Louisiana vs Virginia Car Insurance

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

Quick Verdict

More Affordable

Virginia is $1,020/yr cheaper on average.

Fewer Uninsured

Virginia has a lower uninsured rate (9.6% vs 11.7%).

Rate & Coverage Comparison

Attribute	Louisiana	Virginia
Avg Annual Premium	$2,600	$1,580
Min Liability	$850	$520
Full Coverage	$2,600	$1,580
Fault System	At-Fault (Tort)	At-Fault (Tort)
Uninsured Rate	11.7%	9.6%
Registered Vehicles	3,818,740	7,077,420
Accidents/Year	57,281	106,161
Population	4,657,000	8,631,000

Minimum Coverage Requirements

Louisiana

15/30 / 25 liability

Virginia

30/60 / 20 liability

Premium Comparison

Louisiana$850 – $2,600

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

Virginia$520 – $1,580

Liability: $520Avg: $1,580Full: $1,580

LouisianaFull rates, age breakdown, requirements →VirginiaFull 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 Virginia?

Virginia has cheaper car insurance, with an average annual premium of $1,580 compared to $2,600 in Louisiana - a difference of $1,020 per year.

How do Louisiana and Virginia compare on fault systems?

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

What are the minimum insurance requirements in Louisiana vs Virginia?

Louisiana requires 15/30 / 25 liability. Virginia requires 30/60 / 20 liability. Minimum liability costs $850/yr in Louisiana and $520/yr in Virginia.

Which state has more uninsured drivers, Louisiana or Virginia?

Louisiana has a higher uninsured driver rate at 11.7%, compared to 9.6% in Virginia. Higher uninsured rates typically mean higher uninsured motorist coverage costs.

Where does the Louisiana vs Virginia 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

Virginia

Avg Annual Premium

$2,600

$1,580

Min Liability

$850

$520

Full Coverage

$2,600

$1,580

Fault System

At-Fault (Tort)

Uninsured Rate

11.7%

9.6%

Registered Vehicles

3,818,740

7,077,420

Accidents/Year

57,281

106,161

Population

4,657,000

8,631,000