Car Insurance for Age 36-45 in Louisiana

Average auto insurance rates for 36-45 year old drivers in Louisiana (LA), including male vs female rate comparison.

Avg Annual Rate

$2,600

$874 above national avg

Male Rate

$2,652/yr

Female Rate

$2,548/yr

Cost Rank

of 51 states

Male vs Female Rates — Age 36-45 in Louisiana

Gender	Annual	Monthly	vs Average
Male	$2,652	$221	+$52
Female	$2,548	$212	$-52
Average	$2,600	$217	—

Male drivers aged 36-45 pay $104 more per year in Louisiana.

All Age Groups in Louisiana

Age Group	Average	Male	Female
16-19	$7,020	$7,930	$6,110
20-25	$4,680	$5,200	$4,160
26-35	$2,860	$2,990	$2,730
36-45 ←	$2,600	$2,652	$2,548
46-55	$2,470	$2,522	$2,418
56-65	$2,392	$2,444	$2,340
65+	$2,730	$2,808	$2,652

Most & Least Expensive States for Age 36-45

Most Expensive

#1	Michigan	$2,700
#2	Louisiana	$2,600
#3	Florida	$2,500
#4	New York	$2,320
#5	Kentucky	$2,200
#6	Colorado	$2,100
#7	Georgia	$2,100
#8	California	$2,070
#9	Nevada	$2,070
#10	Oklahoma	$2,030

Least Expensive

#51	Maine	$900
#50	Vermont	$1,000
#49	New Hampshire	$1,050
#48	Idaho	$1,100
#47	Hawaii	$1,270
#46	Wisconsin	$1,280
#45	Ohio	$1,290
#44	North Carolina	$1,350
#43	Iowa	$1,350
#42	North Dakota	$1,360

Louisiana Insurance Overview

State Avg Premium

$2,600/yr

Fault System

At-Fault (Tort)

Uninsured Rate

11.7%

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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

How much does car insurance cost for age 36-45 in Louisiana?

The average annual car insurance premium for 36-45 year olds in Louisiana is $2,600 (about $217/month). This is $874 above the national average of $1,726 for this age group.

Do males or females pay more for car insurance at age 36-45 in Louisiana?

In Louisiana, male drivers aged 36-45 pay more — $2,652/yr for males vs $2,548/yr for females, a difference of $104 per year.

How does Louisiana rank for age 36-45 insurance costs?

Louisiana ranks #2 out of 51 states for car insurance costs for 36-45 year olds (most expensive first). The cheapest state for this age group is Maine at $900/yr, while Michigan is the most expensive at $2,700/yr.

Why is car insurance more expensive for age 36-45 in Louisiana?

Insurance rates for 36-45 year olds in Louisiana are influenced by the state's at-fault (tort) system, local accident rates (57,281/yr), uninsured driver rate (11.7%), and population density. Louisiana has 3,818,740 registered vehicles.

How can 36-45 year olds save on car insurance in Louisiana?

36-45 year olds in Louisiana can save by: comparing quotes from multiple insurers (USAA is often the cheapest), maintaining a clean driving record, taking defensive driving courses, bundling policies, and asking about age-specific or good student discounts. Higher deductibles can also lower premiums.

Age 36-45 Rates in Other States

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