- Cheapest car insurance in Florida for a bad driving record
- How much is high-risk car insurance in Florida?
- Cheapest car insurance in Florida with a DUI
- Cheapest car insurance in Florida with multiple tickets
- Cheapest car insurance in Florida with a reckless driving conviction
- Cheapest car insurance in Florida with bad credit
- Cheapest car insurance after an accident in Florida
- Cheapest car insurance in Florida by city
- How to reduce car insurance rates in Florida for a bad driving record
- Florida car insurance laws for high-risk drivers
- Methodology
- Compare Florida high-risk driver car insurance rates with other states
Cheapest car insurance in Florida for a bad driving record
Drivers with a poor record in Florida will find the lowest rates from State Farm, Travelers and Nationwide. Among these, State Farm provides the lowest annual premiumThe payment required for an insurance policy to remain in force. Auto insurance premiums are quoted for either 6-month or annual policy periods. at $3,570 annually.
If you have accidents, DUIs or traffic tickets on your driving record, youâ??ll likely pay higher insurance rates. Most traffic violations can impact your rates for three to five years, while a DUI can raise your rates for up to 10 years and may remain on your record for life.
| Company | Average annual premium for clean record | Annual premium for high-risk driver |
|---|---|---|
| State Farm | $2,119 | $3,570 |
| Travelers | $2,356 | $3,681 |
| Nationwide | $2,150 | $3,738 |
| National General | $3,103 | $3,831 |
| Progressive | $2,902 | $3,854 |
| GEICO | $2,214 | $3,917 |
| Mercury Insurance | $3,358 | $4,790 |
| Allstate | $3,569 | $5,270 |
| Farmers | $3,261 | $7,427 |
How much is high-risk car insurance in Florida?
A problematic driving record or poor credit score may mean higher insurance rates, but affordable options exist. In Florida, high-risk car insurance costs $4,437 per year. However, you can get rates as low as $3,570 annually from State Farm.
Although you may be labeled high-risk for many reasons, some factors raise rates more than others. For example, multiple speeding tickets may significantly raise car insurance rates, but so can a single ticket for excessive speed in a school zone.
Read on as we explain high-risk car insurance factors and rates below.
Select your state and risk factor below to see the insurance company and its
average annual full coverage rates.
| Company | Annual premium for clean record | Annual premium after violation |
|---|---|---|
| State Farm | $2,119 | $2,448 |
| Nationwide | $2,150 | $3,030 |
| GEICO | $2,214 | $3,179 |
| Travelers | $2,356 | $3,359 |
| National General | $3,103 | $4,004 |
| Progressive | $2,902 | $4,249 |
| Farmers | $3,261 | $5,124 |
| Mercury Insurance | $3,358 | $5,710 |
| Allstate | $3,569 | $6,295 |
PEOPLE ASK:
Who is considered high-risk for insurance in Florida?
Each insurance company has its own rules for deciding who is a high-risk driver. But usually, things like a DUI, several tickets or accidents, or serious violations like reckless driving will put you in the high-risk category.
Cheapest car insurance in Florida with a DUI
Although many insurance companies provide coverage after a DUI, State Farm offers the most affordable rate at $2,276 a year.
Driving under the influence (DUI) is a serious traffic violation that damages your driving record. It can raise auto insurance premiums for nearly 10 years, on top of fines and other penalties. Multiple DUIs drive rates even higher, but consistent safe driving over time can gradually lead to lower premiums.
The table below compares average car insurance premiums in Florida for drivers with a clean record versus those with a DUI.
| Company | Average annual premium for clean record | Annual premium for a DUI |
|---|---|---|
| State Farm | $2,119 | $2,276 |
| Progressive | $2,902 | $3,239 |
| National General | $3,103 | $3,259 |
| Travelers | $2,356 | $3,592 |
| GEICO | $2,214 | $3,978 |
| Nationwide | $2,150 | $4,575 |
| Allstate | $3,569 | $4,671 |
| Mercury Insurance | $3,358 | $4,962 |
| Farmers | $3,261 | $8,529 |
Cheapest car insurance in Florida with multiple tickets
The cheapest insurer for drivers with multiple tickets is State Farm, with rates averaging $2,276 annually or $190 monthly.
