Louisiana Auto Insurance After Multiple Traffic Violations
Louisiana requires 15/30/25 liability coverage and is an at-fault state.
Get My Point-Reduction Insurance QuoteLouisiana at a Glance
15/30/25
Minimum liability limits, in thousands of dollars (per person / per accident / property)
At-fault
The at-fault driver's insurance pays for the damage they cause
Optional
PIP and uninsured motorist coverage are not required by law
$125
State license reinstatement fee
Source: state DMV, insurance department and statute records, verified July 2026
Minimum Coverage Requirements in Louisiana
Louisiana operates under a tort-based liability system and requires continuous proof of insurance—electronic verification runs automatically against your license plate. The state uses a cumulative point system: 12 points in 12 months triggers suspension, with each moving violation adding 2–8 points depending on severity. Points remain on your driving record for 3 years from the conviction date, and defensive driving courses approved by the Louisiana Department of Public Safety and Corrections can remove 4 points once every 12 months.
Bodily Injury Liability
Property Damage Liability
Uninsured Motorist Bodily Injury
Collision Coverage
Comprehensive Coverage
What Drivers Pay in Louisiana
$260–$508/mo
Typical monthly rate in Louisiana, high-risk drivers after a DUI
Rate data: ValuePenguin and Insurify, 2026
What Affects Your Rate
- Time since most recent violation—points remain on your record for 3 years, but premium impact decreases after 12 months if no new violations occur.
Find Coverage While Your Points Come Down
Get My Point-Reduction Insurance QuoteIf your license is suspended
Restricted license (economic/medical hardship, RS 32:415.1)
A restricted license is available while suspended.
A coverage lapse is reported
The state acts on a lapse after 10 days.
Source: state DMV, insurance department and statute records, verified July 2026
Frequently Asked Questions
How many points suspend your license in Louisiana?
Louisiana suspends your license when you accumulate 12 points within 12 months. Each moving violation adds 2–8 points depending on severity: speeding 10–14 mph over adds 2 points, reckless driving adds 6 points, racing adds 8 points. Points remain on your driving record for 3 years from the conviction date, but the suspension threshold calculation uses only points accumulated in the most recent 12-month window.
Does Louisiana allow hardship licenses for points suspensions?
Louisiana allows hardship permits (officially called hardship licenses) for drivers suspended due to point accumulation. You apply through the Office of Motor Vehicles after completing any required defensive driving course and paying the reinstatement fee. The permit restricts driving to work, school, medical appointments, and court-ordered obligations. Processing takes approximately 10–15 business days, and you must maintain continuous insurance during the hardship period.
Do I need SR-22 after a points suspension in Louisiana?
Louisiana does not require SR-22 filing for points-threshold suspension alone. SR-22 is required only for specific serious offenses: DUI, reckless driving, driving without insurance, racing, or at-fault accidents while uninsured. If your most recent violation was one of these offenses, you need SR-22 for 3 years regardless of your point total. Points-only suspension without these underlying offenses requires proof of insurance at reinstatement but not SR-22 filing.
How long do points stay on your record in Louisiana?
Points remain on your Louisiana driving record for 3 years from the conviction date. The suspension threshold calculation uses a rolling 12-month window, so points older than 12 months do not count toward the 12-point suspension trigger even though they remain visible on your record. Insurance carriers typically price based on the full 3-year violation history, not just the 12-month suspension window, so premium impact continues until points age off completely.
Coverage Types
High-Risk Auto Insurance
Coverage for drivers with multiple moving violations, point totals near suspension thresholds, or recent at-fault accidents. Non-standard carriers specialize in multi-violation profiles and offer payment plans standard carriers deny.
Multi-Violation Driver Insurance
Policies designed for drivers carrying 6–11 points who remain below suspension threshold but exceed standard carrier risk tolerance. Includes liability, collision, and comprehensive with higher deductibles and monthly payment options.
Liability Insurance
Bodily injury and property damage coverage required by Louisiana law. Minimum limits are 15/30/25, but 50/100/50 or higher protects your assets if you cause a serious accident while carrying an elevated point total.
SR-22 Insurance
Certificate of financial responsibility filed by your carrier directly with the Louisiana Department of Public Safety. Not a separate insurance type—it's a filing attached to your existing policy. Required for specific serious offenses.
Uninsured Motorist Coverage
Covers your medical bills and lost wages when an uninsured or underinsured driver hits you. Louisiana automatically includes this at your liability limits unless you reject it in writing at policy inception.
Standard Auto Post-Suspension
Coverage for drivers reinstating their license after points-cause suspension. Requires proof of reinstatement from the Office of Motor Vehicles, payment of the $100 reinstatement fee, and continuous coverage for 3 years to avoid repeat suspension.