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Typical insurance rates for new drivers ******* The typical Louisiana driver overpays for car insurance by $1,159 a year, report says Traffic backs up near North Causeway Boulevard Service Road and White Street, Friday, Sept. 8, 2017. (Photo by Michael DeMocker, NOLA.com | The Times-Picayune) Drivers in Louisiana already pay some of the highest rates for car insurance in the country. A new report suggests local drivers also lead the country in the amount they overpay for coverage. Drivers with car insurance policies in Louisiana paid $3,111 a year on average for 12-month coverage in 2018, the highest rate in the nation, according to data analyzed by Gabi, an insurance comparison website and app. Gabi’s analysis looked at premiums paid by more than 130,000 users nationwide, comparing them to average rates in each region for multiple major insurance companies. To develop the analysis, drivers shared information with Gabi about how much they pay for insurance and basic policy d...