Florida car insurance

The Florida keys with a sunset in the background

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.

See how much you could save on car insurance.

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