Liability Car Insurance in Florida
Numbers refreshed
What Florida's cheapest legal policy costs, and what it leaves out.
- $116.the monthly average for liability.
- 1st of 51.the highest-priced state (1st = highest).
What does liability cost in Florida?
In Florida, the yearly average for liability-only car insurance is $1,391, or about $116 a month. In terms of liability, the state is the 1st most expensive.
| Coverage in Florida | Per year | Per month |
|---|---|---|
| Liability | $1,391 | $116 |
| Collision | $506 | $42 |
| Comprehensive | $278 | $23 |
| Full coverage (all three) | $2,175 | $181 |
Source: NAIC 2024 Auto Insurance Database Average Premium Supplement (PDF).
What you still pay with the minimum
In Florida, you must carry at least $10,000 in property damage liability. Most drivers face no bodily injury minimum, so claims for injuries you cause can be made against you directly.
Liability coverage pays the other people. You pay for repairs to your own car out of pocket unless you add collision.
Any crash costs above your limits may be claimed from you. Raising your limits usually costs far less than the extra protection it brings.
First written