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No. 2 most expensive: Louisiana

Last updated: Nov. 25, 2018

By , Insure.com

Louisiana car insurance rates

Average rate: $2,126

Average rate for the top-selling vehicle in the country first quarter of 2018 F-150 XL: $2,078

Average rate for the top-selling SUV in the country first quarter of 2018 Nisan Rogue S: $2,074

Average rate for the top-selling sedan in the country first quarter of 2018 Toyota Camry L: $2,351

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

Louisiana’s annual auto insurance premium is $2,126, which is 56 percent higher than the national average and nearly 11 percent more than its average cost in 2017.

A high percentage, 13 percent, of uninsured drivers is a factor that continues to haunt Louisiana. Uninsured drivers push up the rates for motorists that do the right thing and carry car insurance.

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 is known to have inhabitants that are incredibly litigious. 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.

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