SR22 Insurance Louisiana

It’s a certificate of financial responsibility your insurer files with the Louisiana OMV to confirm you carry required liability insurance.

Drivers reinstating after violations like DUI, uninsured accidents, or license suspensions may be ordered to maintain an SR22 for a set period.

Terms vary by case and OMV direction… many drivers see multi-year requirements. Keep continuous coverage until OMV clears you.

No. You must be reinstated by OMV first. We e-file quickly so you can move to legal driving status.

You may need a Louisiana filing. We coordinate with your current carrier or set a new policy to avoid lapses.

We bind your policy, add the SR22 endorsement, and transmit to OMV electronically. You receive proof for court or employer needs.

Electronic filings are typically visible quickly… processing time can vary. We provide immediate digital ID cards for your records.

Your insurer must notify OMV, which can trigger re-suspension. Stay active and on time with payments.

Yes… a non-owner SR22 policy satisfies the filing while you drive borrowed or rented vehicles occasionally.

Interlock requirements come from the court, not the insurance filing. We handle the insurance side and timing with OMV.

Owner covers a specific vehicle you insure; non-owner covers you when driving a car you don’t own. We’ll guide the right fit.

Often yes. If your carrier won’t add it, we can place a compatible policy and file immediately.

Switch to a non-owner SR22 to keep coverage continuous until OMV clears your requirement.

You must meet at least Louisiana’s minimum liability requirements… many drivers choose higher limits for better protection.

The filing itself doesn’t change coverage types, but it raises the stakes for staying active and avoiding lapses.

There’s a small filing fee plus your policy premium. We shop multiple companies to control total cost.

Driving record, age, garaging area (Baton Rouge, New Orleans, Lafayette, Shreveport, Lake Charles), vehicle, and coverage choices.

Yes… monthly plans are available. Paid-in-full can lower the overall cost.

Often yes—multi-policy, paid-in-full, safe-driver improvements over time, and more.

Sometimes. Results vary by carrier and violation type. Ask us to re-rate after course completion.

We send digital ID cards right away and file the SR22 to OMV electronically.

Yes. We coordinate documents where they’re needed… securely and quickly.

No. Keep your insurance ID card. The SR22 itself is on file with OMV.

Use our simple Auto Quote Checklist to collect driver and vehicle details quickly.

We handle the insurance filing… you must also meet any court or OMV conditions to restore driving privileges.

Once OMV clears the requirement, we can remove the filing and keep a standard policy in place if you choose.

Keep a filing that satisfies Louisiana until OMV releases you. We’ll coordinate coverage so you remain compliant.

Not typically… but new violations can affect rates or licensing. Follow your OMV instructions.

Yes, but you may need endorsements or commercial solutions depending on platform rules.

See our overview here for filing concepts used nationwide, then follow Louisiana-specific OMV directions.