Louisiana vs Wyoming Car Insurance

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

Quick Verdict

More Affordable

Wyoming is $1,170/yr cheaper on average.

Fewer Uninsured

Wyoming has a lower uninsured rate (5.8% vs 11.7%).

Rate & Coverage Comparison

Attribute	Louisiana	Wyoming
Avg Annual Premium	$2,600	$1,430
Min Liability	$850	$470
Full Coverage	$2,600	$1,430
Fault System	At-Fault (Tort)	At-Fault (Tort)
Uninsured Rate	11.7%	5.8%
Registered Vehicles	3,818,740	473,140
Accidents/Year	57,281	7,097
Population	4,657,000	577,000

Minimum Coverage Requirements

Louisiana

15/30 / 25 liability

Wyoming

25/50 / 20 liability

Premium Comparison

Louisiana$850 – $2,600

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

Wyoming$470 – $1,430

Liability: $470Avg: $1,430Full: $1,430

LouisianaFull rates, age breakdown, requirements →WyomingFull 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 Wyoming?

Wyoming has cheaper car insurance, with an average annual premium of $1,430 compared to $2,600 in Louisiana - a difference of $1,170 per year.

How do Louisiana and Wyoming compare on fault systems?

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

What are the minimum insurance requirements in Louisiana vs Wyoming?

Louisiana requires 15/30 / 25 liability. Wyoming requires 25/50 / 20 liability. Minimum liability costs $850/yr in Louisiana and $470/yr in Wyoming.

Which state has more uninsured drivers, Louisiana or Wyoming?

Louisiana has a higher uninsured driver rate at 11.7%, compared to 5.8% in Wyoming. Higher uninsured rates typically mean higher uninsured motorist coverage costs.

Where does the Louisiana vs Wyoming 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

Wyoming

Avg Annual Premium

$2,600

$1,430

Min Liability

$850

$470

Full Coverage

$2,600

$1,430

Fault System

At-Fault (Tort)

Uninsured Rate

11.7%

5.8%

Registered Vehicles

3,818,740

473,140

Accidents/Year

57,281

7,097

Population

4,657,000

577,000