Louisiana Car Insurance Rates and How They Are Set

Louisiana car insurance rates are set by each insurance company and filed with the Louisiana Department of Insurance (LDI). Under the state's ratemaking statute, an insurer files its rates and supporting information with the Insurance Commissioner, and the rates are deemed approved unless the Commissioner notifies the insurer otherwise within thirty days of the filing ¹. LDI describes the same system on its rate filing search page: companies can begin using newly proposed rates when they submit a filing, and the Commissioner has thirty days to review it ².

After several years of increases, LDI reported that Louisiana private passenger auto premiums declined by an average of -5.8% in 2025 ³. That is a statewide average across policyholders. It does not say what any one driver's renewal will be, and our guide to why car insurance goes up covers the personal reasons a bill can rise while the state average falls.

Louisiana Revised Statutes section 22:1451 governs ratemaking for property and casualty insurance, which includes personal auto. Every authorized insurer must file its rates, supplementary rate information and supporting information with the Commissioner ¹. The statute lets the Commissioner approve a filing before the thirty-day period runs out, allows market conduct exams to check that rates being charged are not inadequate, excessive or unfairly discriminatory, and says the Commissioner may not disapprove a compliant filing only because of the time since the insurer's last filing ¹.

LDI's Office of Property and Casualty reviews filings and issues final dispositions on requests for rate changes. LDI says its staff review filings to make sure proposed rates are not excessive, inadequate or unfairly discriminatory ².

LDI runs a public Property and Casualty Consumer Rate Filing Search covering homeowners, private passenger auto, commercial multiple peril and commercial auto. Users can search by company name, line of business and effective, finalized or received dates. LDI notes that the rate changes shown are statewide averages and may differ significantly from the change any individual policyholder sees ². Our explainer on what a rate filing is covers what the documents in a filing usually show.

In a February 23, 2026 release, LDI said private passenger auto rates rose every year from 2021 through 2024, including double-digit growth in 2022 and 2023. In 2025, private passenger auto premiums declined by an average of -5.8%, a statewide premium reduction of more than $340 million compared with the prior year, which LDI attributed largely to a reduction in accident frequency ³. LDI's April 30, 2026 update said private passenger auto insurers took 36 rate decreases in 2025 ⁴.

Several large filings sit behind those figures:

• State Farm. LDI said the Commissioner approved State Farm's request for a 5.9% average decrease on over 1,066,000 personal auto policyholders, effective January 1, 2026. LDI's release names the company as State Farm and does not name the legal entity that filed ⁶.
• Progressive. The Commissioner approved Progressive Security Insurance Company's request for a 6.6% average decrease on over 270,000 private passenger auto policyholders, and Progressive Paloverde Insurance Company's request for a 4% average decrease on nearly 200,000 policyholders. The changes took effect January 16, 2026 for new business and February 13, 2026 for renewals ⁵.
• Southern Farm Bureau Casualty Insurance Company. LDI's April 2026 update said the company finalized a 10.6% decrease affecting 39,332 policyholders in its Private Passenger Automobile Legacy Program ⁴.

LDI's April update also listed finalized increases, including +5% for American National P&C Co and +7.9% for GEICO Marine/Advantage Ins Co (company names as LDI lists them), so not every filing has moved down ⁴. Every percentage here is an average across that company's existing Louisiana policyholders; LDI says each policyholder's change will vary based on individual risk ⁴. We are not affiliated with the insurers named.

LDI has pointed to injury claims as a main cost driver. In a May 15, 2025 release citing National Association of Insurance Commissioners (NAIC) data, LDI said Louisiana has 1.4% of the U.S. population but accounts for 3.65% of the nation's bodily injury claims, and that over a 10-year period the state accrued $10.26 billion in bodily injury losses on 645,770 claims ⁷. In the same release, Commissioner Tim Temple said that without legal reform, the state would continue to pay the highest auto insurance rates in the nation ⁷. That is the Commissioner's own characterization.

