Louisiana
- ~$70–$90
- ~$190–$230
- $15K/$30K/$25K
Louisiana experiences some of the highest car insurance rates nationwide, driven by high accident rates, dense urban traffic in New Orleans and Baton Rouge, and a high uninsured motorist population. The state has a fault-based system and mandatory minimum coverage requirements, with weather-related risks adding to claims.
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Louisiana Auto Insurance Facts *
Drivers
- ~2.7–2.8 million licensed drivers as of 2023.
- High vehicle ownership with ~91% of households owning at least one vehicle.
- Predominance of older vehicles and sedans.
- Uninsured driver rate estimated at 17%.
- Heavy urban and highway travel.
Accidents
| Year | Reported Crashes | Injury Crashes | Fatal Crashes |
|---|---|---|---|
| 2018 | ~72,500 | ~21,300 | 629 |
| 2019 | ~74,000 | ~22,000 | 644 |
| 2020 | ~65,800 | ~19,500 | 654 |
| 2021 | ~70,300 | ~21,000 | 668 |
| 2022 | ~71,700 | ~21,400 | 679 |
Laws & Regulations
- Fault-based liability system.
- Mandatory personal injury protection (PIP).
- Uninsured motorist coverage mandatory.
