Louisiana vs South Carolina Car Insurance

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

Quick Verdict

More Affordable

South Carolina is $590/yr cheaper on average.

Fewer Uninsured

South Carolina has a lower uninsured rate (8.9% vs 11.7%).

Rate & Coverage Comparison

Attribute	Louisiana	South Carolina
Avg Annual Premium	$2,600	$2,010
Min Liability	$850	$660
Full Coverage	$2,600	$2,010
Fault System	At-Fault (Tort)	At-Fault (Tort)
Uninsured Rate	11.7%	8.9%
Registered Vehicles	3,818,740	4,197,580
Accidents/Year	57,281	62,963
Population	4,657,000	5,119,000

Minimum Coverage Requirements

Louisiana

15/30 / 25 liability

South Carolina

25/50 / 25 liability

Premium Comparison

Louisiana$850 – $2,600

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

South Carolina$660 – $2,010

Liability: $660Avg: $2,010Full: $2,010

LouisianaFull rates, age breakdown, requirements →South CarolinaFull 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 South Carolina?

South Carolina has cheaper car insurance, with an average annual premium of $2,010 compared to $2,600 in Louisiana - a difference of $590 per year.

How do Louisiana and South Carolina compare on fault systems?

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

What are the minimum insurance requirements in Louisiana vs South Carolina?

Louisiana requires 15/30 / 25 liability. South Carolina requires 25/50 / 25 liability. Minimum liability costs $850/yr in Louisiana and $660/yr in South Carolina.

Which state has more uninsured drivers, Louisiana or South Carolina?

Louisiana has a higher uninsured driver rate at 11.7%, compared to 8.9% in South Carolina. Higher uninsured rates typically mean higher uninsured motorist coverage costs.

Where does the Louisiana vs South Carolina 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

South Carolina

Avg Annual Premium

$2,600

$2,010

Min Liability

$850

$660

Full Coverage

$2,600

$2,010

Fault System

At-Fault (Tort)

Uninsured Rate

11.7%

8.9%

Registered Vehicles

3,818,740

4,197,580

Accidents/Year

57,281

62,963

Population

4,657,000

5,119,000