Private passenger auto insurance premiums in Louisiana dropped by an average of 5.8% in 2025, reversing several years of consecutive rate increases, according to new market impact data from the Louisiana Department of Insurance (LDI).
The decline represents a statewide premium reduction of more than $344 million compared to the prior year. The LDI attributed the shift largely to a reduction in accident frequency. From 2021 through 2024, private passenger auto rates increased each year, including double-digit growth in 2022 and 2023.
“After several challenging years for Louisiana drivers, the 2025 data show meaningful signs of stabilization in the private
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