From The Advocate:

And then around Christmas, a free market think tank, the R Street Institute, based in Washington, D.C., gave Louisiana’s insurance situation the nation’s only F grade for the second year in a row. Litigation was not mentioned.

Instead, the R Street report found fault with Louisiana having an elected insurance commissioner who can decide if insurance companies can raise rates. “Louisiana employs a stringent system of rate regulation, which no doubt contributes to the lack of competition in its auto insurance market,” the report said.