Elijah Black

Lead Insurance Writer

Elijah Black is a Greenville, South Carolina native with a B.A. English from Coastal Carolina University. He is a fiction writer and also works as a freelance writer and editor. He’s worked as a Production Assistant for WYFF 4 and has been published in several publications and websites across the United States.

Lead Insurance Writer

Rachael Brennan

Licensed Auto Insurance Agent

Rachael Brennan has been working in the insurance industry since 2006 when she began working as a licensed insurance representative for 21st Century Insurance, during which time she earned her Property and Casualty license in all 50 states. After several years she expanded her insurance expertise, earning her license in Health and AD&D insurance as well. She has worked for small health in...

Licensed Auto Insurance Agent

UPDATED: Dec 4, 2023

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What is Louisiana SR-22 Insurance?

A Louisiana SR-22 car insurance certificate, or a financial responsibility insurance form, is a document that serves as proof that a driver is financially responsible for carrying the minimum car insurance required by the state.

Six major factors affect car insurance rates in Louisiana. Which auto insurance factors will affect SR-22 rates the most? Typically that’s a LA DUI.

Who Needs SR-22 Insurance in Louisiana?

In Louisiana, motorists who were involved in accident, were uninsured at the time, and failed to pay compensatory damages; drivers with unsatisfied judgments; or drivers whose licenses were revoked for other reasons must all carry Louisiana SR-22 insurance.

Are There Different Types of Louisiana SR-22 Insurance Forms?

Yes, there three types of Louisiana SR-22 auto insurance: Operator, Owner and Operator-Owner. Operator’s SR-22 insurance covers drivers who operate but do not own a vehicle. Owner’s SR-22 insurance covers drivers who own and operate a vehicle. Operator’s-Owner’s SR-22 insurance covers all vehicles owned or not owned by a driver.

Is SR-22 Insurance Required in Louisiana?

Motorists in the state of Louisiana must carry liability insurance or file a SR-22 form with the Louisiana Department of Public Safety. If you are stopped by a police officer during a traffic stop or accident and you don’t have insurance, you will end up paying a $500 fine and face suspension of your driver’s license and registration. Then you will have to pay a fee to have your license and registration reinstated.

How Do I File a Louisiana SR-22 Insurance Form?

Your insurance company files your request for an SR-22 with the Louisiana Department of Public Safety. You will be required to pay a processing fee, which varies among agencies. You can go (here) to request a quote from insurance agencies in your area. Once your Louisiana SR-22 insurance form is accepted, your insurer will send you the SR-22 along with a letter from the Department of Public Safety. Louisiana SR-22 auto insurance must be maintained for three years. Your insurer will notify the State if you fail to renew your Louisiana SR-22 insurance at least 15 days before the expiration date. The State may suspend your driving record until your Louisiana SR-22 car insurance is reinstated.