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
- Average rates for high-risk drivers in Florida by driving record
- Cheapest car insurance with a DUI
- Cheapest car insurance with multiple tickets
- Cheapest car insurance with a reckless driving conviction
- Cheapest car insurance with bad credit
- Methodology
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.
| Company | Avg Annual Premium | Avg 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
Select your state and risk factor below to see the insurance company and its
average annual full coverage rates.
| Company name | Average annual premium |
|---|
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.
| Company | Avg Annual Premium | Avg 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.
| Company | Avg Annual Premium | Avg 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.
| Company | Avg Annual Premium | Avg 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.
| Company | Avg Annual Premium | Avg 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.
