dcsimg
Prefer to talk to someone? Call a licensed agent: 1-855-289-9175
Get Personalized Car Insurance Quotes
ZIP

Valid zip code required

AGE

Please enter valid age between 16-100.

CURRENTLY INSURED?

Please select your current insurer.

MARRIED?
HOME OWNER?
SERVED IN MILITARY?
Shop - Auto insurance comparison shopping made easy!
COMPARE COMPANIES
Get matched instantly with up to 20 insurers in your area. Shopping made easy.
COMPARE QUOTES
We suggest choosing at least 3 companies to find one that works best for you.
SAVE MONEY
Comparison shopping can save you hundreds of dollars or more.

No. 2 most expensive: Louisiana

Last updated: April 18, 2019

By , Insure.com

Louisiana car insurance rates

Average annual rate: $2,298

Average annual rate for the top-selling vehicle in the country first quarter of 2019 F-150: $2,110

Average annual rate for the top-selling SUV in the country first quarter of 2019 Toyota RAV4 LE: $2,192

Average annual rate for the to-selling sedan in the country first quarter of 2019 Toyota Camry L: $2,514

Louisiana again is found to be the 2nd most expensive state in the nation for car insurance rates. It’s the third straight year ranking second; however, all but one year of our study it has been in the top five and topped the most expensive state list four times in the last ten years.

Louisiana’s annual auto insurance premium is 58 percent higher than the 2019 national car insurance average and nearly seven percent more its 2018 rates.

Not only does it have a high percentage of uninsured drivers, 13 percent, 40 percent of those that are insured only carry state minimum coverage levels. Higher liability limits don’t cost that much extra, and not only will get you better coverage but it may translate into you receiving reduced rates in the future as car insurance providers prefer drivers who continually carry higher limits.

Other reasons for high rates in Louisiana include poor roads, frequent natural disasters, and a low overall credit score for motorists in the state. In addition, Louisiana residents are considered to be some of the most litigious in the nation. Louisiana has a direct action law that allows residents to sue insurers directly. Lawsuits of this kind drive up the cost of insurance for everyone in the Pelican State.

To get the best rates drivers in Louisiana should work on building up good credit, keeping claims to a minimum (none is best) and a clean driving record.

Ready to get a quote?

Get quick and easy auto insurance quotes

Valid zip code required

Age?

Please select your Age.

x

Please select your current insurer.

Yes
No
Yes
No
Yes
No

Comments
Tell us your thoughts
0 Responses to "No. 2 most expensive: Louisiana"

No Comments

What do you think? You can add a helpful comment to this page by filling out the form below.