Louisiana vs Texas Car Insurance

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

Quick Verdict

More Affordable

Texas is $660/yr cheaper on average.

Fewer Uninsured

Louisiana has a lower uninsured rate (11.7% vs 14.1%).

Rate & Coverage Comparison

Attribute	Louisiana	Texas
Avg Annual Premium	$2,600	$1,940
Min Liability	$850	$640
Full Coverage	$2,600	$1,940
Fault System	At-Fault (Tort)	At-Fault (Tort)
Uninsured Rate	11.7%	14.1%
Registered Vehicles	3,818,740	23,899,720
Accidents/Year	57,281	358,495
Population	4,657,000	29,146,000

Minimum Coverage Requirements

Louisiana

15/30 / 25 liability

Texas

30/60 / 25 liability

Premium Comparison

Louisiana$850 – $2,600

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

Texas$640 – $1,940

Liability: $640Avg: $1,940Full: $1,940

LouisianaFull rates, age breakdown, requirements →TexasFull 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 Texas?

Texas has cheaper car insurance, with an average annual premium of $1,940 compared to $2,600 in Louisiana - a difference of $660 per year.

How do Louisiana and Texas compare on fault systems?

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

What are the minimum insurance requirements in Louisiana vs Texas?

Louisiana requires 15/30 / 25 liability. Texas requires 30/60 / 25 liability. Minimum liability costs $850/yr in Louisiana and $640/yr in Texas.

Which state has more uninsured drivers, Louisiana or Texas?

Texas has a higher uninsured driver rate at 14.1%, compared to 11.7% in Louisiana. Higher uninsured rates typically mean higher uninsured motorist coverage costs.

Where does the Louisiana vs Texas 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

Texas

Avg Annual Premium

$2,600

$1,940

Min Liability

$850

$640

Full Coverage

$2,600

$1,940

Fault System

At-Fault (Tort)

Uninsured Rate

11.7%

14.1%

Registered Vehicles

3,818,740

23,899,720

Accidents/Year

57,281

358,495

Population

4,657,000

29,146,000