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.
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.
