Car Insurance With Multiple Speeding Tickets in Louisiana

Louisiana assesses points for speeding violations based on how far over the limit you were traveling. A speeding ticket 1-14 mph over carries 2 points, 15-20 mph over carries 4 points, and anything above 20 mph over carries 6 points. If you accumulate 12 or more points within 12 months, the Louisiana Office of Motor Vehicles suspends your license. Multiple speeding tickets compound quickly. Two tickets for going 16 mph over the limit within a year puts you at 8 points — just one additional 4-point violation away from suspension. Three tickets of any severity within 12 months almost always triggers a suspension unless one or more tickets are successfully contested or deferred. Points from speeding tickets remain on your Louisiana driving record for three years from the date of conviction. After three years, the points are removed and no longer count toward the 12-point suspension threshold. However, the conviction itself remains visible on your record and continues to affect insurance rates for longer than the three-year point window. Louisiana SR-22 insurance requirements non-standard auto insurance

A single speeding ticket in Louisiana typically increases insurance premiums by 20-30%. A second ticket within three years pushes the total increase to 50-80% above your baseline rate. With three or more speeding tickets on your record, you can expect rate increases of 100-200% — effectively doubling or tripling your premium. Louisiana drivers with clean records pay an average of $2,400 per year for full coverage insurance. After multiple speeding tickets, that same coverage often costs $4,800 to $7,200 annually, depending on your carrier, age, and location. Carriers like State Farm and Allstate typically non-renew policies after three violations within 36 months, forcing drivers into the non-standard insurance market where rates are higher and coverage options are more limited. The rate increase persists even after points fall off your Louisiana driving record. Most major carriers use a five-year lookback period for underwriting and rating purposes, meaning convictions continue to affect your premiums for two additional years beyond the three-year point removal window. This mismatch creates a situation where your official driving record is clean but your insurance rates remain elevated.

Standard carriers like State Farm, Allstate, and Progressive typically decline coverage or non-renew existing policies once a driver accumulates three or more speeding tickets within a three-year period. At this threshold, most drivers are moved into the non-standard insurance market, where specialized carriers underwrite higher-risk profiles. In Louisiana, non-standard carriers that actively write policies for drivers with multiple speeding tickets include Dairyland, The General, and Direct Auto. These carriers specialize in high-risk drivers and do not automatically decline coverage based on violation count alone. However, premiums are significantly higher — often 40-60% above what a standard carrier would charge for a clean-record driver. Shopping across multiple carriers is the single highest-leverage action available to drivers with multiple tickets. Rate differences between non-standard carriers for the same driver profile can exceed $1,500 annually. Dairyland may quote $400 per month while The General quotes $280 for identical coverage limits. This variance exists because each carrier weights violation types differently in their underwriting models.

Louisiana does not require SR-22 filing for standard speeding ticket convictions, even if you have accumulated multiple tickets. SR-22 is reserved for specific violations including DUI, driving without insurance, at-fault accidents while uninsured, reckless driving causing injury, and license suspension related to failure to pay fines or child support. If your license was suspended due to accumulating 12 or more points — which can happen with multiple speeding tickets in a short period — Louisiana may require SR-22 filing as a condition of reinstatement. The SR-22 requirement is tied to the suspension, not the speeding tickets themselves. SR-22 filing costs $25-50 in Louisiana and must be maintained continuously for three years from the date of reinstatement. If you do require SR-22 filing, not all non-standard carriers offer it. Dairyland and The General both file SR-22 in Louisiana, but Direct Auto does not in all parishes. Confirm SR-22 availability before completing an application if your license was suspended and reinstatement paperwork specifies an SR-22 requirement.

Louisiana speeding ticket convictions fall off your driving record three years from the date of conviction, but your insurance rates will not automatically drop at that point. Most carriers re-rate policies annually at renewal, meaning you may not see rate relief until your next renewal date after the three-year mark. Additionally, many carriers continue to surcharge for violations up to five years, even after points are removed. To accelerate rate recovery, complete a Louisiana-approved defensive driving course. The Louisiana Office of Motor Vehicles allows drivers to reduce their point total by up to 4 points once every 12 months by completing an approved course. This does not remove the conviction from your record, but it can prevent suspension if you are near the 12-point threshold and may trigger modest rate relief from some carriers. Re-shop your insurance every six months while multiple tickets remain on your record. As time passes and your most recent violation ages, different carriers will offer progressively better rates. A carrier that declined you 18 months ago may offer coverage at a competitive rate once your most recent ticket is two years old. The shift from non-standard back to standard coverage typically occurs when your most recent violation reaches the three-year mark and no new violations have occurred.

If your premiums have doubled or tripled due to multiple speeding tickets, increasing your deductible is the most effective way to reduce monthly costs without sacrificing liability protection. Raising your collision and comprehensive deductibles from $500 to $1,000 typically reduces premiums by 15-25%. Moving to a $2,500 deductible can cut premiums by 30-40%, though this requires maintaining an emergency fund to cover out-of-pocket costs in the event of a claim. Louisiana's minimum liability limits are 15/30/25 — $15,000 per person for bodily injury, $30,000 per accident, and $25,000 for property damage. These minimums are insufficient for most serious accidents, but if you are priced out of higher limits due to multiple tickets, maintaining minimum liability is preferable to driving uninsured. Driving without insurance in Louisiana carries a $500-1,000 fine, license suspension, and potential SR-22 requirements upon reinstatement. Do not drop liability coverage below state minimums to save money. If you cause an at-fault accident without insurance, you face personal liability for all damages, a guaranteed license suspension, and mandatory SR-22 filing for three years. The long-term financial and legal cost of driving uninsured far exceeds the short-term savings on premiums. liability insurance coverage