Cheapest SR-22 Insurance in Louisiana for in 2024 (Top 10 Low-Cost Companies)
State Farm, Geico, and Progressive provide the cheapest SR-22 insurance in Louisiana, starting at just $33 per month. With competitive pricing, flexible coverage options, and reliable service, these providers are the top choices for drivers seeking affordable and dependable SR-22 insurance in Louisiana.
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Brandon Frady
Licensed Insurance Producer
Brandon Frady has been a licensed insurance agent and insurance office manager since 2018. He has experience in ventures from retail to finance, working positions from cashier to management, but it wasn’t until Brandon started working in the insurance industry that he truly felt at home in his career. In his day-to-day interactions, he aims to live out his business philosophy in how he treats hi...
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UPDATED: Dec 2, 2024
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Advertiser Disclosure: We strive to help you make confident auto insurance decisions. Comparison shopping should be easy. We are not affiliated with any one auto insurance provider and cannot guarantee quotes from any single provider. Our partnerships don’t influence our content. Our opinions are our own. To compare quotes from many different companies please enter your ZIP code on this page to use the free quote tool. The more quotes you compare, the more chances to save.
Editorial Guidelines: We are a free online resource for anyone interested in learning more about auto insurance. Our goal is to be an objective, third-party resource for everything auto insurance related. We update our site regularly, and all content is reviewed by auto insurance experts.
UPDATED: Dec 2, 2024
It’s all about you. We want to help you make the right coverage choices.
Advertiser Disclosure: We strive to help you make confident auto insurance decisions. Comparison shopping should be easy. We are not affiliated with any one auto insurance provider and cannot guarantee quotes from any single provider. Our partnerships don’t influence our content. Our opinions are our own. To compare quotes from many different companies please enter your ZIP code on this page to use the free quote tool. The more quotes you compare, the more chances to save.
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Min. Coverage SR-22 in Louisiana
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Min. Coverage SR-22 in Louisiana
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19,116 reviews
13,128 reviewsCompany Facts
Min. Coverage SR-22 in Louisiana
A.M. Best Rating
Complaint Level
Pros & Cons
13,128 reviewsThe top picks for the cheapest SR-22 insurance in Louisiana are State Farm, Geico, and Progressive. Rates start as low as $33 per month.
These providers offer the most competitive rates while ensuring drivers meet Louisiana minimum auto insurance requirements with decent customer service and flexible options for SR-22 insurance, whether you need primary liability or additional features like online tools and discounts.
Our Top 10 Company Picks: Cheapest SR-22 Insurance in Louisiana
| Company | Rank | Monthly Rates | A.M. Best | Best For | Jump to Pros/Cons |
|---|---|---|---|---|---|
 | #1 | $33 | B | Bundling Options | State Farm |
 | #2 | $38 | A++ | Liability Coverage | Geico |
 | #3 | $43 | A+ | Online Tools | Progressive |
 | #4 | $45 | A | SR-22 Filings | Safe Auto |
 | #5 | $47 | C++ | High-Risk Drivers | Acceptance |
 | #6 | $49 | A | Non-Standard Drivers | The General |
 | #7 | $52 | A- | Customizable Coverage | Bristol West |
 | #8 | $55 | A+ | Flexible Payment | Dairyland |
 | #9 | $58 | A+ | Customer Service | National General |
 | #10 | $73 | A | Claims Service | Liberty Mutual |
This article will explore Louisiana’s best SR-22 insurance options, breaking down rates and benefits and explaining how to find the right provider for your unique needs.
Explore your auto insurance options for the cheapest SR-22 insurance in Louisiana by entering your ZIP code into our free comparison tool today.
- State Farm offers the cheapest SR-22 insurance in Louisiana at $33/month
- The cost of SR-22 insurance in Louisiana can vary significantly by provider
- Finding affordable coverage often requires comparing rates across multiple insurers
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#1 – State Farm: Top Overall Pick
Pros
- Low Cost: Based on our State Farm auto insurance review, SR-22 insurance in Louisiana starts at just $33 monthly, making it the most affordable option.
- Bundling Discount: Louisiana drivers can bundle policies for further discounts on their SR-22 insurance.
- Agents Available: Louisiana residents have access to local agents who can personally assist customers in SR-22 insurance matters.
Cons
- Limited Digital Tools: The process for SR-22 insurance in Louisiana relies heavily on agent support.
