HB 582 Louisiana House · 2026 Regular Session

MTR VEHICLE/OFFICE: Provides relative to reinstatement fees for lapses of vehicle liability security (RE DECREASE SG RV See Note)

HB 582 reduces fees and extends grace periods for drivers who let their auto insurance lapse in Louisiana. It lowers reinstatement fees (from up to $540 to $175-$250 depending on lapse duration), extends the grace period before fees apply from 10-15 days to 30 days for certain cases, and caps total fees at $850 for under-65 drivers. Drivers who provide proof of insurance within 60 days of notice avoid fees, and seniors (65+) face a maximum $250 fee. This bill directly affects Louisiana drivers with lapses in vehicle liability insurance coverage.

Bill status passed 3 of 5 stages cleared

Introduction

Feb 2026

Committee Review

Mar 2026

House Passage

May 2026

Senate Passage

Governor

Introduced Feb 26, 2026 Last action May 20, 2026

Maddy AI version diff · 2 comparisons

What changed between versions

HB582 Reengrossed → HB582 Engrossed · 3 edits · May 18, 2026

MINOR

The bill reduces reinstatement fees for drivers who lapse their vehicle insurance and extends the grace period before these fees apply. Specifically, the grace period for avoiding reinstatement fees increases from 10 days to 15 days. Additionally, the financial penalties for lapsing coverage are lowered across all timeframes, ranging from a $25 reduction for short lapses to a $100 reduction for long-term lapses.

Scope change

The scope of applicability remains the same, targeting vehicle liability security coverage lapses, but the thresholds for when fees are imposed have shifted to be more lenient.

TIMELINE

The grace period for avoiding reinstatement fees was extended from 10 days to 15 days.

FISCAL

Reinstatement fees were reduced for all lapse durations: $100 to $75 for 1-30 days, $250 to $200 for 31-90 days, and $500 to $400 for over 90 days.

REQUIREMENT

The specific requirement for a $50 fee on first violations with notice given within one to five days was removed as part of the fee restructuring.

Floor votes · House May 18, 2026

How they voted

95–0

Passed · 12 other

Total votes 107

May 18, 2026

D Democratic33

29 Yea 4

87% Yea

R Republican74

66 Yea 8

89% Yea

Vote distribution

All Yea All Nay Mixed No data

Full legislative history

Actions timeline

Total actions

Key actions

Committee

May 18, 2026

Lower · Passed

Read third time by title, amended, roll called on final passage, yeas 92, nays 0. Finally passed, title adopted, ordered to the Senate.

lower

Mar 23, 2026

Lower · Passed

Reported favorably (14-0).

lower

Mar 9, 2026

Committee

Read by title, under the rules, referred to the Committee on Transportation, Highways and Public Works.

lower

Feb 26, 2026

Committee

Under the rules, provisionally referred to the Committee on Transportation, Highways and Public Works.

lower

1 primary · 0 co-sponsors