20 Cities with the Most Expensive Car Insurance in the US

3. Braithwaite, Louisiana

Average Annual Full Coverage Premium: $3411

Braithwaite is located on the Mississippi River and Louisiana Highway. The high expenses stem from a prevalent trend of lawsuits, even for minor accidents, in Louisiana. This litigation culture significantly increases insurance companies’ operating expenses, which get passed on to drivers in the form of higher premiums. In Braithwaite, the average premium is $3411 per year for full coverage.