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& Wilson, LLC Land & Soil Contamination : Vehicle Collisions : Personal Injury

Louisiana has nation's highest car insurance rates

In the past we've covered several issues surrounding auto insurance, including common kinds of accidents that may not be covered by all insurance policies. We've also discussed the importance of working with your insurance agent after a motor vehicle accident and preserving evidence to make sure you get everything you can from your claim.

It turns out that Louisianans should pay extra attention to matters concerning auto insurance in light of a recent study. Apparently Louisiana has the highest average car insurance rates in the United States/ Insure.com compiles an annual list of state insurance rates, comparing them side-by-side.

In Louisiana the average annual insurance premium is $2,699. Only one other state has an average premium exceeding $2,500. In contrast, the state with the cheapest average insurance premium came in just under $1,000. The majority of states came in between $1,000 and $1,500.

There are a few factors that may contribute to our state's high rates. First, Louisiana drivers who are involved in motor vehicle accidents file more bodily injury claims than drivers in other states. Part of this may be linked to the state's climate; in warmer areas drivers and motorcyclists are on the road more during the winter months and more driving means more accidents and injuries.

In addition, Louisiana has a higher number of claims under comprehensive insurance policies, which include natural disasters. This is important in a part of the country that sees frequent storm activity, such as hurricanes.

Even if you pay a hefty insurance premium you may not necessarily be guaranteed coverage for all injuries or property damage incurred in a motor vehicle accident. It is important to understand your policy thoroughly.

Source: eCredit Daily, "Car Insurance Rates by State: Louisiana is Costliest; Maine is Cheapest," March 19, 2013

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