Almost every state (except New Hampshire and Virginia) requires its licensed drivers to have a minimum amount of insurance coverage. The required insurance generally includes bodily injury liability coverage and property damage liability coverage in certain minimum amounts.

The cost of insurance is affected by many factors, including the driver’s driving record. A single speeding ticket can increase your insurance rates by as much as 25-30%, and more serious offenses such as DUI/DWI, street racing, or hit-and-run can increase the cost of your insurance by 75% or more.

A driver who has received a ticket or citation for a criminal offense or traffic violation with the potential to increase their insurance rates may want to consult with a lawyer who has relevant experience and expertise.

In Louisiana (LA), drivers are required to carry a minimum amount of auto insurance. This includes bodily injury liability coverage with a minimum of $15,000 per person and $30,000 per accident, and property damage liability coverage with a minimum of $25,000. These are often referred to as 15/30/25 coverage. The cost of auto insurance in Louisiana can be significantly influenced by a driver's record. Traffic violations such as speeding can result in a 25-30% increase in insurance premiums, while more severe infractions like DUI/DWI, street racing, or hit-and-run may lead to increases of 75% or more. Given the potential financial impact of such offenses on insurance rates, drivers in Louisiana who have received citations or are facing charges for traffic violations may benefit from consulting with an attorney who specializes in traffic law to explore their options and possibly mitigate the consequences on their insurance costs.