Cheapest car insurance for high-risk drivers in Florida

Cheapest car insurance in Florida for a bad driving record

If you have a poor driving record in Florida, State Farm, Travelers, Nationwide are the cheapest options. State Farm has the lowest annual rate at $3,570 per year.

Having accidents, DUIs or traffic tickets on your driving record, will make you pay more for insurance. Most tickets will affect your rates for three to five years. A DUI can affect your rates for up to 10 years and can stay 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

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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.

Many things can make you a high-risk driver, but some affect your rates more than others. For example, having multiple speeding tickets or a ticket for speeding in a school zone will increase your rates more than a single basic speeding ticket.

Read on as we explain high-risk car insurance factors and rates below.

Average annual car insurance rate for At-fault bodily injury accident in Florida, FL is $4,004

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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

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Average annual rate

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

While many insurers offer coverage after a DUI, State Farm provides the average cheapest coverage for $2,276 annually.

A DUI is one of the most serious traffic violations to have on your record. Not only do you have to pay fines, but you'll also see vastly higher car insurance rates for up to 10 years. Multiple DUIs will cause your premiums to skyrocket.

The table below compares average car insurance rates with a clean driving record and rates after a DUI in Florida.

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

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Cheapest car insurance in Florida with multiple tickets

State Farm is the cheapest car insurance company for drivers with multiple traffic tickets, with an average rate of $2,276 a year or $190 a month.

While one traffic ticket can affect car insurance rates, multiple tickets can significantly increase those rates. Failure to obey speed limits and traffic laws leads insurers to believe they will eventually have to pay claims due to 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

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Cheapest car insurance in Florida with a reckless driving conviction

State Farm offers the cheapest rates for drivers with reckless driving convictions at $2,276 per year.

A single ticket can raise your car insurance premiums, but multiple tickets will push them even higher. Repeatedly violating speed limits and other traffic laws signals risky behavior, increasing the likelihood that insurers will have to pay claims.

You can be charged with reckless driving for many reasons, such as excessive speed, multiple accidents in a short time or street racing. Regardless of the cause, a reckless driving conviction raises car insurance rates.

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

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Cheapest car insurance in Florida with bad credit

In Florida, Nationwide provides the lowest premiums for drivers with poor credit, averaging $3,364 per year or $280 per month. Even with a low credit score, you can still find affordable auto insurance.

While your credit score doesn't reflect your driving ability, it can impact your car insurance rates and place you in a higher-risk category. Insurers view lower credit scores as an indicator of increased risk based on statistics showing that these drivers are more likely to file claims.

Check the table below to see how credit scores impact car insurance costs in Florida.

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

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Cheapest car insurance after an accident in Florida

State Farm has the lowest average rates after an accident at $2,448 a year. Nationwide also offers affordable rates, averaging $3,030 per year.

Drivers with accidents on their record usually pay higher insurance premiums than drivers with a clean record. A single accident can raise your rates, and multiple accidents can push them even higher.

This table shows car insurance rates for drivers with a clean record, a single 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

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Cheapest car insurance in Florida by city

Fellsmere has the cheapest car insurance rates in Florida at $4,094 per year. But the most expensive city is Aventura with rates of $5,606 per year.

Your location in Florida also matters. For example, if you live in an area with heavy traffic or a high vehicle theft rate, rates will reflect the increased chance 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

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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 considered a high-risk driver in Florida, you may be required to file an SR-22. This form is filled out by your car insurance company, stating that you have at least the minimum required coverage. The court will let you know how long you must file an SR-22.

Although an SR-22 is typically called insurance, it is only the form. You don't need special insurance coverage, but rates are much higher for high-risk drivers and not all carriers insure such drivers.

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: