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 Allstate.

CompanyAvg annual premiumAvg monthly premium
State Farm$2,637$220
Geico$2,767$231
Allstate$4,000$333
Travelers$4,090$341
Nationwide$4,434$370
National General Insurance$4,457$371
Mercury Insurance$4,527$377
Progressive$4,877$406
Farmers$5,574$465
Data updated in 2024
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Average rates for high-risk drivers in Florida by driving record

Select your state and risk factor below to see the insurance company and its
average annual full coverage rates.

Florida
State
AlabamaAlaskaArizonaArkansasCaliforniaColoradoConnecticutDelawareFloridaGeorgiaHawaiiIdahoIllinoisIndianaIowaKansasKentuckyLouisianaMaineMarylandMassachusettsMichiganMinnesotaMississippiMissouriMontanaNebraskaNevadaNew HampshireNew JerseyNew MexicoNew YorkNorth CarolinaNorth DakotaOhioOklahomaOregonPennsylvaniaRhode IslandSouth CarolinaSouth DakotaTennesseeTexasUtahVermontVirginiaWashingtonWashington, D.C.West VirginiaWisconsinWyoming
*Please select from the list
At-fault bodily injury accident
Risk Factor
1 At-fault property damage accident over $2K1 At-fault property damage accident under $2KAt-fault bodily injury accidentDUI/DWI first offensePoor creditReckless drivingSpeeding 30+ over limitSpeeding ticket 1-10 MPH over limitSpeeding ticket 11-29 MPH over limit
*Please select from the list
Average annual car insurance rate for At-fault bodily injury accident in Florida, FL is $4,402
Show Graph View
Company nameAverage annual premium
Geico$2,420
State Farm$2,522
Nationwide$3,622
Travelers$3,701
National General Insurance$5,020
Allstate$5,053
Progressive$5,454
Mercury Insurance$5,635
Farmers$6,249
Average annual rate
Data updated in 2024
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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$3,043$254
National General Insurance$3,964$330
Travelers$3,974$331
Progressive$4,142$345
Allstate$4,198$350
Farmers$4,751$396
Mercury Insurance$4,824$402
Nationwide$5,397$450
Data updated in 2024
Read our full methodology

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
Geico$2,516$210
Travelers$3,771$314
Nationwide$3,937$328
Mercury Insurance$4,126$344
National General Insurance$4,348$362
Progressive$4,823$402
Farmers$5,381$448
Data updated in 2024
Read our full methodology

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$2,937$245
Travelers$3,974$331
Allstate$4,198$350
Mercury Insurance$4,824$402
Progressive$5,065$422
Nationwide$5,397$450
Farmers$5,732$478
National General Insurance$5,929$494
Data updated in 2024
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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 $3,075 or $256 per month.

CompanyAvg annual premiumAvg monthly premium
Geico$3,075$256
Nationwide$3,999$333
State Farm$4,045$337
Mercury Insurance$5,135$428
Travelers$5,279$440
Progressive$5,585$465
Allstate$5,907$492
Farmers$6,821$568
Data updated in 2024
Read our full 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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