Colorado vs Louisiana Car Insurance

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

Quick Verdict

More Affordable

Colorado is $500/yr cheaper on average.

Fewer Uninsured

Colorado has a lower uninsured rate (11.2% vs 11.7%).

Rate & Coverage Comparison

Attribute	Colorado	Louisiana
Avg Annual Premium	$2,100	$2,600
Min Liability	$690	$850
Full Coverage	$2,100	$2,600
Fault System	At-Fault (Tort)	At-Fault (Tort)
Uninsured Rate	11.2%	11.7%
Registered Vehicles	4,734,680	3,818,740
Accidents/Year	71,020	57,281
Population	5,774,000	4,657,000

Minimum Coverage Requirements

Colorado

25/50 / 15 liability

Louisiana

15/30 / 25 liability

Premium Comparison

Colorado$690 – $2,100

Liability: $690Avg: $2,100Full: $2,100

Louisiana$850 – $2,600

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

ColoradoFull 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, Colorado or Louisiana?

Colorado has cheaper car insurance, with an average annual premium of $2,100 compared to $2,600 in Louisiana - a difference of $500 per year.

How do Colorado and Louisiana compare on fault systems?

Colorado 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 Colorado vs Louisiana?

Colorado requires 25/50 / 15 liability. Louisiana requires 15/30 / 25 liability. Minimum liability costs $690/yr in Colorado and $850/yr in Louisiana.

Which state has more uninsured drivers, Colorado or Louisiana?

Louisiana has a higher uninsured driver rate at 11.7%, compared to 11.2% in Colorado. Higher uninsured rates typically mean higher uninsured motorist coverage costs.

Where does the Colorado 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

Colorado

Louisiana

Avg Annual Premium

$2,100

$2,600

Min Liability

$690

$850

Full Coverage

$2,100

$2,600

Fault System

At-Fault (Tort)

Uninsured Rate

11.2%

11.7%

Registered Vehicles

4,734,680

3,818,740

Accidents/Year

71,020

57,281

Population

5,774,000

4,657,000