Louisiana vs Rhode Island Car Insurance

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

Quick Verdict

More Affordable

Rhode Island is $670/yr cheaper on average.

Fewer Uninsured

Louisiana has a lower uninsured rate (11.7% vs 15.6%).

Rate & Coverage Comparison

Attribute	Louisiana	Rhode Island
Avg Annual Premium	$2,600	$1,930
Min Liability	$850	$630
Full Coverage	$2,600	$1,930
Fault System	At-Fault (Tort)	At-Fault (Tort)
Uninsured Rate	11.7%	15.6%
Registered Vehicles	3,818,740	899,540
Accidents/Year	57,281	13,493
Population	4,657,000	1,097,000

Minimum Coverage Requirements

Louisiana

15/30 / 25 liability

Rhode Island

25/50 / 25 liability

Premium Comparison

Louisiana$850 – $2,600

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

Rhode Island$630 – $1,930

Liability: $630Avg: $1,930Full: $1,930

LouisianaFull rates, age breakdown, requirements →Rhode IslandFull 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 Rhode Island?

Rhode Island has cheaper car insurance, with an average annual premium of $1,930 compared to $2,600 in Louisiana - a difference of $670 per year.

How do Louisiana and Rhode Island compare on fault systems?

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

What are the minimum insurance requirements in Louisiana vs Rhode Island?

Louisiana requires 15/30 / 25 liability. Rhode Island requires 25/50 / 25 liability. Minimum liability costs $850/yr in Louisiana and $630/yr in Rhode Island.

Which state has more uninsured drivers, Louisiana or Rhode Island?

Rhode Island has a higher uninsured driver rate at 15.6%, compared to 11.7% in Louisiana. Higher uninsured rates typically mean higher uninsured motorist coverage costs.

Where does the Louisiana vs Rhode Island 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

Rhode Island

Avg Annual Premium

$2,600

$1,930

Min Liability

$850

$630

Full Coverage

$2,600

$1,930

Fault System

At-Fault (Tort)

Uninsured Rate

11.7%

15.6%

Registered Vehicles

3,818,740

899,540

Accidents/Year

57,281

13,493

Population

4,657,000

1,097,000