One ticket will affect car insurance rates, but multiple tickets will increase rates by a lot more. Repeated failure to obey speed limits and traffic laws means insurers are more likely to pay claims because of your risky driving.
This table shows Florida drivers how much multiple tickets increase premiums.
| Company | Average annual premium for clean record | Annual premium with a speeding ticket |
|---|---|---|
| State Farm | $2,119 | $2,276 |
| Nationwide | $2,150 | $3,305 |
| Travelers | $2,356 | $3,416 |
| National General | $3,103 | $3,656 |
| Progressive | $2,902 | $3,759 |
| GEICO | $2,214 | $3,848 |
| Mercury Insurance | $3,358 | $4,344 |
| Farmers | $3,261 | $5,541 |
Cheapest car insurance in Florida with a reckless driving conviction
State Farm offers the most affordable rates for drivers with reckless driving convictions, averaging $2,276 per year.
Engaging in driving behaviors that put others at risk can lead to a reckless driving charge. A conviction for reckless driving results in higher car insurance rates.
The table below compares car insurance premiums for drivers with a clean record and those with a reckless driving conviction.
| Company | Average annual premium for clean record | Annual premium for reckless driving |
|---|---|---|
| State Farm | $2,119 | $2,276 |
| Travelers | $2,356 | $3,592 |
| GEICO | $2,214 | $3,848 |
| Progressive | $2,902 | $3,950 |
| Nationwide | $2,150 | $4,575 |
| Allstate | $3,569 | $4,671 |
| National General | $3,103 | $4,751 |
| Mercury Insurance | $3,358 | $4,962 |
| Farmers | $3,261 | $8,529 |
Cheapest car insurance in Florida with bad credit
The cheapest Florida insurer for bad credit is Nationwide, with rates averaging $3,364 annually or $280 monthly. Fortunately, drivers with bad credit can still find affordable auto insurance.
Although unrelated to your performance behind the wheel, your credit score also impacts car insurance rates and can put you in the high-risk category. To an insurance company, high-risk means more likely to file a claimAn insurance claim is a request you make to your insurance company for coverage after your car is damaged or you have an accident. You can file a claim online, by phone, or in writing., and statistically, drivers with a low credit score fit that description.
Check out the table below to see how your credit score affects Florida car insurance.
| Company | Annual premium for good credit | Annual premium for bad credit |
|---|---|---|
| Nationwide | $2,150 | $3,364 |
| GEICO | $2,214 | $4,062 |
| Travelers | $2,356 | $4,654 |
| Progressive | $2,902 | $4,661 |
| Mercury Insurance | $3,358 | $5,785 |
| Allstate | $3,569 | $6,466 |
| State Farm | $2,119 | $10,039 |
| Farmers | $3,261 | $10,879 |
Cheapest car insurance after an accident in Florida
State Farm offers the lowest rates after an accident, averaging $2,448 per year. Nationwide is another budget-friendly option, with rates around $3,030 a year.
Drivers with accidents on their record typically pay higher insurance rates than those with a clean record. While car insurance rates may increase after one accident, multiple accidents can increase rates even more.
This table shows rates for drivers with a clean record, one at-fault accident and multiple accidents.
| Company | Average annual premium for clean record | Annual premium for one at-fault accident | Annual premium for multiple accident |
|---|---|---|---|
| State Farm | $2,119 | $2,448 | $2,448 |
| Nationwide | $2,150 | $3,030 | $3,988 |
| GEICO | $2,214 | $3,179 | $3,848 |
| Travelers | $2,356 | $3,265 | $4,126 |
| National General | $3,103 | $4,004 | $6,195 |
| Progressive | $2,902 | $4,249 | $5,420 |
| Farmers | $3,261 | $5,124 | $8,060 |
| Mercury Insurance | $3,358 | $5,710 | $7,051 |
| Allstate | $3,569 | $6,295 | $7,831 |
Cheapest car insurance in Florida by city
In Florida, the lowest car insurance rates are found in Fellsmere, averaging $4,094 annually. On the other hand, Aventura has the highest rates at $5,606 a year.
