SR-22 insurance in Louisiana
What Louisiana requires after a DUI, a lapse or driving uninsured, how long the filing lasts, what it costs the state, whether a non-owner filing works, and which companies in Louisiana write the policies that carry it, from the state's own pages and the insurance company directory.
Louisiana uses the SR-22 filing. Who needs it: A DWI or underage DUI conviction, refusing a chemical test (arrest affidavit), and accident judgments paid by installment or released. How long: 3 years from the DWI conviction or refusal arrest date; judgments: while paying plus 3 years after payment in full. The insurer files it electronically with the state once the policy is bound; a non-standard auto policy with the filing is often cheaper than people expect. 0 companies write personal auto in Louisiana; the ones used to filings are tagged below.
By Sam Alishahi, independent insurance broker · Every state
What Louisiana requires
From Louisiana Office of Motor Vehicles (Dept. of Public Safety & Corrections); sources at the bottom.
| Filing | SR-22 |
|---|---|
| Who needs it | A DWI or underage DUI conviction, refusing a chemical test (arrest affidavit), and accident judgments paid by installment or released. |
| How long | 3 years from the DWI conviction or refusal arrest date; judgments: while paying plus 3 years after payment in full. |
| State fees | No separate state SR-22 filing fee; insurer charges vary. Reinstatement: refusal $50; DWI $100 first, $200 second, $300 third+; underage DUI $60. |
| Non-owner filing | Accepted, and DWI and refusal offenders must show coverage individually as a non-owner as well as for every vehicle registered to them. |
| How it's filed | Your Louisiana-authorized insurer files an electronic certificate with the OMV. Alternatives: $30,000 cash or securities with the State Treasurer, or a $30,000 surety bond. |
| If the policy cancels | Your insurer must give the OMV 10 days' electronic notice before cancelling. While the flag is set, registrations can't be renewed. Whether the 3 years restart: not stated by the state. |
| Minimum liability limits | 15/30/25 (bodily injury per person / per accident / property damage) |
| Who handles it | Louisiana Office of Motor Vehicles (Dept. of Public Safety & Corrections) |
How to get it today
- Send the quote request with the reason for the filing (DUI, lapse, uninsured accident) and the date the state gave you; that goes to the companies above that take it.
- Bind the policy; the insurer sends the SR-22 to the state electronically the same day in most cases.
- Keep the policy paid for the whole period: a cancellation is reported to the state and usually restarts the suspension.
I'm licensed in 48 states and Washington, DC and your request stays with my agency, not passed to another agent. In Florida and Washington, where my licenses are still being issued, a partner agency in your state helps in the meantime.
Questions people ask
How long do I need an SR-22 in Louisiana?
3 years from the DWI conviction or refusal arrest date; judgments: while paying plus 3 years after payment in full.
Who needs an SR-22 in Louisiana?
A DWI or underage DUI conviction, refusing a chemical test (arrest affidavit), and accident judgments paid by installment or released.
Can I get a non-owner SR-22 in Louisiana?
Accepted, and DWI and refusal offenders must show coverage individually as a non-owner as well as for every vehicle registered to them.
What happens if my policy cancels during the SR-22 period?
Your insurer must give the OMV 10 days' electronic notice before cancelling. While the flag is set, registrations can't be renewed. Whether the 3 years restart: not stated by the state.
Sources
- https://expresslane.la.gov/omv/drivers/driver-reinstatement/suspensions/
- https://public.powerdms.com/LADPSC/documents/1541111
- https://expresslane.la.gov/omv/resources/omv-policy/safety-responsibility-laws/
- https://expresslane.la.gov/omv/drivers/driver-reinstatement/cancellations-revocations/
- https://legis.la.gov/Legis/Law.aspx?d=88628
- https://legis.la.gov/Legis/Law.aspx?d=88629
Send it once. It gets filed.
A few minutes to request the quote; the companies that file SR-22 answer by email, and the filing goes to the state when you bind.
Get a reminder before your renewal.
Tell me when your policy renews and I’ll email you about six weeks before, when it’s worth comparing. One email, no calls.