Louisiana vs Minnesota Car Insurance

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

Quick Verdict

More Affordable

Minnesota is $1,040/yr cheaper on average.

Fewer Uninsured

Minnesota has a lower uninsured rate (7.9% vs 11.7%).

Rate & Coverage Comparison

Attribute	Louisiana	Minnesota
Avg Annual Premium	$2,600	$1,560
Min Liability	$850	$510
Full Coverage	$2,600	$1,560
Fault System	At-Fault (Tort)	No-Fault
Uninsured Rate	11.7%	7.9%
Registered Vehicles	3,818,740	4,679,740
Accidents/Year	57,281	70,196
Population	4,657,000	5,707,000

Minimum Coverage Requirements

Louisiana

15/30 / 25 liability

Minnesota

30/60 / 10 liability

Premium Comparison

Louisiana$850 – $2,600

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

Minnesota$510 – $1,560

Liability: $510Avg: $1,560Full: $1,560

LouisianaFull rates, age breakdown, requirements →MinnesotaFull 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 Minnesota?

Minnesota has cheaper car insurance, with an average annual premium of $1,560 compared to $2,600 in Louisiana - a difference of $1,040 per year.

How do Louisiana and Minnesota compare on fault systems?

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

What are the minimum insurance requirements in Louisiana vs Minnesota?

Louisiana requires 15/30 / 25 liability. Minnesota requires 30/60 / 10 liability. Minimum liability costs $850/yr in Louisiana and $510/yr in Minnesota.

Which state has more uninsured drivers, Louisiana or Minnesota?

Louisiana has a higher uninsured driver rate at 11.7%, compared to 7.9% in Minnesota. Higher uninsured rates typically mean higher uninsured motorist coverage costs.

Where does the Louisiana vs Minnesota 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

Minnesota

Avg Annual Premium

$2,600

$1,560

Min Liability

$850

$510

Full Coverage

$2,600

$1,560

Fault System

At-Fault (Tort)

No-Fault

Uninsured Rate

11.7%

7.9%

Registered Vehicles

3,818,740

4,679,740

Accidents/Year

57,281

70,196

Population

4,657,000

5,707,000