Rates depend on claims, LA may be a high claim state
with high theft and high judgements, so you have to pay the price
of the states legal climate.
One of the reasons TX is lower is it has legal reform on it's side.
Other is look at the coverage you carry, perhaps raise a deductable,
lower limits, if it's not garaged that raises the rates, if it doesn't have an
alarm, rates go up.
"My rule of life prescribed as an absolutely sacred rite smoking cigars and also the drinking of alcohol before, after and if need be during all meals and in the intervals between them." Winston Churchill