How to Get Non-Owner SR-22 Insurance in Louisiana
If you need an SR-22 in Louisiana but don’t own a car, non-owner car insurance is the best solution.
Written by Sarah Williams
Reviewed by Brenna Swanston
Non-owner SR-22 car insurance is an affordable solution if you need to file an SR-22 in Louisiana but don’t own a car. Not every insurance company offers this type of insurance, so you’ll need to shop around.
All
Louisiana
drivers have to carry the state-mandated liability minimums, but high-risk drivers are often required to carry additional proof of financial responsibility. If you’ve got a major violation on your driving record, you may need to file an SR-22 form with the Louisiana Office of Motor Vehicles (OMV).An SR-22 filing is used to prove you’ve purchased the minimum state-required liability coverage. But what if you don’t own a car? In that case, non-owner SR-22 car insurance is the answer.
Here, we’ll go over everything you need to know about how to get it in Louisiana.
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4.7/5 rating on the App Store | Trusted by 5+ million customers and 7 million cars4.7/5 app rating | Trusted by 5M+ driversWhat is SR-22 insurance?
Believe it or not, an SR-22 is not technically a type of insurance at all—it’s a certificate of financial responsibility that your insurance company files with the Louisiana OMV.
An SR-22 filing is often required after a serious offense like reckless driving or a DUI/DWI. On top of any reinstatement fees, you’ll need to purchase a car insurance policy that meets Louisiana’s minimum liability requirements. Your SR-22 confirms to the OMV that you’ve met these minimums.
Louisiana auto insurance requirements
The state of Louisiana requires all drivers to carry the following minimum amount of liability insurance:
- Bodily injury liability coverage:$15,000 per person / $30,000 per accident
Before you can meet your SR-22 requirements, you’ll need to acquire at least these minimums. You can do so by purchasing a liability-only policy, but even that only provides limited coverage. If you are able, it’s worth considering additional coverage.
Who needs an SR-22?
An SR-22 filing is usually required for drivers with serious or repeat infractions. Often, you have to file an SR-22 before the OMV reinstates your license after a suspension. These rules also apply to drivers who don’t own a car to insure.
These are the types of offenses that could lead to a required SR-22 in Louisiana:
SR-22 filings are not just required in cases of driving violations—failure to pay child support and other non-driving offenses can also lead to a required SR-22. Keep in mind that while the filing fee for an SR-22 isn’t high, the hike in your insurance costs will be.
MORE: How to get car insurance with a bad driving record
How to get non-owner SR-22 insurance in Louisiana
For drivers with an SR-22 requirement but no car, a non-owner car insurance policy is the most affordable option. Non-owner car insurance provides liability coverage to drivers who don’t own the vehicle they drive.
You shouldn’t have trouble finding a provider that offers non-owner policies, but not all will work with SR-22s.
To find a non-owner SR-22 policy, you’ll want to:
- Call local insurance companies to inquire if they offer non-owner insurance with SR-22 requirements.
- Before selecting a policy, get at least three to five quotes.Comparing car insurance quotesis a simple way to find reasonable rates, as each provider will calculate their premiums differently.
- Look to see which insurance discounts you may be eligible for. Not all discounts are advertised online, so be sure to ask when you call!
If you’ve received a mandate to carry an SR-22 filing, make sure your non-owner policy stays up to date for the duration. This period is usually three to five years; if your insurance lapses during that time, the clock will be reset on your SR-22 requirement. Even after your three to five years are up, it’s worth keeping up with your insurance.
If you’re caught driving without car insurance in Louisiana, you’ll face a whole new set of penalties.
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