Louisiana auto insurance averages - $1,749.22 per year in 2023, ranked #3 of 51 states. NAIC Auto Insurance Database (June 2025 release).
Louisiana sits above the 2023 national average expenditure; figures are NAIC Auto Insurance Database averages, not personal quotes.
| Year | Avg Expenditure | Liability Avg |
|---|---|---|
| 2023 Latest | $1,749.22 ▲12.3% | $1,052 |
| 2022 | $1,557.99 ▲3.9% | $991 |
| 2021 | $1,500.10 ▲0.4% | $974 |
| 2020 | $1,494.85 ▼4.2% | $979 |
| 2019 | $1,560.00 | $1,026 |
Evidence lead: 2023 cost position
Louisiana's strongest visible signal here is its gap to the national average expenditure. The cards below separate that level gap from change, annual shape, component mix, and registry coverage - descriptive only, not a quote.
2023 cost position
Louisiana's $1,749.22 average expenditure ranks #3 of 51. This is the dataset's highest-cost tier. The comparison uses average expenditure—the blended amount paid across purchased coverages—not an individual quote or the unweighted sum of the component premiums.
Five-year movement
Louisiana's +12.1% change ranks #45 of 51, placing it in the slowest-moving end of the 2019–2023 distribution. That result is an endpoint comparison, not evidence that every intervening year was flat. Annual direction and the latest one-year move are reported separately.
Coverage-component signature
Louisiana's most distinctive 2023 component is liability: $1,052.00, or 57.9% above the 51-jurisdiction average of $666.04. This compares like-for-like component averages across jurisdictions. It does not treat liability, collision, and comprehensive as additive parts of average expenditure.
Year-by-year shape
Louisiana fell -4.2% into 2020 and has climbed back since, but only part of the way: the 2023 average is above 2019 by a modest margin rather than the double-digit gain most states in this release recorded. The latest step is +12.3%, and the largest absolute move remains +12.3% in 2023.
Substantial registry context
Louisiana's separate complaint layer covers 52 companies with 7,440 recorded complaints. That is #18 for company breadth and #18 for record count across 51 jurisdictions—an upper-middle registry footprint. The totals are coverage denominators, not quality grades, and they are deliberately excluded from the state's expenditure calculation.
Nearest expenditure peers. By average expenditure, Louisiana's closest peers in this dataset are New York ($1,752.55) and District of Columbia ($1,676.99), both within a few dollars of Louisiana's own $1,749.22.
Note on state comparisons: These averages reflect the mix of coverages purchased in Louisiana, not what any individual consumer pays. Your personal premium depends on your driving record, vehicle, coverage limits, deductible, credit score (where permitted), and insurer.
Read our methodology - how this data is sourced, computed, and verified.
