Louisiana vs New York Car Insurance

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

Quick Verdict

More Affordable

New York is $280/yr cheaper on average.

Fewer Uninsured

New York has a lower uninsured rate (6.1% vs 11.7%).

Rate & Coverage Comparison

Attribute	Louisiana	New York
Avg Annual Premium	$2,600	$2,320
Min Liability	$850	$760
Full Coverage	$2,600	$2,320
Fault System	At-Fault (Tort)	No-Fault
Uninsured Rate	11.7%	6.1%
Registered Vehicles	3,818,740	16,564,819
Accidents/Year	57,281	248,472
Population	4,657,000	20,201,000

Minimum Coverage Requirements

Louisiana

15/30 / 25 liability

New York

25/50 / 10 liability

Premium Comparison

Louisiana$850 – $2,600

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

New York$760 – $2,320

Liability: $760Avg: $2,320Full: $2,320

LouisianaFull rates, age breakdown, requirements →New YorkFull 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 New York?

New York has cheaper car insurance, with an average annual premium of $2,320 compared to $2,600 in Louisiana - a difference of $280 per year.

How do Louisiana and New York compare on fault systems?

Louisiana uses a at-fault (tort) system while New York 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 New York?

Louisiana requires 15/30 / 25 liability. New York requires 25/50 / 10 liability. Minimum liability costs $850/yr in Louisiana and $760/yr in New York.

Which state has more uninsured drivers, Louisiana or New York?

Louisiana has a higher uninsured driver rate at 11.7%, compared to 6.1% in New York. Higher uninsured rates typically mean higher uninsured motorist coverage costs.

Where does the Louisiana vs New York 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

New York

Avg Annual Premium

$2,600

$2,320

Min Liability

$850

$760

Full Coverage

$2,600

$2,320

Fault System

At-Fault (Tort)

No-Fault

Uninsured Rate

11.7%

6.1%

Registered Vehicles

3,818,740

16,564,819

Accidents/Year

57,281

248,472

Population

4,657,000

20,201,000