Idaho vs Louisiana Car Insurance

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

Quick Verdict

More Affordable

Idaho is $1,500/yr cheaper on average.

Fewer Uninsured

Idaho has a lower uninsured rate (7.4% vs 11.7%).

Rate & Coverage Comparison

Attribute	Idaho	Louisiana
Avg Annual Premium	$1,100	$2,600
Min Liability	$360	$850
Full Coverage	$1,100	$2,600
Fault System	At-Fault (Tort)	At-Fault (Tort)
Uninsured Rate	7.4%	11.7%
Registered Vehicles	1,558,000	3,818,740
Accidents/Year	23,370	57,281
Population	1,900,000	4,657,000

Minimum Coverage Requirements

Idaho

25/50 / 15 liability

Louisiana

15/30 / 25 liability

Premium Comparison

Idaho$360 – $1,100

Liability: $360Avg: $1,100Full: $1,100

Louisiana$850 – $2,600

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

IdahoFull 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, Idaho or Louisiana?

Idaho has cheaper car insurance, with an average annual premium of $1,100 compared to $2,600 in Louisiana - a difference of $1,500 per year.

How do Idaho and Louisiana compare on fault systems?

Idaho 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 Idaho vs Louisiana?

Idaho requires 25/50 / 15 liability. Louisiana requires 15/30 / 25 liability. Minimum liability costs $360/yr in Idaho and $850/yr in Louisiana.

Which state has more uninsured drivers, Idaho or Louisiana?

Louisiana has a higher uninsured driver rate at 11.7%, compared to 7.4% in Idaho. Higher uninsured rates typically mean higher uninsured motorist coverage costs.

Where does the Idaho 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

Idaho

Louisiana

Avg Annual Premium

$1,100

$2,600

Min Liability

$360

$850

Full Coverage

$1,100

$2,600

Fault System

At-Fault (Tort)

Uninsured Rate

7.4%

11.7%

Registered Vehicles

1,558,000

3,818,740

Accidents/Year

23,370

57,281

Population

1,900,000

4,657,000