Where you live can have an impact on what you pay for car insurance coverage. The following figures reveal some risks faced by the average Louisiana driver.
As of the 2010 census, Louisiana had nearly 107 people per square mile. The national average was about 89.5.
On one hand, you can pat yourself on the back for being part of such a happening state (we'll wait). On the other hand, because more drivers on the road can mean more accidents, Louisiana car insurance rates can go up in areas where population density spikes.
Don't worry too much — your driving record and plenty of other factors can help bring your premium down.
Claim type and frequency
Louisiana has a high number of bodily injury claims. And since bodily injury claims tend to cost more, on average, than property damage claims alone, this could affect your Louisiana car insurance rates.
According to a 2011 study from the Insurance Research Council, 13 percent of drivers in Louisiana were uninsured in 2009. That's about the same as the national average of 13.8 percent.
Hurricanes and tropical storms
Between 2000 and 2010 alone, Louisiana faced 12 tropical cyclones (the most in Louisiana in any decade over the last 150 years). And according to NASA, Louisiana (along with Florida and Texas) sees not only the highest number of hurricanes in the U.S. but also the most intense.
And of course, intense storms can damage cars rather easily. Hurricane Katrina left roughly 22 million tons of debris, including more than 350,000 flooded, abandoned cars.