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Why Does Louisiana Have the Second-Most Expensive Car Insurance Rates?

According to, Louisiana has some of the highest car insurance rates in the country. As of July 2017, the average annual premium in the state was $1,921, which is just behind Michigan’s average annual premium of $2,394.

Thanks to the prevalence of distracted drivers and uninsured motorists, Louisiana residents must pay 46 percent more than the national average for coverage. The high cost of auto insurance is at least partially responsible for the fact that almost 14 percent of motorists in our state do not have any coverage whatsoever.

Additionally, 40 percent of drivers only have the minimum coverage amounts required by law, which is not always enough to cover the damages incurred in a collision. In order to recover adequate compensation from an uninsured or underinsured motorist, accident victims often have to file a personal injury lawsuit instead of or in addition to an insurance claim.

The prevalence of personal injury claims and the high cost of coverage create an unfortunate cycle. Higher insurance rates mean fewer people can afford coverage so more motorists are underinsured, which leads to more personal injury claims. This leads to higher expenses for insurance providers, who pass on these costs to their policyholders, leading to even higher insurance rates.

If you were injured in a collision with an uninsured or underinsured motorist and you are not sure how to proceed, contact Laborde Earles Law Firm. An accident lawyer on our team will assess your case and help you determine the best way to pursue the compensation you deserve. Call 800-522-6733 to schedule a free case evaluation with an injury attorney in Marksville.

Why Does Louisiana Have the Second-Most Expensive Car Insurance Rates?

In the state of Louisiana, residents must pay high car insurance premiums for a variety of reasons. These include:

  • The state’s high number of uninsured and underinsured motorists;
  • The state’s low fuel costs, which leads to more cars on the roads, increased congestion, and more resulting collisions;
  • The prevalence of distracted driving; and
  • The high number of personal injury claims that insurance providers must settle.

What Are My Options If I Am in a Collision with an Uninsured Motorist?

When it comes to collisions with uninsured motorists, accident victims have several options for pursuing compensation. If your auto coverage includes protection against uninsured motorists, you would simply need to file a claim with your own insurance provider.

If you do not have uninsured motorist coverage, the next best option might be to file a personal injury lawsuit against the liable party. Regardless of the route you choose to take, an injury attorney can help you gather the evidence needed to prove liability and negotiate for a fair settlement on your behalf.

If you were in a collision with an uninsured motorist, you may still be able to recover compensation for the damages you incurred. To discuss your situation with a Marksville accident lawyer and determine the best way to proceed, contact Laborde Earles Law Firm. We have helped clients recover more than $200 million in cash settlements and verdicts. Call 800-522-6733 to schedule a free consultation.