- Car Insurance
- Auto Insurance by State
- Florida Car Insurance
Get a Florida car insurance quote
You could save over $700 on auto insurance when you switch to Liberty Mutual1
Buying auto 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 auto insurance discounts
Buy your policy online and save. It's that simple.2
Learn more about SavingsConvenience and savings — need we say more? Combine your policies and get a discount.2
Learn about Bundle and Save Discounts and moreGet rewarded for your good driving behavior by saving up to 30% on your policy.3
Save with our safe driver programFlorida 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 type | State requirements |
|---|---|
| Property Damage Liability Coverage | $10,000 per accident |
| Personal Injury Protection (PIP) | $10,000 |
Bodily Injury Liability and Uninsured Motorist coverage aren't required for most Florida drivers, but they're commonly added for additional protection.
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.
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
- $1,121 lower than GEICO
- $997 lower than Progressive
- $1,161 lower than State Farm
- $1,158 lower than Allstate
Is Florida a no-fault car insurance state?
Yes. Florida is one of the few states that uses a no-fault car insurance system. After an accident, a driver's Personal Injury Protection (PIP) coverage can help pay for a portion of medical expenses and lost wages, regardless of fault, provided the driver carries the required state minimum PIP coverage of $10,000. Additional claims against at-fault drivers may be allowed if the injured party's injuries meet certain thresholds defined by state law.
Insurance for special vehicle types in Florida
Floridians often purchase special vehicles to explore the beaches and backroads that attract tourists from around the world. Each of these requires specific insurance coverage.
- Scooters, mopeds, and motorcycles: A motorcycle insurance policy, or similar, may be needed to protect two-wheeled rides on Florida roads.
- Golf carts and ATVs: Off-road vehicles and golf carts can be covered with ATV insurance.
- Boats: With Florida's miles of coastline, boat insurance helps protect your watercraft against damage, theft, and liability on the water.
- Classic and antique cars: Vintage car owners can protect their investment with classic car insurance designed for collector vehicles.
- RVs and motorhomes: Whether it's a travel trailer or a Class A motorhome, RV insurance helps cover you on the road and at the campsite.
Florida car insurance FAQs
- At this time, penalties for failing to maintain Florida's minimum car insurance requirements can include suspension of your drivers license, vehicle registration, and license plates for up to three years, along with reinstatement fees of up to $500. Penalties may increase for repeat offenses.
Drivers who do not carry insurance may also face significant out-of-pocket expenses and personal liability for damages or injuries they cause in an accident. Florida law requires continuous coverage throughout the registration period, even if the vehicle is not being driven or is temporarily inoperable.
- Florida has a minimum insurance requirement that includes Personal Injury Protection (PIP) and Property Damage Liability (PDL). Additional coverages include Bodily Injury Liability, which helps pay for injuries you cause to others; Collision coverage, which helps pay for damage to your vehicle after an accident; and Comprehensive coverage, which helps protect against non-collision events like theft, vandalism, hail, or hitting an animal.
Uninsured/Underinsured Motorist coverage is also worth considering, given Florida's high rate of uninsured drivers.
- Personal Injury Protection (PIP) coverage, which is required in Florida's no-fault system, pays up to 80% of medical expenses and a portion of lost wages after an accident, regardless of which driver is at fault.
The limit on these expenses is $10,000, but injured drivers must seek medical attention within fourteen days of the accident. Injured parties can also file an independent claim against an at-fault driver if their injuries meet Florida's “serious injury” guidelines and expenses exceed the policy's limit.
Getting car insurance in Florida is quick and easy with Liberty Mutual. You'll need your driver's license, vehicle identification number (VIN), current odometer reading, and details about other drivers in your household.
We offer free online quotes and can customize coverage based on your insurance needs and budget. We'll also provide proof of insurance to keep in your vehicle.