State farms increase is not an industry wide increase. Its just that the dept of insurance changed the rules and told insurers that if you are asking for a rate increase this year you must take it all at once. They are not allowing for them to come back during the year like in the past .
Yes. You are correct. Louisiana annually has some of the highest auto insurance rates in the nation. It is attributed to high loss frequencies from weather events, poor driving, and high litigation costs
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