Go To Top
Why you should trust Insurance.com
Insurance.com is dedicated to informing, educating, and empowering you to make confident insurance decisions. Our content is carefully reviewed by insurance experts, and we rely on a data-driven approach to create unbiased, accurate insurance recommendations. Insurance.com maintains editorial integrity through strict independence from insurance companies.

The cost of car insurance varies depending on your age, marital status, mileage, driving history, and more. Most insurance companies offer a lower price to drivers with good records. But, if you have been cited or have tickets on your record in Florida, your insurance premiums will likely increase.

Experts at Insurance.com have analyzed the rates of various companies to find the cheapest car insurance available for high-risk drivers in Florida. Keep reading to learn more.

Cheapest car insurance for high-risk drivers in Florida with an at-fault accident

At $2,420 per year, Geico offers the cheapest car insurance rates for drivers with at-fault accident in Florida. The rates of Geico are 44.87% less than the state average and $667 Less than the national average.

However, you can save on your insurance by comparing price quotes from multiple insurers.

Below are the average annual rates of carriers providing coverage for drivers with an at-fault accident.

CompanyAvg Annual Premium
State Farm$2,522
National Gen Grp$5,020

Car insurance for high-risk drivers in Florida with a DUI

If you get pulled over for driving under the influence, your car insurance rates will increase considerably as auto insurers often designate drivers convicted of DUI as high-risk.

In Florida, State Farm offers the cheapest full coverage car insurance for drivers with a DUI at $2,356 a year.

Here’s the list of the companies offering cheap car insurance for drivers with a DUI in Florida.

CompanyAvg Annual Premium
State Farm$2,356

Cheapest car insurance for high-risk drivers in Florida with speeding tickets

The cheapest insurance carrier for Florida drivers with speeding tickets is State Farm. It offers full coverage insurance at $2,356 per year or $196 monthly.

Find out car insurance rates different carriers offer in Florida for drivers with speeding tickets

CompanyAvg Annual Premium
State Farm$2,356
National Gen Grp$4,315

Cheapest insurance for high-risk drivers in Florida with poor credit

In Florida Geico is the cheapest insurance company for drivers with poor credit. Florida drivers with poor credit pay an average of $3,075 per year for a full coverage policy.

Here’s how much different carriers charge for car insurance to drivers with poor credit in Florida

CompanyAvg Annual Premium
National Gen Grp$3,805
State Farm$4,045

Car insurance for high-risk drivers in Florida with SR22

If you have SR22 on your driving record, insurance companies see you as a high-risk driver and charge more for policies. The cheapest auto insurance in Florida for drivers with an SR-22 is Geico with an average annual cost of $2,384 or $199 per month.

If you have a DUI or DWI conviction on your driving record, your insurance company might need to file an SR-22 form with the state DMV in your name.

See below the car insurance premiums different insurance carriers offer for drivers with SR-22 in Florida

CompanyAvg Annual Premium
State Farm$2,647
National Gen Grp$4,221


Data was provided in 2022 for Insurance.com by Quadrant Information Services. Rates are based on the driving profile of a 40-year-old male driver with a Honda Accord LX for a full-coverage policy (100/300/100 with a $500 deductible).

Helpful Auto Insurance Articles & Guides