HB 875 Louisiana House · 2026 Regular Session

MTR VEHICLE/OFFICE: Provides relative to lapses in motor vehicle liability security (EG DECREASE SG RV See Note)

HB 875 modifies Louisiana's fees for drivers who let auto insurance lapse. It reduces reinstatement fees based on lapse duration (e.g., $150 for 1-30 days, $250 for 31-90 days, $450 for over 90 days) and increases the grace period before fees apply to 30 days for first-time lapses. The bill exempts fees if insurance lapses were ≤30 days and the license plate is surrendered within 30 days, or for first-time lapses with 10-day advance notice. It also caps total fees at $850 for drivers under 65 and $250 for seniors aged 65+, with fees becoming final debt after 60 days. This directly affects Louisiana drivers who experience insurance coverage gaps.

Bill status passed 3 of 5 stages cleared

Introduction

Feb 2026

Committee Review

Mar 2026

House Passage

Mar 2026

Senate Passage

Governor

Introduced Feb 27, 2026 Last action Mar 31, 2026

Maddy AI version diff · 1 comparison

What changed between versions

HB875 Original → HB875 Engrossed · 4 edits · Mar 30, 2026

MODERATE

The bill modifies grace periods and reinstatement fees for drivers who lapse their auto insurance. It extends the grace period to 30 days for first-time offenders but limits subsequent violations to a 10-day grace period, while adjusting fee structures to reflect these new timelines.

Scope change

The bill's scope remains focused on motor vehicle liability security lapses, but the applicability of grace periods and fee amounts has been altered based on whether the violation is a first offense or a repeat offense.

TIMELINE

The grace period for first-time insurance lapses was increased to 30 days, whereas previous rules allowed for longer grace periods in some contexts or different fee thresholds.

For subsequent violations, the grace period was reduced to 10 days, meaning repeat offenders face reinstatement fees much faster than first-time offenders.

REQUIREMENT

Reinstatement fees were restructured to differentiate between first-time lapses (30-day grace) and repeat lapses (10-day grace), with specific dollar amounts tied to the duration of the lapse.

A new exemption was added where no reinstatement fee is charged if proof of insurance is provided within 60 days of the notice for multiple violations.

Floor votes · House Mar 30, 2026

How they voted

99–0

Passed · 8 other

Total votes 107

Mar 30, 2026

D Democratic33

31 Yea 2

93% Yea

R Republican74

68 Yea 6

91% Yea

Vote distribution

All Yea All Nay Mixed No data

Full legislative history

Actions timeline

Total actions

Key actions

Committee

Mar 30, 2026

Lower · Passed

Read third time by title, roll called on final passage, yeas 98, nays 0. Finally passed, title adopted, ordered to the Senate.

lower

Mar 16, 2026

Lower · Passed

Reported with amendments (16-0).

lower

Mar 9, 2026

Committee

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

lower

Feb 27, 2026

Committee

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

lower

1 primary · 17 co-sponsors