Louisiana vs Maryland Car Insurance

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

Quick Verdict

More Affordable

Maryland is $730/yr cheaper on average.

Fewer Uninsured

Louisiana has a lower uninsured rate (11.7% vs 12.2%).

Rate & Coverage Comparison

Attribute	Louisiana	Maryland
Avg Annual Premium	$2,600	$1,870
Min Liability	$850	$610
Full Coverage	$2,600	$1,870
Fault System	At-Fault (Tort)	At-Fault (Tort)
Uninsured Rate	11.7%	12.2%
Registered Vehicles	3,818,740	5,065,140
Accidents/Year	57,281	75,977
Population	4,657,000	6,177,000

Minimum Coverage Requirements

Louisiana

15/30 / 25 liability

Maryland

30/60 / 15 liability

Premium Comparison

Louisiana$850 – $2,600

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

Maryland$610 – $1,870

Liability: $610Avg: $1,870Full: $1,870

LouisianaFull rates, age breakdown, requirements →MarylandFull 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, Louisiana or Maryland?

Maryland has cheaper car insurance, with an average annual premium of $1,870 compared to $2,600 in Louisiana - a difference of $730 per year.

How do Louisiana and Maryland compare on fault systems?

Louisiana uses a at-fault (tort) system while Maryland uses a at-fault (tort) system. Both states use the same system.

What are the minimum insurance requirements in Louisiana vs Maryland?

Louisiana requires 15/30 / 25 liability. Maryland requires 30/60 / 15 liability. Minimum liability costs $850/yr in Louisiana and $610/yr in Maryland.

Which state has more uninsured drivers, Louisiana or Maryland?

Maryland has a higher uninsured driver rate at 12.2%, compared to 11.7% in Louisiana. Higher uninsured rates typically mean higher uninsured motorist coverage costs.

Where does the Louisiana vs Maryland 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

Louisiana

Maryland

Avg Annual Premium

$2,600

$1,870

Min Liability

$850

$610

Full Coverage

$2,600

$1,870

Fault System

At-Fault (Tort)

Uninsured Rate

11.7%

12.2%

Registered Vehicles

3,818,740

5,065,140

Accidents/Year

57,281

75,977

Population

4,657,000

6,177,000