Alabama vs Louisiana Car Insurance

Side-by-side car insurance rate comparison based on data from NAIC & State DOI.

Quick Verdict

More Affordable

Alabama is $710/yr cheaper on average.

Fewer Uninsured

Louisiana has a lower uninsured rate (11.7% vs 18.0%).

Rate & Coverage Comparison

Attribute	Alabama	Louisiana
Avg Annual Premium	$1,890	$2,600
Min Liability	$620	$850
Full Coverage	$1,890	$2,600
Fault System	At-Fault (Tort)	At-Fault (Tort)
Uninsured Rate	18.0%	11.7%
Registered Vehicles	4,119,679	3,818,740
Accidents/Year	61,795	57,281
Population	5,024,000	4,657,000

Minimum Coverage Requirements

Alabama

25/50 / 25 liability

Louisiana

15/30 / 25 liability

Premium Comparison

Alabama$620 – $1,890

Liability: $620Avg: $1,890Full: $1,890

Louisiana$850 – $2,600

Liability: $850Avg: $2,600Full: $2,600

AlabamaFull rates, age breakdown, requirements →LouisianaFull rates, age breakdown, requirements →

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CarInsurancePeek Editorial TeamInsurance Data Specialists

The CarInsurancePeek editorial team aggregates and verifies car insurance rate data from NAIC & State DOI. Every statistic is cross-referenced against official state DOI filings before publication, with quarterly re-verification cycles.

Sourced from NAIC & State DOIQuarterly reviewNo paid placements

Read our full methodology or contact us with corrections.

Frequently Asked Questions

Which state has cheaper car insurance, Alabama or Louisiana?

Alabama has cheaper car insurance, with an average annual premium of $1,890 compared to $2,600 in Louisiana - a difference of $710 per year.

How do Alabama and Louisiana compare on fault systems?

Alabama uses a at-fault (tort) system while Louisiana uses a at-fault (tort) system. Both states use the same system.

What are the minimum insurance requirements in Alabama vs Louisiana?

Alabama requires 25/50 / 25 liability. Louisiana requires 15/30 / 25 liability. Minimum liability costs $620/yr in Alabama and $850/yr in Louisiana.

Which state has more uninsured drivers, Alabama or Louisiana?

Alabama has a higher uninsured driver rate at 18.0%, compared to 11.7% in Louisiana. Higher uninsured rates typically mean higher uninsured motorist coverage costs.

Where does the Alabama vs Louisiana insurance data come from?

All insurance rate data comes from NAIC & State DOI (2025). Premiums represent state-wide averages and individual rates vary based on driving history, age, vehicle, and coverage levels. Visit our methodology page for details.

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Attribute

Alabama

Louisiana

Avg Annual Premium

$1,890

$2,600

Min Liability

$620

$850

Full Coverage

$1,890

$2,600

Fault System

At-Fault (Tort)

Uninsured Rate

18.0%

11.7%

Registered Vehicles

4,119,679

3,818,740

Accidents/Year

61,795

57,281

Population

5,024,000

4,657,000