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No. 2 Most Expensive: Louisiana

Louisiana car insurance rates

Average rate: $1,921

Average rate for the top-selling vehicle in the country first quarter of 2017 F-150 XL: $1,859

Average rate for the top-selling SUV in the country first quarter of 2017 Nisan Rogue S: $1,830

Average rate for the top-selling sedan in the country first quarter of 2017 Toyota Camry LE: $2,098

Louisiana car insurance rates have been continuously expensive for drivers. The Bayou State was crowned the most expensive state three times, runner up twice (including this year) and has only been outside the top five once in the eight years Insure.com has conducted its state study. This year, Louisiana’s rate of $1,921 is 46 above the national average.

The litigious culture of Louisiana drivers keeps auto insurance premiums expensive. Additionally, elected judges reside over suits involving claims under $50,000. This is unusual compared to other states, where typically such suits would be decided by a jury. Insurance industry experts say judges tend to side with drivers over large insurance companies, which keeps claim payouts high – a cost that is then passed on to motorists.

Distracted drivers also play into the equation. As Louisiana Insurance Commissioner Jim Donelon pointed out, distracted driving is increasing the number of accidents. That combined with the high rate of claims and auto accidents that result in litigation, is working to keep auto insurance premiums high.

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