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Car insurance companies charge more to insure drivers who are at a higher risk of filing a claim. The most common red flags for insurers are serious driving violations like reckless driving or a DUI, multiple tickets or accidents and even bad credit.

The average rate for high-risk car insurance in Florida is $2,665. High-risk drivers in Florida can expect to pay between $3,997 and $5,684 for car insurance depending on the reason for the rate increase.

The cheapest insurance in Florida for high-risk drivers is, on average, State Farm, however, it will vary based on your exact situation.

If you’re a high-risk driver, finding cheap car insurance in Florida will be more of a challenge. We’ve compared auto insurance rates for high-risk drivers from top companies to help you save.

Key takeaways

  • The average cost of high-risk car insurance in Florida is $2,665, but it varies depending on what’s on your record.
  • The average car insurance rate for a driver with a DUI in Florida is $2,356, while a driver with a reckless driving conviction pays $2,356 on average.
  • Bad credit can also land you in the high-risk category, with an average rate of $3,105 in Florida.

Cheapest car insurance for high-risk drivers in Florida

Rates will vary depending on what’s on your driving record, but on average the cheapest car insurance company for high-risk drivers in Florida is State Farm, followed by Geico and Travelers.

CompanyAvg Annual PremiumAvg Monthly Premium
State Farm$2,665$222
Geico$3,488$291
Travelers$4,640$387
Allstate$4,934$411
Nationwide$5,102$425
Progressive$5,355$446
Mercury Insurance$5,386$449
National General Insurance$5,617$468
Farmers$5,847$487

Average rates for high-risk drivers in Florida by driving record

Average cost of car insurance in Florida for high-risk driver

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Cheapest car insurance with a DUI

A DUI will put you into the high-risk category quickly, and you can expect a big jump in your rates. Shopping around can make a big difference, however. The cheapest car insurance company in Florida for a driver with a DUI is State Farm with an average annual of $2,356 a year.

CompanyAvg Annual PremiumAvg Monthly Premium
State Farm$2,356$196
Geico$3,109$259
National General Insurance$3,933$328
Progressive$3,978$331
Travelers$4,013$334
Allstate$4,189$349
Farmers$4,481$373
Mercury Insurance$4,550$379
Nationwide$5,358$446

Cheapest car insurance with multiple tickets

While a single ticket doesn’t mean you’re high-risk, multiple tickets will worry insurance companies more, resulting in higher rates. In Florida, the cheapest car insurance with multiple tickets is from State Farm. It offers full coverage insurance at $2,356 per year or $196 monthly.

CompanyAvg Annual PremiumAvg Monthly Premium
State Farm$2,356$196
Allstate$3,540$295
Geico$3,643$304
Nationwide$3,747$312
Travelers$4,029$336
National General Insurance$4,476$373
Mercury Insurance$5,206$434
Progressive$5,236$436
Farmers$5,724$477

Cheapest car insurance with a reckless driving conviction

Reckless driving is a serious violation and indicates you drive in a very risky manner, which means higher insurance rates. In Florida, State Farm offers the cheapest full coverage car insurance for drivers with a reckless driving conviction at $2,356 a year.

CompanyAvg Annual PremiumAvg Monthly Premium
State Farm$2,356$196
Geico$2,997$250
Travelers$4,013$334
Allstate$4,189$349
Mercury Insurance$4,550$379
Progressive$4,925$410
Nationwide$5,358$446
Farmers$5,462$455
National General Insurance$5,862$488

Cheapest car insurance with bad credit

Although it’s not directly related to driving skills, people with poor credit are statistically more likely to file a claim. As a result, bad credit can put you in the high-risk category, but you can save by shopping around. The cheapest car insurance for drivers with bad credit in Florida is Geico with an average annual cost of $3,105 or $259 per month.

CompanyAvg Annual PremiumAvg Monthly Premium
Geico$3,105$259
National General Insurance$3,769$314
Nationwide$3,942$329
State Farm$4,045$337
Mercury Insurance$4,660$388
Travelers$5,287$441
Progressive$5,301$442
Allstate$5,841$487
Farmers$6,339$528

Methodology

Data is sourced from the Auto Problems Report 2022 for all states including Washington D.C. The rates are based on the driving profile of a 40-year-old male driver who drives a Honda Accord LX and opts for a full-coverage policy with coverage limits of 100/300/100 and a $500 comprehensive and collision deductible across most ZIP codes with 50,00,736 records from 27 companies.

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