Louisiana?

Non-standard and high-risk carriers typically offer SR-22 filing in Louisiana, as most standard insurers will not write policies for DUI convictions or major violations during the active filing period. Specific carrier availability varies by parish and violation type. Independent agents specializing in high-risk coverage can access multiple non-standard markets to compare SR-22 quotes, as direct writers often decline these applications.

What happens if my SR-22 insurance lapses in Louisiana?

Your insurer must notify the Louisiana Office of Motor Vehicles within 10 days of any SR-22 policy cancellation or lapse. The OMV immediately suspends your license, and the 3-year SR-22 filing requirement restarts from the date you reinstate and file a new SR-22 certificate. Additional reinstatement fees apply, and you may face criminal charges if caught driving during the suspension period.

Do I need SR-22 for a suspended license in Louisiana?

It depends on the reason for suspension. Louisiana requires SR-22 filing for suspensions related to DUI, driving without insurance, at-fault accidents while uninsured, excessive points, or unpaid accident judgments. Administrative suspensions for unpaid fines or child support may not require SR-22. Contact the Louisiana OMV or review your suspension notice to confirm whether SR-22 filing is a reinstatement condition for your specific case.

Coverage Types

SR-22 Insurance

Certificate of financial responsibility filed by your insurer to the Louisiana OMV proving continuous coverage. Required for DUI, suspensions, and uninsured accidents. Not separate coverage—attaches to your liability policy.

Liability Insurance

Covers injury and property damage you cause to others. Louisiana's 15/30/25 minimums are below national averages and may not fully protect assets in serious accidents.

Uninsured Motorist Coverage

Protects you when hit by a driver with no insurance or insufficient coverage. Louisiana has above-average uninsured motorist rates, especially in urban and rural parishes.

Non-Standard Auto Insurance

Policies designed for drivers with DUIs, suspensions, lapses, or multiple violations. Issued by carriers specializing in high-risk profiles when standard insurers decline coverage.

Collision Coverage

Pays for damage to your vehicle after an accident, regardless of fault. Required by lenders if you finance or lease. High-risk drivers often face higher deductibles.

Comprehensive Coverage

Covers theft, vandalism, weather damage, and flooding. Critical in coastal Louisiana parishes with hurricane and severe storm exposure.

Find Your City in Louisiana

New Orleans

urban

Baton Rouge

urban

Shreveport

urban

Metairie

suburban

Lafayette

suburban

Lake Charles

urban

Kenner

suburban

Monroe

urban