State Farm

Rule Changes

Largest auto insurer in Louisiana, filed for rate decreases

Louisiana drivers pay $3,481 annually for auto insurance—the highest in America. On January 1, 2026, the state flipped car-crash lawsuit rules: plaintiffs 51% or more at fault get nothing, and medical bills can only be recovered at amounts actually paid, not inflated hospital prices. It's the biggest tort reform package in state history, and insurers began responding by mid-January 2026: over 20 carriers filed rate decreases, with Progressive alone cutting rates for nearly 500,000 drivers.

Updated May 19