Tort reform continues to be an abysmal failure Louisiana drivers are getting the highest auto insurance rate hikes in the country, according to a new S&P Global Market Intelligence analysis of 13 states with publicly available rate change approval data. S&P Global Market Intelligence says State Farm’s 7.2% rate increase in Louisiana was “the most-impactful single rate increase during the month of April” because it applies to 1 million policyholders, who will pay $95.3 million more in premiums.