Compare Auto Insurance by State

State minimum requirements, average rates, and top carriers vary by location. Select your state for tailored coverage information.

50 states available

Alabama Points Suspension: Hardship License & RatesAlabama suspends at 12-15 points in 2 years. Hardship driving available through probate court. Defensive driving removes 2 points per year. See reinstatement steps and multi-violation insurance costs.→

Alaska Points Suspension Insurance Rates & ReinstatementAlaska suspends at 12 points in 12 months. Average premium after points suspension: $180–$260/mo. Defensive driving removes 2 points. See Alaska requirements.→

Arizona Points Suspension: Rates & ReinstatementArizona suspends at 8 points in 12 months. Traffic school removes 2 points once per 24 months. Hardship permits available. See reinstatement requirements and rates.→

Arkansas Points Suspension Insurance: Rates & RequirementsArkansas suspends at 14 points in 36 months. Drivers with multiple violations pay $145–$220/mo for minimum coverage. Defensive driving removes 3 points. See reinstatement steps.→

CA Points Suspension—Hardship License & ReinstatementCalifornia suspends at 4 points in 12 months. Hardship licenses available for work/school during suspension. Reinstatement costs $150–$300 plus defensive driving.→

Colorado Points Suspension Insurance Rates & RequirementsColorado suspends at 12 points in 12 months. Post-suspension insurance averages $175–$280/mo. Reinstatement costs $95 plus proof of coverage. See carrier options.→

Connecticut Points Suspension: Reinstatement & CostsConnecticut suspends at 10 points in 24 months. Defensive driving removes 2 points. Reinstatement fee is $175. See hardship permit rules and insurance costs after suspension.→

Delaware Car Insurance After Points SuspensionDelaware suspends licenses at 12 points in 24 months. Drivers reinstating after violation accumulation pay $145–$210/mo. Defensive driving removes up to 3 points.→

Florida Points Suspension: Reinstatement & Insurance CostFlorida suspends at 12 points in 12 months. Defensive driving removes 5 points. Reinstatement costs $45–$75. Insurance runs $180–$280/mo after.→

Georgia Car Insurance After Points Suspension | Costs & OptionsGeorgia suspends at 15 points in 24 months. Minimum 25/50/25 coverage required to reinstate. Rates typically increase 40-65% with multiple violations. See carriers that write multi-violation drivers.→

Hawaii License Suspension Insurance After 12 PointsHawaii suspends licenses at 12 points in 12 months. Reinstatement costs $75 plus insurance at 20/40/10 minimums. See coverage options for multi-violation drivers.→

Idaho Points Suspension Insurance & Reinstatement CostsIdaho suspends your license at 12 points in 12 months. High-risk insurance costs $145–$210/mo post-suspension. Defensive driving removes 3 points. See reinstatement steps.→

Illinois Car Insurance After Multiple Moving ViolationsIllinois requires 25/50/20 coverage and suspends at 3 serious violations in 12 months. Multi-violation rates range $180–$290/mo. See carriers and reinstatement steps.→

Indiana Auto Insurance After Points Suspension | Rates & RulesIndiana suspends at 18 points in 24 months. Defensive driving removes 4 points. Premiums increase 40-80% after suspension. See Indiana coverage options and reinstatement requirements.→

Iowa Car Insurance After Points Suspension — Rates & RulesIowa suspends at 6 points in 24 months. Drivers with multiple violations pay $140–$220/mo. Defensive driving removes 3 points. See how Iowa counts points and which carriers write you.→

Kansas Insurance After Multiple Violations & PointsKansas requires 25/50/25 liability minimums. After multiple violations, expect $185–$240/mo. Learn point thresholds, hardship rules, and carrier options.→

Kentucky Insurance After Traffic Violations & PointsKentucky requires 25/50/25 minimum coverage. Drivers with multiple violations pay $145–$210/mo. Defensive driving reduces points by 3. See rates and reinstatement steps.→

Louisiana Car Insurance With Points: Rates & RequirementsLouisiana suspends at 12 points in 12 months. Multi-violation drivers pay $180–$280/mo for standard coverage. Defensive driving removes 4 points. See carriers that write you.→

Maine Car Insurance After Multiple Tickets & ViolationsMaine requires 50/100/25 liability minimums. Drivers with multiple moving violations typically pay $140–$220/month. See rates, point thresholds, and carrier options for your record.→

Maryland Multi-Violation Auto Insurance After Point SuspensionMaryland suspends at 8 points in 24 months. Multi-violation insurance costs $180–$260/mo. Most point suspensions don't require SR-22. See rates.→

Massachusetts Insurance After Multiple Tickets | Rates & PointsMassachusetts requires 20/40/5 minimum coverage and assigns surcharge points for each violation. Multi-violation drivers pay $210–$340/mo. See point thresholds and hardship options.→

Michigan Insurance After Points Suspension: Costs & OptionsMichigan suspends at 12 points in 2 years. Reinstatement costs $125. Multi-violation premiums average $210–$480/mo. See coverage options for drivers with 10+ points.→

Minnesota Points Suspension: Reinstate & Find CoverageMinnesota suspends at 4 points in 12 months. Defensive driving removes up to 4 points. Reinstatement costs $30 plus course fees. See requirements and rate ranges.→

Mississippi Auto Insurance After Points SuspensionMississippi requires 25/50/25 liability minimums. Multi-violation drivers typically pay $140–$210/month. Points drop after 24 months. See coverage options.→

Missouri Points Suspension Insurance Rates & CostsMissouri suspends at 8 points in 18 months. Post-suspension rates run $140–$210/mo for standard coverage. See what carriers write points suspensions.→

