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Louisiana Lands In The Top 3 Of ‘Most Expensive States For Car Insurance’

Cars Crawl Along In A Traffic Jam
Ralph Orlowski, Getty Images

When my son started driving, I almost had a heart attack when I saw what it was going to cost to add him to our insurance. If you have or have had kids who drive you know what I’m talking about. Well, it seems the cost of auto insurance could actually be worse for us because Louisiana isn’t even the most expensive state…but we’re pretty darn close.

According to the latest ranking from, Louisiana is the second most expensive state for auto insurance. The average cost for car insurance in Louisiana annually is $1,921.

What makes car insurance so expensive in Louisiana? According, we have a higher than average number of uninsured drivers, and a pretty high rate of auto accidents that end up in court. That leads to big payouts by insurance companies, and that makes for higher than average insurance premiums for us.

Michigan takes the number one spot with considerably higher car insurance rates.

Below are the top 5 most expensive states for car insurance. To see the entire top 15, head over to

5) Florida – Average annual premium: $1,840
4) Rhode Island – Average annual premium: $1,848
3) Connecticut – Average annual premium: $1,897
2) Louisiana – Average annual premium: $1,921
1) Michigan – Average annual premium: $2,394

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