Best Affordable Liability: All about Liability Insurance in Florida

Minimum Liability Requirements for Florida

Florida Liability Insurance is: 10 / 20 / 10 $10,000 for Bodily Injury per Individual / $20,000 for Bodily Injury for Multiple Individuals / $10,000 for Property Damage

By Alexis Karapiperis | Licensed Agent/CSR at Learnandserve.org | Powered by A Plus Insurance

Whether it is your first time getting a car and needing insurance or just not being aware of what Florida liability insurance is or the requirements, we are here to help you become more knowledgeable about Florida and the minimum requirements that need to be met by the State!

Florida Liability Insurance:

Florida liability insurance
2022 florida liability insurance best

Liability car insurance in Florida is a requirement to have in the State. Florida Liability Insurance will protect other individuals if you are involved in an accident you had been responsible for causing. This insurance includes Bodily Injury Liability, along with, Property Damage Liability. Both of these liability car insurance in Florida will pay for the costs of damages that occurred.

Cheapest Liability Insurance Florida:

In Florida there are many different choices you can make when it comes down to picking an insurance carrier, best fit for you.

Of course these rates may not be the exact price depending on everything you have to factor in when deciding on the carrier.

However, the table below should help to have a better understanding of what to expect per carrier liability car insurance in Florida.

CarriersLowest cost
National General$80
Dairyland$110
The General$110
Progressive$110
Bristol West$100
Mendota Ins. Company$110
GAINSCO$110
Assurance America$90
Geico$110
21st Century$110
Farmers$110
Nationwide$80
USAA$65
Acceptance RTR$110
State Farm$80
Safeco$95
Liberty Mutual$110
Allstate$110
State Auto$105
American Family$85

Where to start for Liability Car Insurance in Florida:

You will first need to get in contact with a trustworthy agent who has your best interest at heart.

You will then discuss with the agent what other factors that will need to be added into the insurance.

Regardless of whether you choose to add other coverages to help along with the costs of other risk factors, you must have the minimum liability insurance that Florida requires.

Once again, Liability car insurance in Florida protects other individual’s costs in an accident you had been found guilty in causing, it will not cover your expenses. This explains why it is always highly recommended to add additional coverages to your insurance plan to keep you safe as well.

Cheapest Broadform / Non-owner Auto Liability Insurance Florida:

CarrierPrice
Progressive Insurance$98
The General$118
Dairyland$119
Bristol West$133
Mendota Ins. Company$157
Geico$174
Allstate$204
Acceptance RTR$207
State Farm$225
Here is a simple chart including Insurance carriers and the average cost to get a Broadform/ Non-owners auto liability insurance in Florida.

Important Driving Facts You Need to Know in Florida!

Facts about drivers liability car insurance in Florida.
2022 florida liability insurance best
  • Did you know, on average, there is a total of 500 accidents caused in Florida each day? Within a year that is about 200,000 people who will have been in an accident.
  • In fact, 27 out of a thousand drivers in accidents are caused from individuals Driving Under the Influence (DUI). With that being said 5,420 of the 200,000 individuals per year in accidents were under the influence to some degree.
  • Approximately 26.7% of Floridians are underinsured or have no insurance at all when driving. This means about 5,665,740 Florida residents carry no proof of Florida liability insurance.

New to the Roads

In the blink of an eye, many people’s babies are turning 16 and have free reign of Florida’s roadways.

It can always be a constant worry to parents about their child’s safety when operating a vehicle alone. Many things can change within a matter of seconds.

Though, people under the age of 21 experience a higher insurance rate, it’s safe to say that no matter the price, your child’s life is more important. In the chart below, there will be a list of insurance carriers and their average cost for young drivers.

CarriersPrice
National General$128
Dairyland$135
Progressive Insurance$151
The General$151
AssuranceAmerica$155
21st Century$158
American Family$163
Bristol West$164
GAINSCO$165
Acceptance RTR$167
Allstate$168
Farmers$168
Mendota Ins. Company$169
Geico$171
State Auto$178

Least Expensive Auto Insurance With Good Credit in Florida:

Having a good standing credit score comes with many benefits! One huge benefit including liability car insurance in Florida. Many carriers are extremely likely to decrease your rates since you have proven to be a reliable individual with paying everything off on time and/or in full.

CarrierPrice
Geico$130
21st Century$131
Dairyland$131
GAINSCO$133
Progressive Insurance$141
Bristol West$142
Acceptance RTR$145
Nationwide$147
National General$151
Mendota Ins. Company$158
Allstate$159
AssuranceAmerica$159
The General$161
Liberty Mutual$173
Safeco$175

Credit score ranges that may fall into the category of a lower rate will be listed below:

  • Excellent: 800 – 850
  • Very Good: 740 -799
  • Good: 670 – 739

If you are curious about what category you fall into you can always check with your bank or get a free score report.

Always remember that checking your credit score can affect it! It is best to use your bank or a trustworthy site that will not negatively reflect on your score!

Cheapest Insurance With Bad Credit/Poor Credit in Florida:

It is understandable that many things occur in our day to day lives. It is not unusual to forget about certain things as well. However, your insurance rate will reflect based on your credit report. Credit users who fall below the “Good” category are more likely to see an increased rate in their liability insurance in Florida. The reasoning behind this is that insurance carriers will view you more as a “risk” when it comes to filing claims.

CarrierPrice
Dairyland$154
Progressive Insurance$159
National General$161
Mendota Ins. Company$162
The General$164
21st Century$169
AssuranceAmerica$169
Bristol West$174
GAINSCO$174
Nationwide$177
Geico$182
Acceptance RTR$183
Safeco$196
Liberty Mutual$216
Allstate$225

The Credit scores that may fall into the category on increased insurance rates will be listed below:

  • Fair: 580 – 669
  • Poor: 300 – 579
  • Anything below: 299

If you are unsure about your credit score or if it falls under one of these categories it is highly recommended to go to your bank first to check, if that is not an option then check out a free credit report.

Do understand checking your credit score may affect it, so it is recommended to use your bank first or to use a site that will not impact it in a negative manner!

Liability Insurance in Florida Calculator:

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OTHER HELPFUL LINKS About Florida Insurance!

Last Updated on by Veronica Moss