Louisiana SR-22

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An SR-22 is a certificate required by a state’s Department of Motor Vehicles (DMV) that verifies a driver carries the state’s required minimum insurance coverage. These certificates are generally required for high-risk drivers, although the exact form may vary by state. In Louisiana, an SR-22 may be required if you have committed a serious driving infraction. An SR-22 filing is usually needed for three years.

If you are deemed a high-risk driver, it may be challenging to find an auto insurance company that will issue you a policy and an SR-22 certificate. Some carriers are simply not set up to insure high-risk drivers and don’t have the systems in place to file SR-22 forms. In some cases, you may have to switch to a different car insurance company if your old policy is nonrenewed due to the driving violation that led to the SR-22 requirement. Bankrate’s research could help you understand the ins and outs of SR-22 forms.

What is “SR-22 insurance?”

An SR-22 is a certificate of financial responsibility that may be required by the DMV if you are considered a high-risk driver due to certain driving violations. The DMV will receive a copy of your SR-22 filing when you purchase a policy; an insurance company files the form with the DMV on your behalf. At least state minimum coverage must be maintained throughout the duration of your SR-22.

An SR-22 can be obtained by calling your insurance company and asking that one be issued to the DMV. If you do not already have an insurance policy, you will need to shop around for one and request an SR-22 in association with your new policy. However, even some of the best Louisiana car insurance companies may refuse to insure a high-risk driver, so you may need to shop around. Even with a car insurance company geared toward high-risk drivers, you will likely face higher premiums due to the infraction that prompted the need for the SR-22. You may be able to lower your premium by searching for a cheap car insurance company.

SR-22 Louisiana alternatives

If you are required to carry an SR-22, you may come across alternative form names depending on the state. Although SR-22s are well-known and generally used in most states, other form documents may be required, depending on the state and violation type, to prove that adequate liability limits are being met.

Most states utilize SR-22s forms, but depending on the state and violation, there are other types of forms you may need to understand.

Form States issued Required insurance minimums
SR-22 Most states (excluding Delaware, Kentucky, Maryland, Minnesota, New Mexico, New York, North Carolina, Oklahoma and Pennsylvania) State minimum
SR-19 California, Texas Uninsured motorist coverage
SR-21 Florida, Hawaii State minimum
SR-22A Georgia, Texas, Missouri State minimum or more, pre-paid
FR-44 Florida, Virginia Higher than state minimum (up to double)
FR-19 Maryland State minimum
SR-50 Indiana State minimum
  • SR-19: Drivers in California and Texas may need to file this form after an accident with an uninsured motorist.
  • SR-21: Like the SR-22, the SR-21 shows the state DMV that you have at least the required levels of car insurance. This form is typically used to verify coverage after an accident or ticket.
  • SR-22A: This form proves that you have paid for auto insurance coverage for a length of time.
  • FR-44: In Florida and Virginia, this form certifies that high-risk drivers are carrying above-state-minimum coverage limits.
  • FR-19: This Maryland form shows proof of insurance for 30 days.
  • SR-50: This form serves as proof of current insurance. An SR-50 shows that you are currently insured for at least the required amount of coverage.

Non-owner SR-22

A SR-22 certificate may be required if you are a high-risk driver even if you do not own a car. When you are required to carry an SR-22 without a vehicle, you will need to purchase a non-owner insurance policy with at least the state minimum limits of liability. Your insurance company will then file the form with the DMV for you. Be sure to let the carrier know you need an SR-22 early, as even on non-owner policies, not all companies will file SR-22s.

SR-22 Louisiana insurance costs

In Louisiana, if you are required to obtain an SR-22 certificate, you will likely incur associated fees and costs other than the increasing cost of your insurance premium. Depending on your violation, you may be required to pay fees for reinstatement of your license. If you are required to appear in court, you could also have court fees to pay.

Needing an SR-22 certificate will not directly increase your car insurance premium. However, the driving incident that led to your SR-22 requirement means that your insurance policy premium will likely be higher than before you needed the form. Even if you do not own a vehicle, you may be required to obtain an SR-22 as a high-risk driver, meaning you will need to purchase at least minimum liability limits coverage through a non-owner insurance policy.

Frequently asked questions

How long do I need an SR-22 in Louisiana?

Each state will have its own requirement on how long an SR-22 must stay active and on file with the DMV. In Louisiana, the general length of time for an SR-22 is three years. However, the time period you must carry the SR-22 could vary depending on your specific circumstances, if you commit additional driving infractions during the original SR-22 period and the court’s decision.

How do I get SR-22 insurance in Louisiana?

You cannot obtain SR-22 insurance as an SR-22 is not a type of insurance. Instead, an SR-22 is a form certifying you have at least the insurance coverage required by the state. To obtain an SR-22, call your insurance company and ask that an SR-22 be filed on your behalf. Keep in mind that even some of the best car insurance companies will not file SR-22 forms or insure high-risk drivers. You will also need to purchase, or already carry, a policy through that insurance company for at least Louisiana’s state minimum limits of $15,000 bodily injury liability per person, $30,000 bodily injury liability per accident and $25,000 property damage liability.

How much does SR-22 insurance cost in Louisiana?

In Louisiana, an SR-22 filing itself might result in small filing fees. An SR-22 will not raise your insurance cost directly, except for the filing cost. However, because SR-22s are generally required for high-risk drivers, your insurance premium will likely be higher due to the infraction that resulted in the SR-22 requirement, such as a DUI conviction. If you cannot afford the premium offered by your car insurance company, you can search around for a cheaper Louisiana insurance provider.

Is an SR-22 a type of insurance?

No, an SR-22 is not actually insurance nor does it provide insurance coverage. An SR-22 is simply a certificate certifying that you meet the financial responsibility as required by the state by carrying at least the minimum liability limits on your insurance policy.

How does the DMV know I carry the required insurance coverage?

When you are required to obtain an SR-22, your insurance carrier will provide that certificate to the DMV upon the purchase and renewal of your policy. If you cancel your coverage or let your policy terminate due to non-payment, this will be reported to the DMV. Your license will likely be suspended until you show proof of coverage again via the SR-22 filing.

Written by
Jessie See
Insurance Contributor
Jessie See has a year of experience writing for Bankrate.com, Reviews.com and other insurance domains. She has covered topics ranging from auto and homeowner’s insurance to life insurance. She has been writing professionally for over a decade with experience in a variety of different topics and industries. Prior to becoming an insurance writer, she worked as a legal assistant in the field of personal injury law and as a licensed sales producer at various insurance agencies.
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