Florida vs Louisiana Car Insurance

Side-by-side car insurance rate comparison based on data from NAIC & State DOI.

Quick Verdict

More Affordable

Florida is $100/yr cheaper on average.

Fewer Uninsured

Louisiana has a lower uninsured rate (11.7% vs 20.4%).

Rate & Coverage Comparison

Attribute	Florida	Louisiana
Avg Annual Premium	$2,500	$2,600
Min Liability	$820	$850
Full Coverage	$2,500	$2,600
Fault System	No-Fault	At-Fault (Tort)
Uninsured Rate	20.4%	11.7%
Registered Vehicles	17,661,160	3,818,740
Accidents/Year	264,917	57,281
Population	21,538,000	4,657,000

Minimum Coverage Requirements

Florida

10/20 / 10 liability

Louisiana

15/30 / 25 liability

Premium Comparison

Florida$820 – $2,500

Liability: $820Avg: $2,500Full: $2,500

Louisiana$850 – $2,600

Liability: $850Avg: $2,600Full: $2,600

FloridaFull rates, age breakdown, requirements →LouisianaFull rates, age breakdown, requirements →

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CarInsurancePeek Editorial TeamInsurance Data Specialists

The CarInsurancePeek editorial team aggregates and verifies car insurance rate data from NAIC & State DOI. Every statistic is cross-referenced against official state DOI filings before publication, with quarterly re-verification cycles.

Sourced from NAIC & State DOIQuarterly reviewNo paid placements

Read our full methodology or contact us with corrections.

Frequently Asked Questions

Which state has cheaper car insurance, Florida or Louisiana?

Florida has cheaper car insurance, with an average annual premium of $2,500 compared to $2,600 in Louisiana - a difference of $100 per year.

How do Florida and Louisiana compare on fault systems?

Florida uses a no-fault system while Louisiana uses a at-fault (tort) system. This difference in fault systems directly affects how claims are processed and can influence premium costs.

What are the minimum insurance requirements in Florida vs Louisiana?

Florida requires 10/20 / 10 liability. Louisiana requires 15/30 / 25 liability. Minimum liability costs $820/yr in Florida and $850/yr in Louisiana.

Which state has more uninsured drivers, Florida or Louisiana?

Florida has a higher uninsured driver rate at 20.4%, compared to 11.7% in Louisiana. Higher uninsured rates typically mean higher uninsured motorist coverage costs.

Where does the Florida vs Louisiana insurance data come from?

All insurance rate data comes from NAIC & State DOI (2025). Premiums represent state-wide averages and individual rates vary based on driving history, age, vehicle, and coverage levels. Visit our methodology page for details.

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Attribute

Florida

Louisiana

Avg Annual Premium

$2,500

$2,600

Min Liability

$820

$850

Full Coverage

$2,500

$2,600

Fault System

No-Fault

At-Fault (Tort)

Uninsured Rate

20.4%

11.7%

Registered Vehicles

17,661,160

3,818,740

Accidents/Year

264,917

57,281

Population

21,538,000

4,657,000