- Which company has the cheapest car insurance in Florida for a bad driving record?
- How much is high-risk car insurance in Florida?
- What company offers the cheapest car insurance in Florida after a DUI?
- Cheapest car insurance in Florida with multiple tickets
- Which company offers the cheapest insurance for reckless driving in Florida?
- Which company has the cheapest car insurance for drivers with bad credit in Florida?
- What company has the cheapest car insurance in Florida after an accident?
- Which city has the cheapest car insurance for high-risk drivers in Florida?
- How can high-risk drivers lower their car insurance rates in Florida?
- Are Florida's insurance requirements for high-risk drivers?
- Compare Florida high-risk driver car insurance rates with other states
Which company has the 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, you'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?
In Florida, the average cost of high-risk car insurance is $4,437 per year. However, you may secure coverage from State Farm for as low as $3,570 annually. Even with a problematic driving record or poor credit score, affordable policies are available.
Several factors can classify you as a high-risk driver, but some raise your premiums more than others. For example, receiving multiple speeding tickets or getting one for speeding in a school zone will boost your rates more than a single basic speeding ticket.
Keep reading as we break down the factors that make you a high-risk driver and what you can expect to pay for car insurance.
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 a high-risk driver 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.
What company offers the cheapest car insurance in Florida after 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
For drivers with multiple tickets, State Farm offers the lowest premiums, averaging $2,276 per year or $190 per month.
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.
This table shows drivers in Florida how much having multiple tickets can raise their insurance 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 |
Key insight
Two minor tickets can sometimes cost you more on insurance in the end than one major violation.
Which company offers the cheapest insurance for reckless driving in Florida?
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 |
Key insight
A reckless driving conviction can limit your car insurance options and significantly raise rates, so shopping around is critical.
Which company has the cheapest car insurance for drivers with bad credit in Florida?
The cheapest Florida insurer for bad credit is Nationwide, with rates averaging $3,364 per year or $280 per month. The good news is that drivers with bad credit can still get affordable auto insurance.
Your credit score may not be related to your driving skills, but it can affect your car insurance rates and put you in a higher-risk category. From an insurer's perspective, higher risk means an increased chance of filing 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 statistics show that drivers with lower credit scores are in this category.
Check 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 |
What company has the cheapest car insurance in Florida after an accident?
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 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 |
Key insight
Accident forgiveness programs can prevent rate increases, but eligibility varies by insurer, and often only minor accidents qualify.
Which city has the cheapest car insurance for high-risk drivers in Florida?
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 can high-risk drivers lower their car insurance rates in Florida?
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.
Are Florida's insurance requirements 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:
- Bodily injury liability of $100,000 per person and $300,000 per incident
- Property damage liability of $100,000 per incident
- Comprehensive and collision deductibles of $500
- 40-year-old driver
- Honda Accord LX
- Good credit
- A clean driving record
- 12-mile commute, 10,000 annual mileage
Our data is then adjusted to reflect the rate increase from this base rate for the following infractions and issue:
- DUI
- Reckless driving
- Multiple speeding tickets
- Bad credit
- One at-fault accident over $2,000
Compare Florida high-risk driver car insurance rates with other states
You might also be interested in- Tesla insurance in Florida for 2025
- Florida landlord insurance for 2025: What you need to know
- Florida car insurance laws and requirements: What is changing in 2026
- Florida DUI and insurance: How much does a DUI raise your insurance?
- Speeding ticket calculator in Florida
- SR-22 insurance in Florida
- Non-owner car insurance in Florida: Best and cheapest companies
- Florida gap insurance: Everything you need to know
- The Florida insurance crisis: Are insurance companies still leaving Florida?
- Low-income car insurance in Florida
In case you missed it
Stay updated with our latest insurance insights and guides
March 20, 2026Progressive is the cheapest car insurance company for South Carolina high-risk drivers...
Read article March 20, 2026Nationwide is the cheapest car insurance company for South Dakota high-risk drivers...
Read article March 20, 2026Progressive is the cheapest car insurance company for Tennessee high-risk drivers at...
Read article March 20, 2026Nationwide is the cheapest car insurance company for Texas high-risk drivers at...
Read article March 20, 2026Nationwide is the cheapest car insurance company for Utah high-risk drivers at...
Read article March 19, 2026State Farm is the cheapest car insurance company for Nevada high-risk drivers...
Read article March 19, 2026Auto-Owners is the cheapest car insurance company for New Hampshire high-risk drivers...
Read article March 19, 2026NJM is the cheapest car insurance company for New Jersey high-risk drivers...
Read article March 19, 2026Progressive is the cheapest car insurance company for New Mexico high-risk drivers...
Read article March 19, 2026Progressive is the cheapest car insurance company for New York high-risk drivers...
Read article March 19, 2026Erie Insurance is the cheapest car insurance company for Ohio high-risk drivers...
Read article March 19, 2026Progressive is the cheapest car insurance company for Oklahoma high-risk drivers at...
Read article March 19, 2026Travelers is the cheapest car insurance company for Oregon high-risk drivers at...
Read article March 19, 2026Travelers is the cheapest car insurance company for Pennsylvania high-risk drivers at...
Read article March 19, 2026Progressive is the cheapest car insurance company for Rhode Island high-risk drivers...
Read article March 18, 2026Nationwide is the cheapest car insurance company for Mississippi high-risk drivers at...
Read article March 18, 2026Kemper is the cheapest car insurance company for Montana high-risk drivers at...
Read article March 18, 2026Nationwide is the cheapest car insurance company for Nebraska high-risk drivers at...
Read article March 18, 2026Erie Insurance is the cheapest car insurance company for North Carolina high-risk...
Read article March 18, 2026American Family is the cheapest car insurance company for North Dakota high-risk...
Read article
