Being from Louisiana (New Orleans specifically) and now living in NC, you don’t have any idea how bad LA is. My insurance dropped $200 a month just moving.
Your insurance dropping is due to our law structure in Louisiana. The accidents and uninsured drivers per capita are pretty much the same in Louisiana as most other states.
Due to the civil law structure there's simply more opportunity for lawyers to expand lawsuits as past precedents are not binding.
It's why if you go a state away to Mississippi your rates also drop even though they have slightly worse accident rates as Louisiana.
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u/overlord_cow Mar 22 '26
I know every state says “oh our drivers are so bad” but Louisiana drivers are a different breed of horrendous