Liberty Mutual Florida Auto Insurance Rates
Median premium: $1,484/6mo across 1,473 ZIP codes.
Based on SERFF regulatory rate filings — updated March 2026.
How Liberty Mutual Compares in Florida
Median 6-month premium across all rated ZIPs. Liberty Mutual highlighted in blue.
Geographic Detail
Cheapest Cities for Liberty Mutual
| City | Avg Premium | vs. State Median |
|---|---|---|
| Naples | $890 | -34% |
| Bonita Springs | $890 | -34% |
| Copeland | $890 | -34% |
Most Expensive Cities for Liberty Mutual
| City | Avg Premium | vs. State Median |
|---|---|---|
| North Miami Beach | $1,865 | +39% |
| Key Biscayne | $1,865 | +39% |
| Coral Gables | $1,865 | +39% |
Liberty Mutual Florida Insurance FAQ
ZIP Code Lookup
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Other carriers in Florida
Liberty Mutual ranks #9 out of 10 carriers in Florida with a median 6-month premium of $1,484. This places Liberty Mutual 11% above the statewide median of $1,340. The carrier covers 1,473 ZIP codes across the state, with premiums ranging from $890 to $1,865.
Liberty Mutual is the cheapest option in 0% of Florida ZIP codes (0 ZIPs). The most affordable Liberty Mutual rates are found in Naples, where the average premium is just $890. On the other end, North Miami Beach has the highest Liberty Mutual premiums, averaging $1,865 per 6-month term.
All rate data is sourced from SERFF regulatory filings and validated through TrueFactor's AI-powered validation pipeline. Rates shown are for a standard driver profile (35-year-old, clean record, 2024 Toyota Camry LE, 50/100/50 liability). Actual premiums may vary based on your specific profile, driving history, and coverage selections. Data is updated continuously as new filings are processed.
Want to see rates for your ZIP code?
Access ZIP-level rate data across all 10 carriers, 1,473 ZIP codes, multiple vehicles, and 3 coverage tiers. Updated within days of each new filing.