Cheapest car insurance for high-risk drivers in Florida

Which company has the cheapest car insurance in Florida for a bad driving record?

State Farm, Travelers and Nationwide offer some of the cheapest rates for drivers with poor driving records in Florida. Among them, State Farm has the lowest average premium at $3,570 annually.

If you have accidents, tickets or a DUI on your record, insurance companies will charge higher rates. Serious violations may affect your premiums for years, especially if you have multiple offenses.

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?

The average cost of high-risk car insurance in Florida is $4,437 annually. However, some insurers offer rates far below the state average, with premiums starting around $3,570 per year.

Not every high-risk factor affects premiums equally. A single speeding ticket may cause only a moderate increase, while multiple violations, at-fault accidents or poor credit can raise rates substantially.

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

Show Graph View

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 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?

State Farm has the cheapest average DUI insurance rates in Florida at $2,276 annually.

Driving under the influence (DUI) is a major traffic violation that will hurt your driving record. It can increase auto insurance rates for almost a decade, in addition to fines and other penalties. Multiple DUIs will increase your premiums even more, but improving your driving habits can help you get better rates over time.

The table below shows the average car insurance rates for a clean record vs. 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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What is the cheapest car insurance in Florida with multiple tickets?

State Farm offers the lowest average rates for drivers with multiple traffic tickets at $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

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Expert's 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 provides the cheapest average reckless driving insurance rates in Florida at $2,276 per year.

If you engage in hazardous driving behaviors that endanger others, you may be charged with reckless driving. A reckless driving conviction will increase your car insurance rates.

The table below shows car insurance rates for drivers with a clean record vs. drivers 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

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Expert's 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

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What company has the cheapest car insurance in Florida after an accident?

State Farm offers the cheapest average post-accident rates in Florida at $2,448 annually. Nationwide also provides relatively affordable rates at $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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Expert's 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?

Fellsmere has the cheapest average high-risk car insurance rates in Florida at $4,094 per year. In comparison, drivers in Aventura pay the highest average rates at $5,606 annually.

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.

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 can high-risk drivers lower their car insurance rates in Florida?

High-risk drivers in Florida can reduce insurance costs by comparing quotes and avoiding additional violations. Many insurers reward safer driving habits over time with lower premiums.

Ways to lower car insurance rates include:

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.
Take a defensive driving course. Many insurance companies offer a discount for completing the class, and some states remove driver's license points for successfully completing it.
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 Florida 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.

What are Florida's insurance requirements 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.

An SR-22 is not an insurance policy and doesn't require special 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:

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

FAQ: High-risk car insurance in Florida

Can high-risk drivers get full coverage car insurance in Florida?

Yes, you can get full coverage insurance as a high-risk driver. However, you can expect it to cost a lot more than liability-only coverage.

Does an SR-22 automatically make your insurance more expensive in Florida?

Not directly. It's the reason you need an SR-22 that will cause the rate increase. An SR-22 is the form the insurance company has to file with the state, and by itself, it doesn't increase your rates.