Where you live in Florida matters, too. If you're in an area with heavy traffic or a high rate of vehicle theft, your premiums will rise to reflect the increased likelihood of claims.
| City | Average annual premium for clean record | Annual premium for high-risk driver |
|---|---|---|
| Fellsmere | $2,557 | $4,094 |
| Avon Park | $2,639 | $4,278 |
| Deland | $2,701 | $4,343 |
| Palm City | $2,706 | $4,348 |
| Jacksonville | $2,692 | $4,426 |
| Bellair-Meadowbrook Terrace | $2,790 | $4,495 |
| Orlando | $2,835 | $4,605 |
| Port St. Lucie | $2,824 | $4,650 |
| St. Petersburg | $2,909 | $4,748 |
| Clearwater | $3,007 | $4,908 |
| Tampa | $3,131 | $5,142 |
| Fort Lauderdale | $3,174 | $5,226 |
| Miami | $3,345 | $5,567 |
| Hialeah | $3,355 | $5,580 |
| Aventura | $3,329 | $5,606 |
How to reduce car insurance rates in Florida for a bad driving record
Finding affordable car insurance in Florida is possible, even with a bad driving record. Ways to lower car insurance rates include:
Where you live in Florida also affects car insurance rates. For example, if you live in a high-traffic or high-theft area, rates will increase because your vehicle is more likely to be damaged or stolen.
- Carefully consider filing claims. Paying for minor damage out of pocket may be cheaper than filing an insurance claim and increasing rates for years.
- Avoid costly infractions. Drive carefully to avoid adding traffic infractions to your record. Tickets only affect insurance rates for a few years, which will decrease if more tickets aren't added.
- Improve your credit score. Raising your credit score lowers car insurance rates. Make on-time payments and consider credit usage to improve your rating.
- Take a defensive driving course. Many insurance companies offer a discount for doing so, and some states remove driver's license points for successfully completing the class.
- Shop around for coverage. Every car insurance company weighs factors differently and offers different rates. Compare quotes to find the cheapest rates.
PEOPLE ASK:
How long are you considered a high-risk driver in Florida?
Three years is common, but how long you are considered a high-risk driver in California depends on the insurance company's guidelines. The state determines how long a violation stays on your record, but the insurance company determines how long you're charged for that violation.
Florida car insurance laws for high-risk drivers
If you're a high-risk driver in Florida, you might need to file an SR-22. This is a form that your car insurance company sends in to show you have the required minimum insurance coverage. The court will let you know how long you need to keep the SR-22.
An SR-22 isn't a type of insurance; it's just a form. You don't need special coverage, but your rates might be higher because you're considered high-risk. Also, not all insurance companies offer coverage for high-risk drivers or handle SR-22 filings.
Methodology
170+
insurance companies analyzed
34,000+
ZIP codes examined
$53M
insurance quotes analyzed
National and state average rates are based on three coverage levels: state minimum, 50/100/50 liability-only, and full coverage with 100/300/100 liability and $500 deductibles.
All base rate averages are based on our full coverage data set. This data set is based on:
- A 40-year-old driver
- A clean record
- Good credit
- State minimum insurance, which includes liability coverage and may also include personal injury protection, medical payments and uninsured motorist coverage
Best company rankings use the rate data outline above, as well as:
- Customer complaints ratios from the National Association of Insurance Commissioners (NAIC) complaints database, where a score of 1.00 is considered the baseline and anything below is a low complaint volume while anything above is considered a high volume.
- Overall customer satisfaction ratings from J.D. Power's U.S. Auto Insurance Study, where companies are scored out of 1,000.
- AM Best financial ratings were used to indicate financial stability, where the best possible score is A++.
Compare Florida high-risk driver car insurance rates with other states
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