Penalties for Driving Without Auto Insurance in Louisiana

September 26, 2013

Don’t do it! Driving without auto insurance in Louisiana is a bad idea. Here’s what can happen.

If a police officer catches you without proof of insurance, he can issue you a violation, confiscate your license plates, and even impound your car.

Then you’ll only have three days to show proof of insurance to the OMV listed on your violation before your license plates are gone for good. If this happens, you’ll have to register your car all over again.

Paying all these fines and getting your car out of impound adds up really quick. You’d be much better off purchasing at least the minimum amount of auto coverage required by the law. In most cases, the minimum isn’t enough, especially if you rely on your car for work, but it’s a lot better than driving without any insurance at all.

What if my carrier cancels my auto insurance?

If your insurance carrier cancels your liability coverage, the OMV will flag your driver’s license and suspend your license.

To remove the flag and reinstate your license, you’ll have to show proof of a new insurance policy effective within 10 days of the cancellation date or proof that the car was sold, traded, junked, or moved to another state.

Don’t put this off. If you show proof within 10 days, you won’t have to pay any reinstatement fees. But, after 10 days, you will have to pay a fee, which will grow the longer you wait:

  • 11-30 days: $50
  • 31-90 days: $125
  • 91 or more days: $225

What if I cancel my auto insurance?

If you cancel your insurance policy, you’ll have to submit your license plates to the OMV 10 days before you cancel your policy. You’ll also have to submit a Statement of Non-Use to:

Office of Motor Vehicles
P.O. Box 64886
Baton Rouge, LA 70896

If you need to find an affordable auto insurance policy, request a free quote or call Guffey Insurance Agency at (225) 291-4544. As an independent insurance agency, we can show you quotes from several carriers and help you choose the best policy for your needs.