Get a Florida car insurance quote

You could save over $700 on auto insurance when you switch to Liberty Mutual¹

The Florida keys with a sunset in the background

Buying auto insurance in Florida

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.

Florida drivers could save money with these auto insurance discounts

Switch to Liberty Mutual for car insurance and you could save over $700¹

Online Purchase Discount

Buy your policy online and save. It's that simple.²

Learn more about Savings

Bundle and Save

Convenience and savings — need we say more? Combine your policies and get a discount.²

Learn about Bundle and Save Discounts and more

RightTrack^®

Get rewarded for your good driving behavior by saving up to 30% on your policy.³

Save with our safe driver program

Those are just a few of the ways we can help lower your car insurance costs.

View all car insurance discounts

Florida minimum car insurance requirements (0/0/10)

It's illegal to drive without car insurance in Florida. To drive legally, you need to have at least the following coverage amounts and minimums in Florida.⁴

Coverage	Amount
Property Damage Liability Coverage	$10,000 per accident
Personal Injury Protection (PIP)	$10,000

Learn more about the state insurance requirements at the Florida Office of Insurance Regulation.

Average car insurance cost in Florida, 2026

According to 2026 data, the average cost of “full” coverage car insurance in Florida is about $2,448 per year.

Florida drivers often pay more, or less, depending on their coverages, car, age, driving record, and where they live.

Get a quote

Who offers cheap insurance in Florida?

Finding the cheapest car insurance in Florida may sound great, but a low-cost policy may not pay out when you need it.

You want car insurance that's affordable, and dependable if you have an accident. Trusted for over 100 years, we have the experience and stability to back you up.

A Liberty Mutual auto insurance policy can cost less than you think.⁵