The Legislature passed a package of auto-related changes in 2025, and several are now in the statutes:

• Comparative fault. Under Civil Code article 2323 as amended by Act 15 of 2025, effective January 1, 2026, a person whose own negligence is 51% or more of the cause of an injury is not entitled to recover damages; below that, recoverable damages are reduced in proportion to the person's share of fault ¹⁰.
• Uninsured owners and drivers. La. R.S. 32:866 now says there is no recovery for the first $100,000 of bodily injury and the first $100,000 of property damage for an owner or operator who fails to maintain compulsory liability security, with listed exceptions ⁹. The Governor's office summarizes the change as raising those thresholds from $15,000 and $25,000 ¹¹.
• Other auto changes. The Governor's office lists bills that changed collateral source rules, barred rate increases or surcharges for a driver's first coverage lapse, barred auto premium increases based solely on reaching age 65, and expanded the Commissioner's authority over excessive rate increases ¹¹.

The effect of these reforms on rates will show up in future filings, and LDI's own releases attribute the 2025 auto decreases largely to fewer accidents ³.

La. R.S. 32:900 sets the minimum limits for a motor vehicle liability policy at $15,000 for bodily injury to one person, $30,000 for bodily injury to two or more people in one accident and $25,000 for damage to the property of others in one accident ⁸. Those minimums can be well below what a serious accident costs. Our guides to the price gap between minimum and full coverage and to uninsured motorist coverage explain the tradeoffs.

Louisiana law provides a 25% discount on the liability portion of the auto premium for active-duty military personnel and reservists based in Louisiana and members of the Louisiana Army or Air National Guard. LDI said in August 2026 that, under Bulletin 2026-11, eligible members need to submit the application form only once instead of every year ¹².

LDI's Consumer Hotline is 1-800-259-5300 ¹³. For questions about the military discount or an auto premium, LDI's August 2026 release lists its Office of Consumer Advocacy at 225-219-4775 ¹². LDI's online complaint form says the department can investigate complaints against companies, agents or adjusters, but cannot give legal advice, decide who was at fault or recommend one company over another ¹³.

For a question about a specific claim, start with your insurer and then LDI; we do not give claims advice. If you want to see how other insurers would price the same driver and car, you can compare quotes. QuotePitStop is a lead-generation service, not an insurance company, agent or broker.

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• ¹ Official record: La. R.S. 22:1451, filing requirements, the thirty-day deemed approval and the Commissioner's review powers, checked October 13, 2026.
• ² Official record: LDI's rate filing search page, its description of thirty-day review and use upon filing, and the note that changes are statewide averages, checked October 13, 2026.
• ³ Official record: LDI's February 23, 2026 release, the -5.8% average 2025 auto premium change and the more than $340 million reduction, checked October 13, 2026.
• ⁴ Official record: LDI's April 30, 2026 update, the 36 auto rate decreases in 2025 and the finalized 2026 filings including the 10.6%, +5% and +7.9% changes, checked October 13, 2026.
• ⁵ Official record: LDI's January 7, 2026 release on the Progressive Security 6.6% and Progressive Paloverde 4% approvals, checked October 13, 2026.
• ⁶ Official record: LDI's December 11, 2025 release on the approved 5.9% State Farm auto decrease, checked October 13, 2026.
• ⁷ Official record: LDI's May 15, 2025 release on NAIC bodily injury data, the 1.4% and 3.65% shares and the $10.26 billion in losses, checked October 13, 2026.
• ⁸ Official record: La. R.S. 32:900, the $15,000, $30,000 and $25,000 minimum limits, checked October 13, 2026.
• ⁹ Official record: La. R.S. 32:866, the $100,000 no-recovery thresholds for uninsured owners and operators, checked October 13, 2026.
• ¹⁰ Official record: Louisiana Civil Code article 2323 as amended by Act 15 of 2025, the 51% bar, checked October 13, 2026.
• ¹¹ Official record: the Governor's office summary of 2025 insurance reforms, including the earlier $15,000 and $25,000 thresholds, checked October 13, 2026.
• ¹² Official record: LDI's August 4, 2026 release on the 25% military discount and the Office of Consumer Advocacy line, checked October 13, 2026.
• ¹³ Official record: LDI's online complaint form, the Consumer Hotline and what the department can and cannot do, checked October 13, 2026.