- Average Rating for Financials: State Farm’s B rating may raise some concern for drivers seeking the most secure SR-22 insurance in Louisiana.
#2 – Geico: Cheapest Liability Coverage
Pros
- Affordable Rates: Geico offers budget-friendly SR-22 insurance in Louisiana for as low as $38 monthly.
- Excellent Financial Strength: Geico’s A++ rating brings strong reliability regarding Louisiana SR-22 insurance claims.
- Liability Coverage Options: Louisiana drivers enjoy extensive liability add-ons in SR-22 policy options, a key highlight in our Geico auto insurance review.
Cons
- Limited In-Person Support: Louisiana drivers can expect fewer local offices to visit regarding SR-22.
- Discount Restrictions: Only some of the standard discounts apply to SR-22 insurance in Louisiana.
#3 – Progressive: Best for Online Tools
Pros
- Competitive Pricing: Progressive offers SR-22 insurance in Louisiana starting at $43 monthly.
- Online Tools: Louisiana drivers can manage SR-22 insurance easily with Progressive’s robust digital platform, including the Name-Your-Price tool.
- Customizable Policies: As per our Progressive auto insurance review, it provides flexible SR-22 coverage options tailored for Louisiana residents.
Cons
- Limited Agent Support: Louisiana SR-22 insurance support is primarily digital, with fewer in-person options.
- Poor Claims Support: Progressive SR-22 insurance ranked second-to-last in the J.D. Power annual survey for customer claims satisfaction.
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#4 – SafeAuto: Best for SR-22 Filings
Pros
- Ease of Application: Our Safe Auto auto insurance review outlines that the company allows easy application for SR-22 insurance in Louisiana.
- Budget-Friendly Emphasis: Safe Auto focuses on more affordable SR-22 insurance in Louisiana, starting at $45.
- Flexible Coverage Options: These options let drivers in Louisiana tailor the policy with respect to SR-22 according to their needs and budget.
Cons
- Insufficient Discounts: With some competitors in Louisiana, there are more chances to save on SR-22 insurance.
- Average Financial Strength: For the insurers rated above, an A rating will be less desirable for the Louisiana SR-22 insurance provider.
#5 – Acceptance: Best for High-Risk Drivers
Pros
- High-Risk Driver Support: According to our Acceptance auto insurance review, the company specializes in serving Louisiana’s high-risk drivers who need SR-22 insurance.
- Fast Filing Process: Ensures Louisiana drivers can quickly meet SR-22 insurance requirements.
- Payment Flexibility: Acceptance offers budget-friendly installment plans for SR-22 coverage in Louisiana.
Cons
- Lower Financial Rating: C++ rating may concern drivers seeking stability when filing SR-22 insurance claims in Louisiana.
- Higher Starting Rates: Acceptance’s $47 monthly rate is less competitive than some options for SR-22 insurance in Louisiana.
#6 – The General: Best for Non-Standard Drivers
Pros
- Non-Standard Expertise: Our The General auto insurance review highlights its specialization in providing SR-22 insurance, making it a reliable option for Louisiana’s non-standard drivers.
- Easy Application: SR-22 insurance is less of a hassle to acquire in Louisiana with The General.
- Flexible Pay Plans: The General offers convenient pay plans for a Louisiana SR-22 policy.
Cons
- High Price: At $49 a month, The General’s SR-22 insurance is higher than many of its Louisiana competitors.
- Basic Customer Support: Less personalized support of the needs of SR-22 policyholders in Louisiana.
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#7 – Bristol West: Best for Customizable Coverage
Pros
- Customizable Policies: As highlighted in our Bristol West auto insurance review, Louisiana drivers can tailor Bristol West SR-22 coverage to suit specific needs.
- Strong Digital Tools: Online tools make managing SR-22 insurance in Louisiana simple and efficient.
- Reliable Provider: An A- rating underscores Bristol West’s trustworthiness for SR-22 insurance in Louisiana.
Cons
- Higher Monthly Rates: Starting at $52/month, Bristol West is less affordable than other SR-22 insurance companies in Louisiana.
- Fewer Local Offices: Louisiana drivers may need help accessing in-person SR-22 insurance support.
#8 – Dairyland: Best for Flexible Payment
Pros
- Flexible Payment Options: Dairyland makes SR-22 insurance in Louisiana manageable with installment plans starting at $55 monthly.