Montana Car Insurance After Points SuspensionMontana requires 25/50/20 liability minimums and suspends licenses at 30 points in 36 months. Defensive driving removes 4 points. See rates for your record.→

NC License Suspended for Points – Reinstate & InsureNorth Carolina suspends licenses at 12 points in 3 years. Remove 3 points with defensive driving. Average post-suspension insurance: $140–$390/mo. See hardship options.→

Nebraska Car Insurance With Points: Costs After ViolationsNebraska drivers with 6+ points typically pay $145–$210/mo for auto insurance. State suspends at 12 points in 12 months. See rates for your violation count.→

Nevada Car Insurance After Point Suspension: Rates & RulesNevada suspends licenses at 12 points in 12 months. Post-reinstatement insurance costs $185–$280/mo. Hardship licenses available. See Nevada point rules and rates.→

New Mexico Points Suspension Insurance Rates & ReinstatementNew Mexico suspends licenses at 7 points in 12 months. Reinstatement costs $20 plus proof of 25/50/10 coverage. Premiums rise 30–60% after suspension. See carrier options.→

NH Insurance After Multiple Violations | Points & RatesNew Hampshire suspends at 12 points in 12 months. Drivers with multiple violations pay $145–$210/mo. Defensive driving removes 3 points. See rates and reinstatement steps.→

NJ Points Suspension: Reinstatement Cost & ProcessNew Jersey suspends at 12 points. Remove 3 points with defensive driving. Reinstatement costs $100 plus proof of insurance. Special Learner's Permit available for essential driving.→

North Dakota Points Suspension: Reinstatement & RatesNorth Dakota suspends at 12 points in 12 months. Reinstatement costs $25 base fee. Insurance rises 30-60% after suspension. See hardship options and coverage for multi-violation drivers.→

NY Car Insurance After Points Suspension | Rates & RulesNew York suspends at 11 points in 18 months. Multi-violation drivers pay $180–$280/month for liability coverage. Defensive driving removes up to 4 points. See NY requirements.→

Ohio Multi-Violation Insurance: Rates After 12 PointsOhio suspends your license at 12 points in 24 months. Multi-violation drivers pay $160–$280/mo for coverage. See reinstatement requirements and which carriers write high-point policies.→

Oklahoma Points Suspension Insurance Rates & ReinstatementOklahoma suspends at 10 points in 5 years. Multi-violation drivers pay $180–$280/mo for liability. Defensive driving removes 2 points. See reinstatement steps and carrier options.→

Oregon Insurance After Points Suspension: Rates & ReinstatementOregon suspends licenses at 12 points in 12 months. Multi-violation drivers pay $180–$320/month for coverage. Learn reinstatement steps, defensive driving credit, and hardship permit options.→

Pennsylvania Points Suspension: Cost & ReinstatementPennsylvania suspends at 6 points — lower than most states. Defensive driving removes 3 points once every 3 years. Hardship permits not available. Reinstatement fee $88. See what you need.→

RI Auto Insurance After Violations: Rates & Point RulesRhode Island requires 25/50/25 liability. Multi-violation drivers pay $145–$210/mo. 12 points in 18 months suspends license. Defensive driving removes 3 points.→

SC Points Suspension: Reinstatement Path & CostsSouth Carolina suspends your license at 12 points in 12 months. Defensive driving removes 4 points. Route-restricted licenses available after 30 days. See reinstatement requirements and costs.→

South Dakota Points Suspension: Reinstatement & RatesSouth Dakota suspends at 15 points in 12 months. Defensive driving removes 3 points. Hardship permits available. See reinstatement steps and insurance costs.→

Texas Auto Insurance After Points Suspension: Costs & CarriersTexas suspends licenses at 6 points in 3 years. Drivers reinstating after multi-violation suspensions pay $145–$210/mo. Find carriers that write policies immediately.→

TN Car Insurance After 12-Point Suspension | Rates & RulesTennessee suspends licenses at 12 points in 12 months. Reinstatement costs $75. Post-suspension insurance runs $140-$310/mo minimum coverage. See point removal options and SR-22 rules.→

Utah Car Insurance After Multiple Violations – Rates & OptionsMulti-violation drivers in Utah pay $140–$210/mo. Utah suspends at 200 points in 3 years. Defensive driving removes 50 points once every 3 years. See rates.→

Vermont Points Suspension Insurance Rates & ReinstatementVermont suspends licenses at 10 points in 24 months. Defensive driving removes up to 4 points. Typical multi-violation rates: $140–$220/mo minimum coverage. See hardship options.→

Virginia Points Suspension: Reinstate License FastVirginia suspends at 18 points in 12 months. Hardship permits available within 21-30 days. Defensive driving removes 5 points. See reinstatement steps and insurance options.→

Washington Point Suspension Insurance Rates & RequirementsWashington suspends at 6 points in 12 months. Premiums after suspension average $180–$280/mo. No hardship option. See carrier options for multi-violation records.→

West Virginia Points Suspension — Reinstatement GuideWest Virginia suspends at 12 points in 24 months. Defensive driving removes up to 3 points, and hardship permits are available. See reinstatement requirements.→

Wisconsin Car Insurance After Multiple Violations & PointsWisconsin suspends licenses at 12 points in 12 months. Drivers with multiple violations pay $145–$210/mo for 25/50/10 minimum coverage. See reinstatement rules and which carriers write multi-violation policies.→

Wyoming Car Insurance After Points Suspension | Rates & RulesWyoming suspends licenses at 12 points in 12 months. Minimum coverage is 25/50/20 liability. Multi-violation rates run $145–$290/mo. See what Wyoming requires.→