Best Liability Insurance in Florida
Discover top liability insurance options in Florida with A Plus Insurance to protect you on the road.
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Overview of Liability Insurance in Florida
Florida Liability Requirements
Florida requires 10/20/10 liability coverage: $10,000 bodily injury per person, $20,000 per accident, and $10,000 property damage.
Why Liability Matters
Liability insurance covers damages you cause to others in an accident, protecting your finances from lawsuits and repair costs.
Finding the Best Coverage
Compare providers for affordable rates and reliable coverage tailored to Florida’s unique driving conditions. Get started today.
What is liability insurance in Florida?
Liability insurance covers damages you cause to others in an accident, meeting Florida’s 10/20/10 minimum requirements. Learn more at Florida liability insurance best.
Is liability insurance mandatory in Florida?
Yes, Florida requires 10/20/10 liability coverage for all drivers. Explore details at insurance Florida.
What does liability insurance cover?
It covers bodily injury and property damage you cause in an accident, not your own vehicle or injuries. See liability car insurance.
How much liability coverage do I need in Florida?
At minimum, 10/20/10, but higher limits like 50/100/50 offer better protection. Compare at auto insurance comparison.
Can I get liability-only insurance in Florida?
Yes, liability-only policies meet state requirements and are often the cheapest option. Check cheap full coverage car insurance in Florida.
Does liability insurance cover my car?
No, it only covers damages to others. For your vehicle, consider collision or comprehensive coverage. Learn more at difference between comprehensive and collision.
What happens if I don’t have liability insurance?
You face fines, license suspension, and financial responsibility for damages. Get details at insurance lapse.
Does liability insurance cover medical bills?
It covers medical bills for others injured in an accident you cause, not your own. See how does car insurance work.
Can liability insurance cover rental cars?
Yes, liability coverage typically extends to rental cars in Florida. Confirm at does my auto insurance cover rental cars.
Is liability insurance enough in Florida?
It meets legal requirements, but additional coverage like PIP or collision may be wise. Explore at insurance quotes in Florida.
Does liability insurance cover hit-and-run accidents?
No, it doesn’t cover your damages in a hit-and-run. Uninsured motorist coverage may help.
How much does liability insurance cost in Florida?
Costs vary by driver, location, and provider, averaging $50-$100 monthly. Compare at get car insurance quote now.
Can I get liability insurance with a bad driving record?
Yes, but rates may be higher. SR-22 policies are available for high-risk drivers. See SR-22 insurance Florida.
Does liability insurance cover passengers?
It covers injuries to passengers in other vehicles, not yours. PIP covers your passengers in Florida.
Can I add liability coverage to an existing policy?
Yes, you can adjust your policy to increase liability limits. Contact your insurer at company contact.
Does liability insurance cover legal fees?
It may cover legal defense costs if you’re sued for an accident you caused. Learn more at car insurance explained.
Is liability insurance different from full coverage?
Yes, liability only covers others’ damages; full coverage includes your vehicle. See what is full coverage car insurance.
Does Florida require PIP with liability insurance?
Yes, Florida mandates $10,000 in PIP coverage alongside liability for medical expenses.
Can I get liability insurance for a motorcycle in Florida?
Yes, liability coverage is available for motorcycles. Check options at motorcycle insurance in Florida 2025.
Does liability insurance cover rental car accidents in Florida?
Yes, it typically covers accidents in rental cars, matching your policy’s limits.
Are there penalties for driving without liability insurance?
Fines, license suspension, and vehicle impoundment are possible. See penalties at insurance requirement by state.
Does liability insurance cover flood damage in Florida?
No, flood damage requires comprehensive coverage, not liability.
Can non-residents get liability insurance in Florida?
Yes, non-residents can purchase liability insurance for vehicles registered in Florida.
Does liability insurance cover accidents in other states?
Yes, your Florida liability coverage applies nationwide, but verify limits.
Can I get liability insurance for a commercial vehicle?
Commercial liability insurance is available for business vehicles. Explore at business insurance.
Does liability insurance cover theft?
No, liability doesn’t cover theft; comprehensive coverage is needed for theft claims.
Can I get liability insurance online in Florida?
Yes, many providers offer online quotes and policies. Start at instant car insurance quotes.
Does liability insurance cover weather-related damage?
No, weather damage requires comprehensive coverage, not liability.
Can I get liability insurance for a leased car?
Yes, liability coverage is required for leased vehicles, often with higher limits.
Does liability insurance cover uninsured drivers?
No, you need uninsured motorist coverage for accidents with uninsured drivers.
How do I find the best liability insurance in Florida?
Compare quotes from multiple providers to find affordable, reliable coverage. Start at insurance providers.
Florida Liability Insurance Comparison
Compare liability insurance options from top providers in Florida for cost and coverage.
| Provider | Monthly Cost (Est.) | Liability Limits | Additional Benefits |
|---|---|---|---|
| Progressive | $60-$100 | 10/20/10 to 100/300/100 | Roadside assistance option |
| GEICO | $50-$90 | 10/20/10 to 100/300/100 | Online quote discounts |
| State Farm | $70-$110 | 10/20/10 to 250/500/100 | Accident forgiveness |
Best Liability Insurance in Florida Guide
Florida’s minimum liability insurance requirement is 10/20/10: $10,000 bodily injury per person, $20,000 per accident, and $10,000 property damage. This covers damages you cause to others in an accident, protecting you from lawsuits and repair costs. However, higher limits like 50/100/50 are recommended for better protection, especially in high-traffic areas like Miami or Orlando. Compare providers at insurance quotes in Florida to find affordable rates tailored to your needs.
Florida’s no-fault law also requires $10,000 in Personal Injury Protection (PIP) to cover your medical expenses, regardless of fault. Liability-only policies are cost-effective, averaging $50-$100 monthly, but won’t cover your vehicle’s damage. For high-risk drivers, SR-22 policies meet state requirements but may cost more. A Plus Insurance helps you navigate options, ensuring compliance and savings. Check SR-22 details at SR-22 insurance Florida.
Factors like driving record, location, and vehicle type affect rates. Urban areas like Tampa or Jacksonville often see higher premiums due to traffic and accident risks. Shop around for discounts, such as safe driver or multi-policy bundles, to lower costs. A Plus Insurance connects you with top providers like Progressive and GEICO for reliable coverage across Florida’s cities and ZIP codes.
Last Updated on by Shawn Christie