Cheapest Liability Car Insurance in Florida (2025)
Florida drivers can find the cheapest liability-only car insurance from Hugo, with rates starting at $91 per month.
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Liability coverage is a necessary part of owning and operating a vehicle in Florida. It protects you financially if you cause an accident that injures another person or damages their property. Florida state law requires drivers to have personal injury protection and property damage liability.1
Here’s what you need to know about finding cheap liability car insurance in Florida, including how to compare quotes and coverage options.
Cheapest liability car insurance in Florida
The average cost of car insurance coverage in Florida is $155 per month for liability-only coverage and $209 for full-coverage insurance. Keep in mind that factors like your driving history, age, credit history, and ZIP code can affect your rate, so it’s important to shop around and compare your options.
The table below shows the cheapest average liability quotes available in the Sunshine State, according to Insurify data.
What does liability car insurance cover in Florida?
Liability car insurance covers two main types of claims: bodily injury and property damage. Florida is a no-fault car insurance state, so drivers must have personal injury protection (PIP) insurance instead of standard bodily injury liability coverage. PIP covers medical expenses for you (as the driver) and your passengers, up to the policy limits, regardless of who was at fault for the accident.
Property damage liability (PDL) pays for damage you, or someone else driving your vehicle, cause to another person’s property.
Liability insurance doesn’t include comprehensive and collision coverage, which extends protection to your vehicle. For that, you need to buy full-coverage car insurance.
Pros and cons of having liability-only car insurance
How much liability coverage does Florida require?
Florida law mandates the following minimum coverages for all vehicles registered in the state:
These minimum amounts might not fully cover all costs in more serious accidents, so you may want to purchase higher limits to protect yourself financially.
How to find cheap liability car insurance in Florida
The following tips can help you find cheap liability insurance in Florida:
Ask about discounts. Many insurance companies offer discounts for things like maintaining a clean driving record, insuring multiple vehicles on the same insurance policy, and installing anti-theft devices. Ask your insurance agent or a customer service representative about available car insurance discounts.
Improve your credit. In Florida, insurance companies can use credit-based insurance scores when setting car insurance premiums. Maintaining good credit can help you qualify for lower rates.
Bundle policies. Many insurance companies offer discounts for bundling your car insurance policy with your home insurance or renters insurance.
Shop around to compare quotes. Car insurance policies typically have a six-month term. Comparing insurance quotes every six months or at policy renewal ensures you get the best deal.2
Additional car insurance coverages to consider in Florida
Most insurance professionals recommend buying additional insurance coverage to provide protection beyond bodily injury and property damage. If you finance or lease your car, your lender or leasing company might even require you to have full-coverage car insurance to protect its investment.
These are some common insurance coverages to consider for more vehicle protection:
Liability car insurance in Florida FAQs
The following information can help answer your remaining questions about liability insurance in Florida.
How much does liability insurance cost in Florida?
In Florida, liability insurance averages around $155 per month for basic coverage. Hugo, State Farm, and Mile Auto are three of the cheapest insurance companies in the state. But your costs will vary based on your driving and credit histories, insurance company, and other factors.
Do you need liability insurance in Florida?
Yes. Florida law insurance requires all vehicles registered in the state to have at least $10,000 in personal injury protection and $10,000 in property damage liability coverage. But you might need higher liability limits and other coverages to protect yourself financially in the event of a serious motor vehicle accident.
Is Florida a no-fault state?
Yes. Florida is a no-fault state. This means Florida drivers have to rely on their own personal injury protection to cover medical expenses for themselves and their passengers after an accident, regardless of who was at fault.
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