Cheap Liability Car Insurance In Florida

For qualified drivers, getting cheap liability car insurance in Florida for less than $49 a month is possible. Florida auto insurance rates have been on the rise for years due to numerous factors. Current Florida drivers now pay hundreds more per year to cover their vehicles than they did just a few years ago.  

Florida drivers can secure liability-only auto insurance for as little as $49 a month with GEICO or about $55-60 a month with Stateside Insurance. However, the cheapest policy is not always the best choice, and you should consider several important factors before buying a policy.   

What Is Liability‑Only Car Insurance?

Florida’s Minimum Requirements & PIP

To legally drive in Florida, drivers must carry:

• BI: $10,000 per person / $20,000 per accident
• PD: $10,000 per accident
• Personal Injury Protection (PIP): $10,000 (no-fault medical coverage)

Florida is a no-fault state, meaning your PIP covers your medical bills no matter who is at fault in an accident. That’s essential—but it doesn’t replace liability for damage or injury you cause to others.

Who Has The Cheapest Liability Car Insurance In Florida?

Sample Florida Auto Insurance Quotes

Pro Tip: Overall, the best and cheapest Florida insurance company for basic liability insurance is Geico. You can buy a policy in minutes on their easy-to-use website and manage your policy all online. Geico not only has some of the lowest rates in Florida, but consistently has the best claims processing. They also have outstanding customer service.

Why Liability Auto Insurance Rates Can Vary A Lot Throughout Florida? 

• ZIP Code: Urban areas like Miami or Tampa see higher premiums.
• Driver Profile: Age, credit, and driving history, like speeding tickets, DUIs, and accidents, affect rates.
• Coverage Limits: $49 might be for the state’s bare minimum; higher BI/PD limits cost more. 

Why Florida Rates Vary by Insurer & Driver

Florida Automobile Insurance Discounts & Saving Tips  

Telematics Programs

• GEICO DriveEasy: tracks driving behavior to earn discounts 
• Check out telematics insurers like Allstate Driveswise and the newly launched Mercury Go. 

Get Multi-Policy & Multi-Vehicle Bundles and Save Big

Bundle auto with home/renters for significant savings. GEICO, Liberty Mutual emphasize online bundling benefits.

Safe Driver Courses

GEICO offers generous defensive driving course discounts. 

Drop Extra Coverage

Liability-only skips collision/comprehensive—ideal if your car’s value is low.

Increase Deductibles

Lower premiums, but ensure you can cover the deductible in case of a claim.

Annual Shopping

Rates shift; Reddit users and experts encourage changing insurers for lower rates

Cheaper Rates Do Not Always Mean Better Coverage

Before you buy a liability-only policy in Florida, make sure you look over all the fine details in the policy. Think carefully about things like:  

1. Coverage Gaps: Liability-only doesn’t pay for your medical bills or car repairs.
2. Uninsured Motorists: Florida has a high uninsured driver rate—your liability-only policy may leave you unprotected.
3. Inflation & Damage Costs: Rising medical and repair costs can outpace minimal state limits.
4. Customer Service Quality: GEICO scores average or below on satisfaction and claims handling.
5. Regulatory/Fraud Risks: Florida fraud impacts overall pricing; regulatory shifts can change premiums.

How to Shop and Buy Cheap Liability Car Insurance In Florida

1. Evaluate your specific needs: Do you need more than the bare minimum?
2. Get multiple quotes online and via an agent.
3. Adjust coverage levels: $10k/20k vs 50/100, etc.
4. Apply all discounts.
5. Consider telematics options.
6. Review policy annually—life changes impact eligibility.
7. Ensure insurer stability: check AM Best (e.g., GEICO A++), J.D. Power satisfaction reviews.
   

Q/A About Florida Liability Insurance Coverage 

The Final Word On Cheap Florida Liability Auto Insurance 

The cheapest liability car insurance in Florida starts at around $49 a month with GEICO. Other insurers like Stateside Insurance also have competitive rates close to Geico’s.  

The cost of your Florida liability policy depends on factors like your zip code, credit history, and marital status. Now that you know the insurers that offer cheap liability auto insurance in Florida, it’s time to start comparing rates. Compare quotes from up to ten Florida insurers in less than five minutes. Save more money today with direct rates.