Louisiana vs Oregon Car Insurance

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

Quick Verdict

More Affordable

Oregon is $920/yr cheaper on average.

Fewer Uninsured

Oregon has a lower uninsured rate (8.4% vs 11.7%).

Rate & Coverage Comparison

Attribute	Louisiana	Oregon
Avg Annual Premium	$2,600	$1,680
Min Liability	$850	$550
Full Coverage	$2,600	$1,680
Fault System	At-Fault (Tort)	At-Fault (Tort)
Uninsured Rate	11.7%	8.4%
Registered Vehicles	3,818,740	3,475,160
Accidents/Year	57,281	52,127
Population	4,657,000	4,238,000

Minimum Coverage Requirements

Louisiana

15/30 / 25 liability

Oregon

25/50 / 20 liability

Premium Comparison

Louisiana$850 – $2,600

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

Oregon$550 – $1,680

Liability: $550Avg: $1,680Full: $1,680

LouisianaFull rates, age breakdown, requirements →OregonFull 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 Oregon?

Oregon has cheaper car insurance, with an average annual premium of $1,680 compared to $2,600 in Louisiana - a difference of $920 per year.

How do Louisiana and Oregon compare on fault systems?

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

What are the minimum insurance requirements in Louisiana vs Oregon?

Louisiana requires 15/30 / 25 liability. Oregon requires 25/50 / 20 liability. Minimum liability costs $850/yr in Louisiana and $550/yr in Oregon.

Which state has more uninsured drivers, Louisiana or Oregon?

Louisiana has a higher uninsured driver rate at 11.7%, compared to 8.4% in Oregon. Higher uninsured rates typically mean higher uninsured motorist coverage costs.

Where does the Louisiana vs Oregon 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

Oregon

Avg Annual Premium

$2,600

$1,680

Min Liability

$850

$550

Full Coverage

$2,600

$1,680

Fault System

At-Fault (Tort)

Uninsured Rate

11.7%

8.4%

Registered Vehicles

3,818,740

3,475,160

Accidents/Year

57,281

52,127

Population

4,657,000

4,238,000