- Specializes in High-Risk Drivers: Our Dairyland auto insurance review highlights its focus on high-risk drivers and ideal policies for Louisiana drivers needing SR-22 coverage.
- Strong Financial Rating: Dairyland’s A+ rating ensures reliability for SR-22 insurance in Louisiana.
Cons
- Steep Rates: At $55 monthly, Dairyland’s SR-22 insurance is costlier than several competitors in Louisiana.
- Limited Discounts: There are fewer savings options for SR-22 insurance in Louisiana than other providers.
#9 – National General: Best for Customer Service
Pros
- Customer Service Excellence: National General provides top-notch support for Louisiana SR-22 insurance customers.
- Reliable Coverage Options: In line with our National General auto insurance review, the company offers well-rounded SR-22 policies tailored to Louisiana drivers’ needs.
- Strong Financial Rating: An A+ rating ensures stability for SR-22 insurance in Louisiana.
Cons
- Costlier Rates: At $58 monthly, National General is among Louisiana’s higher-priced SR-22 insurance options.
- Limited Discounts: There are fewer ways to save on SR-22 insurance compared to competitors in Louisiana.
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#10 – Liberty Mutual: Best for Claims Service
Pros
- Claims Expertise: Liberty Mutual is known for efficient claims handling for SR-22 policyholders in Louisiana.
- Financial Strength: An A rating highlights Liberty Mutual’s reliability, a key factor in this Liberty Mutual auto insurance review, especially for SR-22 insurance in Louisiana.
- Customizable Policies: Louisiana drivers can tailor Liberty Mutual’s SR-22 coverage to meet their specific needs.
Cons
- Higher Costs: While $73 monthly is competitive for Kentucky, it remains more expensive than SR-22 insurance rates available in other states like Louisiana.
- Limited Benefits: Liberty Mutual’s SR-22 policies primarily cater to Kentucky, offering fewer tailored benefits or incentives for drivers in other regions.
Louisiana SR-22 Insurance Rates and Discounts Comparison
Finding affordable SR-22 insurance in Louisiana can be challenging. The table below compares monthly rates for minimum and full coverage SR-22 insurance from the best Louisiana auto insurance companies.
Louisiana SR-22 Insurance Monthly Rates by Provider & Coverage Level
| Insurance Company | Minimum Coverage | Full Coverage |
|---|---|---|
| $47 | $172 |
| $52 | $168 |
| $55 | $180 |
| $38 | $141 |
| $73 | $274 |
| $58 | $175 |
| $43 | $161 |
| $45 | $165 |
| $33 | $124 |
| $49 | $170 |
For the providers studied, rates were as low as $33 monthly for minimum coverage with State Farm, while Geico showed the lowest rate for full coverage at $141 monthly. The other providers in good standing for both minimum and full coverage were Acceptance and Bristol West.
State Farm’s competitive pricing for SR-22 insurance highlights the importance of comparing both minimum and full coverage options, as even drivers with higher-risk profiles can benefit from affordable rates when selecting the right insurer.Brandon Frady Licensed Insurance Producer
Many Lousiana SR-22 insurance companies give several types of discounts. As an example, Geico offers good driver, military, and federal employee discounts, among others. Progressive offers savings through its Snapshot program.
SR-22 Insurance Discounts From the Top Providers in Louisiana
| Insurance Company | Available Discounts |
|---|---|
| Multi-Vehicle, Prior Insurance, Paid-in-Full, Safe Driver |
| Continuous Insurance, Homeowner, Prior Coverage, Paperless |
| Multi-Vehicle, Transfer, Homeowner, Continuous Coverage |
| Multi-Vehicle, Good Driver, Military, Federal Employee |
| New Car, Vehicle Safety Features, Multi-Vehicle, Claims-Free |
| Paid-in-Full, Multi-Vehicle, Safe Driver, Affinity Group |
| Snapshot Program, Multi-Car, Homeowner, Continuous Coverage |
| New Customer, Multi-Car, Paid-in-Full, Paperless Billing |
| Drive Safe & Save, Multi-Policy, Accident-Free, Good Student |
| Multi-Car, Safe Driving, Good Student, Prior Coverage |
Louisiana offers various discounts, including savings for military personnel, good driver insurance discounts, and bundling policies. Discounts can vary from 10% to 25%, with USAA, State Farm, and Geico participating. These discounts can reduce premiums, especially if you want to save on car insurance in Louisiana after a violation.
