Mercury car insurance in Florida
Mercury writes personal auto insurance in Florida. But one thing works differently here than the national advertising suggests — the details are below.
What Mercury costs in Florida
Two different measurements, shown together for context and deliberately not combined. Neither is what Mercury would quote you in Florida.
Those two figures measure different things, and multiplying them together would not produce a third. No public dataset publishes what Mercury 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 Mercury in Florida
Insurers advertise nationally and sell state by state. These are the differences Mercury publishes for Florida — worth knowing before you assume an advertised discount applies to you.
Mercury's app-based driving program is offered in this state, alongside RealDrive for low-mileage drivers.
What Florida requires you to carry
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
How Mercury scores nationally
These are national measures — J.D. Power and NAIC do not publish per-state breakdowns at carrier level, so this scorecard describes Mercury as a company rather than its performance in Florida specifically.
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.
Mercury in Florida, answered
The questions Florida drivers ask about this carrier.
See what Mercury actually quotes you in Florida.
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