Cheapest Liability Car Insurance In Florida 2026

Getting the best price on liability car insurance in Florida depends on your driving history. For most people who just want a basic policy, GEICO is often the top choice. If you are in the armed forces, you should look at USAA first, as they typically offer the lowest rates.

Drivers who have a recent accident on their record might find a better deal with State Farm. GEICO is also a smart option for many age groups, including teenagers, young adults, and seniors. However, if you have a DUI charge, State Farm generally provides the most affordable premiums in the state.

Cheapest Liability Car Insurance In Florida: GEICO

Florida drivers often find the best value with GEICO when looking for basic liability-only car insurance. A standard policy costs roughly $39 per month on average.

This helps residents in high-cost cities like Miami, Tampa, and Palm Beach save money. Reducing monthly expenses is key for those living in these busy urban areas. A simple liability plan allows you to drive legally while keeping your budget safe.

Cheapest Liability-Only Car Insurance In Florida For Teens: GEICO

Florida teenagers can often find the lowest rates with GEICO. The average monthly payment for liability coverage is around $115.

Getting a good price is crucial because teens pay more than any other age group. Insurers see young drivers as risky customers. This pushes prices up and can really stress a family budget.

Cheapest Liability-Only Car Insurance In Florida For Young Adults: GEICO

Young adults in Florida often find the best value with GEICO. The average monthly rates for this age group are typically around $78. Finding affordable coverage is important when you are just starting to manage your own finances.

Many drivers in their 20s are balancing student loans and rent payments. Cutting costs on car insurance can make a big difference. A liability-only policy meets Florida state laws and keeps you legal on the road. It avoids the high expense of full coverage while protecting your budget.

Cheapest Liability-Only Car Insurance In Florida For Seniors: GEICO

Senior drivers in Florida can find great value with GEICO. Liability coverage usually costs around $46 each month. This is helpful for seniors who need to watch their spending.

Living on a fixed income requires careful planning. Lowering your car insurance bill is an easy way to protect your savings. It ensures you have extra money for other needs while maintaining financial stability.

Cheapest Liability Car Insurance In Florida For Military Members: USAA

Military members in Florida often find the lowest prices with USAA. The average cost for liability coverage is roughly $52 per month. Saving money is important for service families. They often handle extra costs from moving or deployments.

Reducing insurance payments helps keep the family budget on track. Basic liability coverage meets Florida laws. It allows you to stay legal on the road without paying the high price of a full coverage plan.

*Military Only

Cheapest Liability Car Insurance In Florida After An Accident: State Farm

State Farm typically offers the most affordable liability insurance for Florida drivers following an accident. The average monthly payment is approximately $84.

Securing a lower rate is essential after a collision occurs. This is particularly important if you were at fault. Premiums tend to spike after a crash happens. Finding a cheaper provider helps reduce the financial stress on your budget and keeps your expenses manageable.

Cheapest Liability-Only Car Insurance In Florida After A DUI: State Farm

State Farm is often the most affordable option for Florida drivers with a DUI. Monthly premiums average about $158. Finding a low rate is critical because a conviction usually leads to steep price hikes.

Insurers consider you a high-risk driver and will raise your costs significantly. This makes it vital to check rates from different companies. Shopping around is the best way to handle this financial stress and find a policy you can afford.

How To Get Cheaper Liability-Only Insurance

You can reduce your monthly premiums for liability car insurance in Florida by using a few smart tactics. The most important step is comparing quotes from multiple providers. Prices vary a lot because each company uses a different formula to determine risk. You can also work with an independent agent to check several options at once.

Finding discounts is another effective way to save. Insurers often offer lower rates to people with good credit or a clean driving history. Bundling your auto and home policies can also help. If you do not drive often, ask about low-mileage savings.

Adjusting your policy details can also cut costs. Choosing a higher deductible usually lowers your monthly bill. However, you will pay more out of pocket if you file a claim. You should also review your coverage limits. Sticking to Florida state minimums is the cheapest choice, but you must make sure you have enough protection.

Finally, try to keep a clean driving record. Avoiding tickets and accidents prevents rate hikes. Taking a defensive driving course is another good option. Many insurers give discounts for completing these safety classes. These steps will help you find a policy that fits your budget.

How Much Liability Coverage Does Florida Require?

To legally drive in Florida, drivers must carry the minimum insurance coverage required by state law. This coverage exists to help pay for injuries or property damage after an accident, depending on who is affected.

Florida follows a no-fault insurance system. Instead of traditional bodily injury liability, the state requires the following minimum coverage:

• Personal Injury Protection (PIP): $10,000. This pays for medical expenses and certain related costs for you and your passengers, no matter who caused the crash.
• Property Damage Liability (PDL): $10,000. This covers damage you cause to another person’s vehicle or property.

You must keep these policies active at all times to stay on the road. However, relying only on the state minimums can be risky. These limits may not be enough to cover a serious accident. Many drivers buy higher coverage limits to better protect their savings from lawsuits.

Should You Get Liability-Only Insurance?

Deciding between full coverage and liability only insurance depends on how much your car is worth and how much you can afford each month. Liability coverage pays only for damage or injuries you cause to others. It does not help repair or replace your own vehicle after an accident.

If you drive an older car that is already paid off, full coverage may not make sense. This is especially true when the yearly insurance cost comes close to the car’s actual value. In those cases, paying extra for comprehensive and collision coverage can drain your budget without offering much return.

Your driving habits in Florida should also factor into the choice. Drivers with a clean record may be willing to accept more risk to keep premiums low. On the other hand, frequent driving in heavy traffic increases the odds of an accident, which could leave you paying out of pocket for repairs.

Finally, consider your savings. If replacing your car would cause serious financial stress, full coverage offers protection. But if lowering costs is the priority and you can handle the risk, liability-only insurance can be a smart way to save money.

Cheapest Car Insurance In Different Cities In Florida

Compare The Cost Of Liability Car Insurance To Other States

The price of liability-only car insurance can differ widely depending on where you live. Each state sets its own insurance rules, which play a major role in how much drivers pay. Other factors like local weather patterns, traffic density, and accident rates also affect average costs.

As a result, some states are far more affordable than others. For example, drivers in South Dakota pay some of the lowest average monthly rates at around $29. In contrast, Michigan has the highest average cost, with liability-only coverage reaching about $154 per month.

The table below breaks down the average monthly cost of liability-only car insurance across all U.S. states, making it easier to compare prices by location: