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Liberty Mutual car insurance in Florida

Q: Is Liberty Mutual available in Florida?

Yes. Liberty Mutual writes personal auto insurance in Florida — 45 states and d.c. — not available in alaska, california, north dakota, south dakota or wyoming. We did not find any Florida-specific exclusions published on its own pages, though carriers do not always publish every state variation.

Q: How much does Liberty Mutual car insurance cost in Florida?

Nobody publishes that figure, and we are not going to invent one. What can be said honestly: drivers in Florida pay $1,994 / yr on average across all insurers, and Liberty Mutual's national average for full coverage is not published, because it does not release rate data. Those are two different measurements and neither one is "what Liberty Mutual charges in Florida". Only a quote on your own ZIP code, vehicle and record answers that.

Q: What are Florida's minimum car insurance requirements?

Florida requires at least PIP $10,000 / PDL $10,000 in liability coverage. Florida requires $10,000 of Personal Injury Protection (PIP) and $10,000 of property damage liability — it does not require bodily injury liability by default, since Florida is a no-fault state. PIP covers your own medical bills after an accident regardless of fault, up to policy limits that are well below the cost of a serious injury.

Q: Is Liberty Mutual a good choice for Florida drivers?

Liberty Mutual does not publish enough data for us to give it an overall score, so judge it on the individual categories rather than a single number. Drivers who value claims handling and will quote it directly describes who it suits best. Nothing we found suggests Florida changes that picture materially. With 12 other insurers we review also writing in Florida, it is worth quoting several.

Liberty Mutual writes personal auto insurance in Florida. We found no Florida-specific restrictions published on its own pages.

Not scoredRead our full Liberty Mutual review

What Liberty Mutual costs in Florida

Florida average, all insurers

$1,994 / yr

About 39% above the national average

Liberty Mutual average, nationwide

Not published

Liberty Mutual does not release public rate data

Two different measurements, shown together for context and deliberately not combined. Neither is what Liberty Mutual would quote you in Florida.

Why there is no third number here

Those two figures measure different things, and multiplying them together would not produce a third. No public dataset publishes what Liberty Mutual specifically charges in Florida — rate filings are not compiled that way, and any site showing you that number has estimated it. We would rather show you the two real figures and be clear about what they do not tell you. The only number that describes your situation is a quote on your own ZIP code, vehicle and driving record.

What’s different about Liberty Mutual in Florida

We did not find any Florida-specific restrictions published on Liberty Mutual’s own pages. That is not the same as there being none — carriers do not always publish every state variation, and availability can change between renewals. Confirm the specific discounts you are counting on when you quote.

What Florida requires you to carry

Minimum liabilityPIP $10,000 / PDL $10,000

Florida requires $10,000 of Personal Injury Protection (PIP) and $10,000 of property damage liability — it does not require bodily injury liability by default, since Florida is a no-fault state. PIP covers your own medical bills after an accident regardless of fault, up to policy limits that are well below the cost of a serious injury.

Driving without the required PIP and property damage coverage in Florida carries fines, license and registration suspension, and can require an SR-22 filing to reinstate driving privileges. A coverage lapse also tends to raise your next premium.

Full Florida rates and requirements →

What moves a Florida premium most

·ZIP code and where the car sits overnight — the biggest single lever.

·Annual mileage, which most insurers weight heavily.

·Driving record over the last three years, especially at-fault claims.

·Continuous coverage history. Gaps cost more than most discounts save.

·Credit history, which factors into most insurers' models here.

How Liberty Mutual scores nationally

These are national measures — J.D. Power and NAIC do not publish per-state breakdowns at carrier level, so this scorecard describes Liberty Mutual as a company rather than its performance in Florida specifically.

Category

Liberty MutualOur score, 1–5

PriceAverage annual full-coverage premium · 25% of score

Not published

This company does not release public rate data

Claims satisfactionJ.D. Power 2025 claims study, out of 1,000 · 20% of score

4.5730/1,000

J.D. Power 2025 claims study, segment average 700

Complaint recordComplaints relative to company size · 15% of score

2.5More than expected

Complaints relative to company size, NAIC data 2021–2023

Financial strengthAM Best Financial Strength Rating · 10% of score

4.0A

AM Best Financial Strength Rating

DiscountsBreadth of published discounts · 15% of score

4.512 published

Discounts on the carrier's own pages · Telematics: RightTrack

Digital experienceApp ratings and self-service depth · 15% of score

5.04.79 iOS / 4.6 Android

App Store (484K ratings) and Google Play (185K ratings), August 2026

Sources: average premiums from NerdWallet's August 2026 rate analysis (Quadrant Information Services), for a 35-year-old driver with a clean record and good credit in a 2023 Toyota Camry LE at 12,000 miles a year, 100/300/50 limits with $1,000 deductibles — national average $2,356. Claims satisfaction from the J.D. Power 2025 U.S. Auto Claims Satisfaction Study (segment average 700). Complaint record from NerdWallet's analysis of NAIC complaint data, 2022–2024. Financial strength from AM Best. Discounts and app data from each carrier's published pages and the Apple App Store / Google Play, retrieved August 2026. Updated August 2026.

Other insurers writing in Florida

12 of the 13 insurers we review also sell in Florida. Availability is the first filter — a cheaper carrier that does not write here is not an option.

State Farm Progressive Geico Allstate USAA Travelers Auto-Owners Nationwide Mercury Amica Chubb RootNot scored

Liberty Mutual in Florida, answered

The questions Florida drivers ask about this carrier.

Is Liberty Mutual available in Florida?

How much does Liberty Mutual car insurance cost in Florida?

What are Florida's minimum car insurance requirements?

Is Liberty Mutual a good choice for Florida drivers?

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