SR-22 Insurance in Louisiana: A Comprehensive Guide

1. Introduction to SR-22 Insurance

An SR-22 form is a legal requirement for certain high-risk drivers in Louisiana. It serves as proof that you have purchased liability car insurance coverage that meets the state’s minimum requirements. Although often referred to as “SR-22 insurance,” it’s essential to understand that the SR-22 itself is not an insurance policy. Instead, it’s a separate certificate filed by your insurance company to verify your coverage.

2. When Do You Need SR-22 Insurance in Louisiana?

You may need SR-22 insurance in Louisiana if you have been convicted of specific violations, such as:

• Driving under the influence (DUI/DWI)

• Reckless driving

• Driving without insurance

• Multiple at-fault accidents

• Other serious traffic offenses

3. SR-22 Requirements in Louisiana

To meet SR-22 requirements in Louisiana, your liability car insurance must have at least the following coverage:

• Bodily Injury Liability:

  • $15,000 per individual hurt or killed during an accident

  • $30,000 for more than one individual in an accident

• Property Damage Liability:

  • $25,000 per accident

4. Duration and Renewal

• You must maintain SR-22 coverage for a minimum period of three years.

• If you fail to renew your insurance policy with SR-22 coverage on time, your license may be suspended again.

5. Where to Get SR-22 Insurance in Louisiana?

Your insurance company must file the SR-22 on your behalf—you cannot file it yourself. Look for insurers experienced in handling high-risk cases.

6. Additional Resources

For more information, visit the following resources:

• Louisiana Department of Public Safety

• WalletHub: Minimum SR-22 Insurance Requirements in Louisiana

Remember, responsible driving and compliance with state regulations are essential for a smooth journey on Louisiana’s roads.