Louisiana Report Card: Auto Insurance Discounts
| Discount Name | Grade | Savings | Participating Providers |
|---|---|---|---|
| Military | A+ | 15% | USAA, Geico, Farmers, Progressive, State Farm, Liberty Mutual |
| Good Driver | A | 25% | State Farm, Geico, Progressive, Allstate, USAA, Farmers |
| Bundling | A | 20% | State Farm, Allstate, Liberty Mutual, Progressive, Nationwide, Farmers |
| Pay-in-Full | A | 15% | State Farm, Geico, Allstate, Progressive, Liberty Mutual, Nationwide |
| Good Student | B | 15% | State Farm, Geico, Progressive, Allstate, Nationwide, Liberty Mutual |
| Anti-Theft | B | 10% | Progressive, Allstate, Geico, Liberty Mutual, Farmers, Nationwide |
| Low Mileage | C | 10% | Allstate, Nationwide, MetLife, Farmers, Liberty Mutual, Safeco |
With all these discounts, the overall cost of Louisiana SR-22 car insurance would be significantly reduced, helping you strike the best deal.
Understanding SR-22 Requirements in Louisiana
An SR-22 is a certificate of financial responsibility often required for drivers in Louisiana after certain violations. This is essentially proof that you have the minimum auto insurance coverage as set by the state.
In Louisiana, an SR-22 is not an insurance policy but a form filed by your insurance company with the Louisiana Office of Motor Vehicles. It proves that you have the minimum liability insurance coverage to cover your driving, ensuring you are legally compliant with the state. Most drivers are required to have an SR-22 after events such as:
- DUI or DWI convictions
- Driving without insurance
- Suspend licenses
- Serious at-fault accidents
Understanding the SR-22 requirements in Louisiana will help you know how to comply and avoid further problems. If you must file an SR-22, work with your insurance provider to meet the state’s legal requirements and protect your driving privileges.
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Louisiana SR-22 Insurance Key Factors and City Data
Identifying affordable SR-22 insurance in Louisiana involves overcoming some state-specific hurdles that easily drive up costs. The Louisiana report card provides a snapshot of the critical factors driving auto insurance premiums across the state.
Louisiana Report Card: Auto Insurance Premiums
| Category | Grade | Explanation |
|---|---|---|
| Traffic Density | B | Moderate urban traffic |
| Average Claim Size | C | Expensive claims and repairs |
| Uninsured Drivers Rate | C | Many uninsured drivers |
| Vehicle Theft Rate | C | High vehicle theft rates |
| Weather-Related Risks | F | Frequent hurricanes, flooding |
Grades reflect challenges such as high vehicle theft rates, weather-related risks, and huge costs drivers pay for insurance. Louisiana’s peculiar driving conditions and several weather events contribute to auto insurance claims. The following table shows the most common claims, their costs, and the top discounts for Louisiana drivers.
5 Most Common Auto Insurance Claims in Louisiana
| Claim Type | Portion of Claims | Average Cost per Claim |
|---|---|---|
| Collision Damage | 35% | $5,500 |
| Comprehensive Damage | 25% | $2,000 |
| Uninsured Motorist | 15% | $7,000 |
| Weather-Related Damage | 15% | $10,000 |
| Theft/Vandalism | 10% | $4,000 |
The most frequent claim filed in Louisiana involves collision damage, which accounts for 35% of the claims and averages $5,500. Damage from the weather is close behind and quite costly, averaging $10,000. Comprehensive and uninsured motorist coverage claims are common as well, all combined to ensure that the rates in this state remain high.
High frequencies of accidents and claims in major cities like New Orleans and Baton Rouge, plus weather-related hazards, including hurricanes and flooding, all raise premiums.
Louisiana Accidents & Claims per Year by City
| City | Accidents per Year | Claims per Year |
|---|---|---|
| Alexandria | 2,500 | 2,000 |
| Baton Rouge | 12,000 | 9,500 |
| Lafayette | 6,000 | 4,800 |
| Lake Charles | 4,500 | 3,600 |
| Monroe | 3,000 | 2,400 |
| New Orleans | 15,000 | 12,000 |
| Shreveport | 7,000 | 5,500 |
New Orleans tops the chart with 15,000 accidents and 12,000 claims annually, followed by Baton Rouge. These cities often have the highest Lousiana SR-22 insurance rates, so compare New Orleans auto insurance companies to find the best prices.
