California vs Louisiana Car Insurance

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

Quick Verdict

More Affordable

California is $530/yr cheaper on average.

Fewer Uninsured

Louisiana has a lower uninsured rate (11.7% vs 15.2%).

Rate & Coverage Comparison

Attribute	California	Louisiana
Avg Annual Premium	$2,070	$2,600
Min Liability	$680	$850
Full Coverage	$2,070	$2,600
Fault System	At-Fault (Tort)	At-Fault (Tort)
Uninsured Rate	15.2%	11.7%
Registered Vehicles	32,421,159	3,818,740
Accidents/Year	486,317	57,281
Population	39,538,000	4,657,000

Minimum Coverage Requirements

California

15/30 / 5 liability

Louisiana

15/30 / 25 liability

Premium Comparison

California$680 – $2,070

Liability: $680Avg: $2,070Full: $2,070

Louisiana$850 – $2,600

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

CaliforniaFull 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, California or Louisiana?

California has cheaper car insurance, with an average annual premium of $2,070 compared to $2,600 in Louisiana - a difference of $530 per year.

How do California and Louisiana compare on fault systems?

California 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 California vs Louisiana?

California requires 15/30 / 5 liability. Louisiana requires 15/30 / 25 liability. Minimum liability costs $680/yr in California and $850/yr in Louisiana.

Which state has more uninsured drivers, California or Louisiana?

California has a higher uninsured driver rate at 15.2%, compared to 11.7% in Louisiana. Higher uninsured rates typically mean higher uninsured motorist coverage costs.

Where does the California 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

California

Louisiana

Avg Annual Premium

$2,070

$2,600

Min Liability

$680

$850

Full Coverage

$2,070

$2,600

Fault System

At-Fault (Tort)

Uninsured Rate

15.2%

11.7%

Registered Vehicles

32,421,159

3,818,740

Accidents/Year

486,317

57,281

Population

39,538,000

4,657,000