Kentucky vs Louisiana Car Insurance

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

Quick Verdict

More Affordable

Kentucky is $400/yr cheaper on average.

Fewer Uninsured

Louisiana has a lower uninsured rate (11.7% vs 13.8%).

Rate & Coverage Comparison

Attribute	Kentucky	Louisiana
Avg Annual Premium	$2,200	$2,600
Min Liability	$720	$850
Full Coverage	$2,200	$2,600
Fault System	No-Fault	At-Fault (Tort)
Uninsured Rate	13.8%	11.7%
Registered Vehicles	3,694,920	3,818,740
Accidents/Year	55,423	57,281
Population	4,506,000	4,657,000

Minimum Coverage Requirements

Kentucky

25/50 / 25 liability

Louisiana

15/30 / 25 liability

Premium Comparison

Kentucky$720 – $2,200

Liability: $720Avg: $2,200Full: $2,200

Louisiana$850 – $2,600

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

KentuckyFull 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, Kentucky or Louisiana?

Kentucky has cheaper car insurance, with an average annual premium of $2,200 compared to $2,600 in Louisiana - a difference of $400 per year.

How do Kentucky and Louisiana compare on fault systems?

Kentucky 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 Kentucky vs Louisiana?

Kentucky requires 25/50 / 25 liability. Louisiana requires 15/30 / 25 liability. Minimum liability costs $720/yr in Kentucky and $850/yr in Louisiana.

Which state has more uninsured drivers, Kentucky or Louisiana?

Kentucky has a higher uninsured driver rate at 13.8%, compared to 11.7% in Louisiana. Higher uninsured rates typically mean higher uninsured motorist coverage costs.

Where does the Kentucky 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

Kentucky

Louisiana

Avg Annual Premium

$2,200

$2,600

Min Liability

$720

$850

Full Coverage

$2,200

$2,600

Fault System

No-Fault

At-Fault (Tort)

Uninsured Rate

13.8%

11.7%

Registered Vehicles

3,694,920

3,818,740

Accidents/Year

55,423

57,281

Population

4,506,000

4,657,000