Affordable Solutions for SR-22 Insurance in Louisiana
State Farm, Geico, and Progressive offer the cheapest SR-22 insurance in Louisiana, with rates starting at $33 per month. These top three companies also provide affordable non-owner SR-22 insurance in Louisiana.
Drivers who are required to get an SR-22 in Louisiana because of DUIs or reckless driving tend to see significantly higher Louisiana auto insurance rates. To determine whether you need an SR-22, you must contact your insurance provider, review your current policy, and pay the SR-22 filing fee.
Enter your ZIP code in our free quote comparison tool to find affordable auto insurance, including the cheapest Louisiana SR-22 insurance, no matter what your driving record looks like.
Frequently Asked Questions
Who needs an SR-22 in Louisiana?
You may need an SR-22 in Louisiana if you’ve been convicted of certain driving violations, such as a DUI, driving without insurance, or multiple traffic offenses. The state will inform you if an SR-22 is necessary for you to reinstate your driving privileges.
What is SR-22 in Louisiana?
An SR-22 in Louisiana is a certificate of financial responsibility that proves you carry the minimum required auto insurance after a major driving violation, such as a DUI or driving without insurance. The state typically requires drivers to reinstate their licenses.
How long is an SR-22 required in Louisiana?
The duration for which an SR-22 is required in Louisiana depends on the nature of your violation. Typically, an SR-22 is required for three years, but it could be longer if you have multiple violations or serious offenses.
Get the best auto insurance rates possible, including the cheapest SR-22 insurance, by entering your ZIP code into our free comparison tool today.
How does an SR-22 impact your car insurance in Louisiana?
Having an SR-22 can significantly increase your car insurance premiums in Louisiana. Insurance companies see drivers with SR-22 requirements as high-risk and may charge higher rates to cover the additional risk.
How can I determine if I need an SR-22 in Louisiana?
If you’ve been convicted of a serious driving offense such as a DUI, driving without insurance, or multiple traffic violations, you will likely need an SR-22. The Louisiana Department of Motor Vehicles (DMV) will notify you if it is required for your case.
Why are SR-22 insurance rates so high in Louisiana?
SR-22 insurance rates in Louisiana are high due to factors that affect auto insurance rates, like frequent hurricanes, high accident rates, and a lawsuit-friendly legal system, all of which increase insurer risks and premiums.
Who has the cheapest SR-22 insurance rates in Louisiana?
To find the cheapest Louisiana auto insurance, compare rates from multiple providers, especially if you need SR-22 insurance. Companies like Geico, State Farm, and Progressive are often the most affordable options in Louisiana.
Explore your car insurance options by entering your ZIP code and finding which companies have the lowest rates.
How do I confirm SR-22 filings and monitor my status in Louisiana?
Once you’ve filed your SR-22 with your insurance company, you can confirm the filing by contacting your insurer directly. To monitor your SR-22 status, check with the Louisiana DMV to ensure that your SR-22 is valid and up to date during the required period.
What is the average cost of SR-22 car insurance in Louisiana?
The average cost of SR-22 car insurance in Louisiana can vary, but it typically adds $200 to $600 per year to your premiums. This can depend on your driving history, the type of auto insurance coverage you choose, and your insurer.
How can I compare SR-22 auto insurance rates in Louisiana?
To compare auto insurance rates in Louisiana, including SR-22 insurance, gather quotes from multiple companies with similar coverage, deductibles, and limits. Using online tools or an independent agent can help you find the best deal, factoring in SR-22 requirements.
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Enter your ZIP code below to view companies that have cheap auto insurance rates.
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Brandon Frady
Licensed Insurance Producer
Brandon Frady has been a licensed insurance agent and insurance office manager since 2018. He has experience in ventures from retail to finance, working positions from cashier to management, but it wasn’t until Brandon started working in the insurance industry that he truly felt at home in his career. In his day-to-day interactions, he aims to live out his business philosophy in how he treats hi...
Licensed Insurance Producer
Editorial Guidelines: We are a free online resource for anyone interested in learning more about auto insurance. Our goal is to be an objective, third-party resource for everything auto insurance related. We update our site regularly, and all content is reviewed by auto insurance experts.