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- Florida Car Insurance
Florida car insurance
Common questions about Florida
auto insurance
Need car insurance in Florida? Whether you live in the Panhandle or the Keys, Liberty Mutual Insurance can help you save on car insurance! From Liability Protection to Comprehensive Coverage, we've got you covered. We'll help you customize your Florida auto insurance, so you only pay for what you need.
What car insurance is required in Florida?
In Florida, it's illegal to drive without insurance. Drivers in Florida are required to have the following car insurance coverage: bodily injury to others, property damage liability, and uninsured motorist coverage.
This chart shows the minimum auto insurance drivers are required to have in Florida for these coverages.2
Coverage | Amount |
|---|---|
| Bodily Injury Coverage | $10,000 per person and $20,000 per accident |
| Property Damage Coverage | $10,000 per accident |
| Uninsured Motorist Coverage | $10,000 per person and $20,000 per accident |
| Personal Injury Protection | $10,000 |
For more information, check out Florida Highway Safety and Motor Vehicles
What's the average cost of car insurance in Florida?
The average cost of car insurance in Florida was $3,6823 in 2024 according to thezebra.com. That's 68% higher than the national average. Of course, your auto insurance cost will depend on many different factors including your age, where you live, and your driving history.
Some people get the minimum coverage, while others prefer more protection. Liberty Mutual can save you money on Florida auto insurance with a customized policy so you only pay for what you need.
What Florida car coverage insurance coverage is right for you?
The chart above shows the minimum Florida auto insurance you need. But depending on your budget and needs, you might want to consider increased coverage for more protection. We'll help you customize your Florida car insurance to get the coverage that fits you. See all of our auto coverage options.
What is the best car insurance in Florida?
Liberty Mutual knows that everyone has different needs for their Florida auto insurance. Some may want the cheapest Florida car insurance, while others want more coverage and an auto insurance company they know they can trust. We can help you customize your Florida car insurance, so you only pay for what you need.
Who has the cheapest car insurance in Florida?
Getting the cheapest car insurance in Florida sounds great but it could cost you when you need it most. Beyond cost, you should also make sure the company you pick is reliable in case you're in an accident.
A Liberty Mutual auto insurance policy can cost less than you think.4
- $817 lower than GEICO
- $731 lower than Progressive
- $839 lower than State Farm
- $758 lower than Allstate
Save money with these auto insurance discounts
Buy your policy online and save. It's that simple.6
Learn more about SavingsConvenience and savings — need we say more? Combine your policies and get a discount.6
Learn about Bundle and Save Discounts and moreGet rewarded for your good driving behavior by saving up to 30% on your policy.7
Save with our safe driver program