Kansas vs Louisiana Car Insurance

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

Quick Verdict

More Affordable

Kansas is $910/yr cheaper on average.

Fewer Uninsured

Kansas has a lower uninsured rate (7.2% vs 11.7%).

Rate & Coverage Comparison

Attribute	Kansas	Louisiana
Avg Annual Premium	$1,690	$2,600
Min Liability	$550	$850
Full Coverage	$1,690	$2,600
Fault System	No-Fault	At-Fault (Tort)
Uninsured Rate	7.2%	11.7%
Registered Vehicles	2,408,340	3,818,740
Accidents/Year	36,125	57,281
Population	2,937,000	4,657,000

Minimum Coverage Requirements

Kansas

25/50 / 25 liability

Louisiana

15/30 / 25 liability

Premium Comparison

Kansas$550 – $1,690

Liability: $550Avg: $1,690Full: $1,690

Louisiana$850 – $2,600

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

KansasFull 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, Kansas or Louisiana?

Kansas has cheaper car insurance, with an average annual premium of $1,690 compared to $2,600 in Louisiana - a difference of $910 per year.

How do Kansas and Louisiana compare on fault systems?

Kansas uses a no-fault system while Louisiana uses a at-fault (tort) system. This difference in fault systems directly affects how claims are processed and can influence premium costs.

What are the minimum insurance requirements in Kansas vs Louisiana?

Kansas requires 25/50 / 25 liability. Louisiana requires 15/30 / 25 liability. Minimum liability costs $550/yr in Kansas and $850/yr in Louisiana.

Which state has more uninsured drivers, Kansas or Louisiana?

Louisiana has a higher uninsured driver rate at 11.7%, compared to 7.2% in Kansas. Higher uninsured rates typically mean higher uninsured motorist coverage costs.

Where does the Kansas 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

Kansas

Louisiana

Avg Annual Premium

$1,690

$2,600

Min Liability

$550

$850

Full Coverage

$1,690

$2,600

Fault System

No-Fault

At-Fault (Tort)

Uninsured Rate

7.2%

11.7%

Registered Vehicles

2,408,340

3,818,740

Accidents/Year

36,125

57,281

Population

2,937,000

4,657,000