PriceProtect™
DriveShield™
GarageGuard™
Services
Insurance
Car Insurance
Compare Car Insurance with Jerry
Jerry’s Expert Advice
Car Insurance Estimates
Home & Renters Insurance
Renters Insurance
Loans
Car Loan
Compare Car Loans with Jerry
Jerry's Expert Advice
Car Loan Guides
Repairs
Car Repair Estimates
Repair Estimates for Popular Services
Advice
Read Car Content
Browse Jerry Car Advice
Check Out Expert Car QnA
Learn About How We Create Content
Jerry Data & Research
Why are car insurance rates so high in Louisiana?
I live in New Orleans and I recently renewed my policy. I insure two cars and two drivers, and suddenly my insurance is more than my actual loan payments. I've only been in one car accident in the past five years, and it wasn't my fault. Why is car insurance so expensive?
Scott Michonski Testing · Updated on
Reviewed by Shannon Martin, Licensed Insurance Agent.
“Louisiana generally has the second-highest car insurance rates in the country, trailing only Michigan. For a year’s worth of insurance, the average rate is nearly $2,400.
The reason why Louisiana is so expensive is because it has the highest rate of uninsured drivers—nearly one-third of drivers on the road don’t have insurance. Furthermore, New Orleans has the highest rate of litigation in the country among large cities, with nearly four times more lawsuits over accidents compared to cities like Miami. So that’s why you’re paying so much for car insurance.
But this shouldn’t deter you from shopping around. By getting quotes online, you might be able to find
cheap car insurance
compared to what you’re currently paying.”View full answer
- Gregory R.
WHY YOU CAN TRUST JERRY
Jerry partners with more than 50 insurance companies, but our content is independently researched, written, and fact-checked by our team of editors and agents. We aren’t paid for reviews or other content.
Join 4M+ members in lowering their car insurance
You Might Also Be Interested
Read Advice From Car Experts At Jerry
What Others Are Asking
Browse More Content
Insurance for Your Car
Insurance in Your State
Easiest way to compare and buy car insurance
No long forms
No spam or unwanted phone calls
Quotes from top insurance companies
