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Auto Insurance, Now in 34 states!

Best Affordable Liability: All about Liability Insurance in Florida

Minimum Liability Requirements for Florida $10,000 for Bodily Injury per Individual / $20,000 for Bodily Injury for Multiple Individuals / $10,000 for Property Damage

Auto Insurance, Now in 34 states!

Best Affordable Liability: All about Liability Insurance in Florida

Minimum Liability Requirements for Florida $10,000 for Bodily Injury per Individual / $20,000 for Bodily Injury for Multiple Individuals / $10,000 for Property Damage

By Alexis Karapiperis | 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 auto insurance requirements that need to be met by the State!

Florida Liability Insurance:

Florida Liability Insurance
2024 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 and injuries that occurred to the other party.

Liability Insurance Florida

In Florida, there are many different choices you can make when it comes down to picking an insurance carrier that will be 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. Factors that play a role in your premium cost will include, but are not limited to:

  • Age
  • Gender
  • Location
  • Vehicle Make / Model
  • Driving History

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 whether you want Florida’s minimum requirement for liability or if you would like to increase those liability limits. You may also consider what other coverages that you may want to have 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 own expenses. This explains why it is always highly recommended to add additional coverages to your insurance plan to keep you protected as well.

Cost for Liability only in Florida (by city)

CityPrice
Riverview$105.00
Margate$100.00
Largo$109.00
Spring Hill$109.00
Pensacola$95.00
Apopka$94.00
Coconut Creek$107.00
The Hammocks$100.00
Alafaya$89.00
Davie$105.00
Kendall$97.00
Palm Beach Gardens$87.00
Sanford$99.00
Orlando$110.00
Fort Myers$92.00
Town ‘n’ Country$108.00
Port Orange$97.00
Kissimmee$88.00
Plantation$90.00
Palm Bay$89.00
St. Petersburg$88.00
Deltona$89.00
Miami$90.00
West Palm Beach$106.00
North Port$94.00
Fort Lauderdale$86.00
Brandon$93.00
Miami Gardens$98.00
Boca Raton$102.00
Jupiter$89.00
Pine Hills$89.00
The Villages$87.00
St. Cloud$108.00
Miami Beach$109.00
Weston$105.00
Pembroke Pines$86.00
Boynton Beach$87.00
North Miami$101.00
Palm Harbor$105.00
Tamiami$88.00
Melbourne$108.00
Clearwater$92.00
Port Charlotte$100.00
Ocala$103.00
Lakeland$108.00
Delray Beach$87.00
Bonita Springs$104.00
Hollywood$107.00
Pompano Beach$97.00
Deerfield Beach$89.00
Lauderhill$92.00
Tamarac$101.00
Hialeah$108.00
Poinciana$106.00

Cheapest Broadform / Non-owner Auto Liability Insurance Florida:

CarrierAverage Price
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.
2024 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.

Florida Insurance: Good Credit Premiums

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.

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!

Should I upgrade to full coverage in Florida (by city)

CityPrice
Delray Beach$166
Tamiami$149
Riverview$156
Poinciana$181
Clearwater$179
Kissimmee$164
Sarasota$178
Davie$168
Gainesville$180
Pine Hills$157
The Hammocks$178
St. Petersburg$160
Daytona Beach$174
Doral$150
Bonita Springs$162
Miramar$162
Brandon$161
Palm Coast$170
The Villages$178
Pembroke Pines$155
Miami Beach$158
St. Cloud$146
Boca Raton$148
Ocala$169
Port Orange$182
Kendall$174
Tamarac$176
Apopka$174
Melbourne$149
Plantation$179
North Miami$163
Alafaya$154
Deerfield Beach$159
Bradenton$146
Lakeland$147
Kendale Lakes$157
Largo$173
Boynton Beach$172
West Palm Beach$182
Miami Gardens$177
Lauderhill$154
Coconut Creek$178
Homestead$172
Sunrise$149
Palm Beach Gardens$176
Town ‘n’ Country$147
Jacksonville$182

Florida Insurance: Bad Credit Premiums

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.

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 that 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:

Who has the lowest liability price in Florida (by city)

CityPrice
Pine HillsGeico
West Palm BeachProgressive
SarasotaDairyland*
KissimmeeGeico
HollywoodThe General
DeltonaProgressive
Port OrangeFarmers
The HammocksDairyland*
Palm BayGeico
Palm Beach GardensProgressive
TamiamiGeico
Boynton BeachProgressive
RiverviewBristol West
SanfordThe General
Daytona BeachProgressive
Town ‘n’ CountryProgressive
Port St. LucieProgressive
LargoGeico
JupiterGeico
AlafayaLiberty Mutual
Spring HillGeico
WestonThe General
ClearwaterProgressive
Pinellas ParkGeico
HomesteadProgressive
BradentonNational General
Wesley ChapelLiberty Mutual
MiamiThe General
PoincianaLiberty Mutual
Fort MyersThe General
Kendale LakesThe General
TampaProgressive
ApopkaProgressive
St. PetersburgLiberty Mutual
HialeahGeico
FountainebleauThe General
North MiamiNational General
Cape CoralProgressive
The VillagesLiberty Mutual
Lehigh AcresDairyland*
Palm HarborFarmers
JacksonvilleBristol West
WellingtonLiberty Mutual
Miami BeachFarmers
Pembroke PinesThe General
OrlandoLiberty Mutual
North PortLiberty Mutual
TamaracBristol West
Pompano BeachLiberty Mutual
Bonita SpringsThe General
Deerfield BeachGeico
DavieNational General
MelbourneFarmers
Delray BeachGeico
St. CloudThe General
Port CharlotteDairyland*
OcalaNational General
PensacolaLiberty Mutual
MargateThe General
DoralProgressive
Miami GardensThe General
Palm CoastGeico
MiramarGeico
Fort LauderdaleProgressive
TallahasseeProgressive
Coral SpringsDairyland*
PlantationProgressive
Coconut CreekGeico
LakelandDairyland*
GainesvilleProgressive
LauderhillDairyland*
Boca RatonThe General
SunriseBristol West

What does Florida Liability Insurance cover?

Florida Liability Insurance typically covers bodily injury and property damage that you are legally responsible for resulting from an accident. It may help cover legal fees, medical expenses, and property damage costs for the other party involved.

How much Liability Insurance do I need in Florida?

The required minimum for Liability Insurance in Florida is $10,000 for personal injury protection (PIP) and $10,000 for property damage liability (PDL). However, depending on your circumstances, higher coverage levels may be advisable to protect your assets and future earnings.

Are there additional coverage options that complement Florida Liability Insurance?

Yes, you might consider additional coverage like Uninsured/Underinsured Motorist coverage, Medical Payments coverage, or Personal Injury Protection (PIP) to complement your Florida Liability Insurance, providing further financial protection in various scenarios.

OTHER HELPFUL LINKS About Florida Insurance!

Last Updated on by Alexis Karapiperis

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