KEY TAKEAWAYS: State Farm will return $136 million to eligible Louisiana auto insurance customers. The average dividend payment is $138 per insured vehicle for qualifying policies. Payments begin in August and will continue through the end of the year. Insurance Commissioner Tim Temple said re cent reforms have contributed to more than 45 auto insurance rate decreases since 2025.   Louisiana’s State Farm auto insurance customers can expect a “dividend” payment in the coming weeks from the company after it recorded strong profits nationwide. State Farm, the largest auto insurance provider in Louisiana with 30% of the market, will return a combined $136 million to its customers statewide beginning in August. The average payment will be $138 per vehicle for policies in effect as of Dec. 31, 2025, Louisiana Insurance Commissioner Tim Temple said. “Insurance companies base their rates on projections of how much they will collect in premiums and how much they will pay out in claims,” Temple said. “When an insurance company takes in more money than anticipated and pays out less in claims, whether due to national trends, state-level reforms, or both, policyholders should benefit directly through lower premiums.” Temple said private auto insurance companies have filed more than 45 rate decreases in Louisiana in 2025 and 2026 combined that he said are tied to a host of new laws supported by Temple and passed by the Legislature and Gov. Jeff Landry. Landry has said the new insurance laws created a “balanced approach” that will curb both insurance companies’ profits and personal injury lawsuit awards and “hold both sides accountable.” “Those reforms include modifying our state’s comparative fault system, repealing the direct action statute, limiting third-party litigation financers’ influence in lawsuits, reversing the Housley presumption, increasing medical billing transparency in litigation, strengthening distracted driving laws and more,” Temple said in a statement. Still, Louisiana is listed as the No. 1 or No. 2 most expensive states for auto insurance by outlets like Forbes, MarketWatch and Insure.com in 2026 rankings. “We’re made substantial progress, but there’s so much more to do,” Temple said in an interview with USA Today Network. Temple, a Republican, is running for reelection in 2027. The commissioner said eligible State Farm customers with an email address on file will receive an email between early August and early September asking them to select a payment method. Customers who don’t have an email address on file will receive a check in the mail. Customers with multiple eligible vehicles may receive more than one rebate payment. State Farm customers who have questions about the payments should call 1-888-808-9532 or visit sfdividend.com. The company anticipates that payments will be issued in phases through the end of this year. Greg Hilburn covers state politics for the USA TODAY Network of Louisiana. Follow him on Twitter @GregHilburn1. This article originally appeared on Shreveport Times: Louisiana’s largest auto insurer sending dividend checks to customers Reporting by Greg Hilburn, Shreveport Times / Shreveport Times USA TODAY Network via Reuters Connect ...read more read less