Cheapest Car Insurance in Florida After an Accident
State Farm is the cheapest insurer for Florida drivers after an accident, with full-coverage rates of $104 per month.
Secure. Free. Easy-to-use.
4.7 / 515K reviews
)
Written byJessica Martel
)
Jessica MartelInsurance Writer
7+ years in personal finance writing
Certified Financial Education Instructor
)
Edited byMacKenzie Korris
)
MacKenzie KorrisLicensed P&C Agent, Insurance Copy Editor
Licensed property and casualty insurance agent
10+ years editing experience
NPN: 21630969
)
Reviewed byJohn Leach
)
John LeachLicensed P&C Agent, Chief Copy Editor
Licensed property and casualty insurance agent
10+ years editing experience
NPN: 20461358
Featured in
){kind=small}
Updated
Why you can trust Insurify: Comparing accurate insurance quotes should never put you at risk of spam. We earn an agent commission only if you buy a policy based on our quotes. Our editorial team follows a rigorous set of editorial standards and operates independently from our insurance partners. Learn more.
Florida drivers with an at-fault accident pay an average of 28% more for coverage than drivers with a clean record, according to Insurify data. Comparing multiple auto insurance companies can help you find the most affordable Florida car insurance after an accident.
Keep reading to find the cheapest car insurers after an accident in Florida, how much you can expect your rates to increase, and what you can do to find the cheapest premiums.
Quick Facts
After an accident, Florida drivers pay an average of $299 per month for full-coverage insurance and $174 per month for minimum coverage.
State Farm and Progressive are the cheapest insurance companies in Florida after an accident, with average monthly liability rates of $104 and $102, respectively.
In 2025, Florida reported 366,861 crashes resulting in 157,802 injuries and 2,968 fatalities.[1]
Cheapest car insurance companies in Florida after an accident
If you’re one of the 4% of Florida drivers who’ve been in an at-fault accident, comparing multiple auto insurance companies can help you find the cheapest premiums.
State Farm offers some of the most affordable average rates, at $104 per month for liability insurance.
The cheapest rates for a full-coverage policy come from Progressive, at an average of $179 per month.
At-fault drivers can expect auto insurance rates to increase after an at-fault accident, as insurers see them as high risk.[2] The following table shows the monthly rates for various driver profiles in Florida with an accident on their driving record.
The below rates in Florida are estimated rates current as of: Sunday, May 31 at 5:00 PM PDT.
Insurance Company  | Average Monthly Quote: Liability Only | Average Monthly Quote: Full Coverage |
|---|---|---|
| Progressive | $102 | $179 |
| State Farm | $104 | $169 |
| Mile Auto | $111 | $207 |
| GEICO | $118 | $241 |
| Clearcover | $119 | $290 |
| Dairyland | $131 | $408 |
| Embark | $132 | $323 |
| Infinity | $147 | $311 |
| GAINSCO | $151 | $353 |
| Direct Auto | $159 | $270 |
| The General | $170 | $325 |
| Mercury | $175 | $264 |
| Bristol West | $176 | $276 |
| AssuranceAmerica | $181 | $330 |
| Allstate | $185 | $298 |
| National General | $187 | $247 |
| Root | $189 | $342 |
| Travelers | $220 | $356 |
| Mendota | $285 | $441 |
| First Acceptance | $290 | $422 |
| Liberty Mutual | $299 | $387 |
Disclaimer: Table data sourced from real-time Florida car insurance quotes from Insurify's 500+ partner insurance providers and quote estimates from Quadrant Information Services. Actual car insurance quotes in Florida may vary based on the policy buyer's unique driver profile.
Find Cheap Car Insurance after an Accident in Florida
Monthly rates start at $104 for drivers with an accident
Excellent
4.7 out of 5 based on 14,728 reviews
Secure. Free. Easy-to-use.
How much does car insurance in Florida increase after an accident?
State-average premiums for Florida drivers with an at-fault accident are higher than the national average. Florida car insurance rates for drivers with a clean driving record are $186 per month, compared to $237 per month for drivers with an at-fault accident on record.
The cost of car insurance after an accident depends on whether you’re at fault. If you cause the crash, you can expect your premiums to go up. If you’re not at fault, Florida law protects you from rate increases in many scenarios. For example, if you’re in a hit-and-run with an uninsured driver or if another driver hits you, you won’t see your rates increase.[3]
The table below shows average monthly insurance rates in Florida for people with different driving records.
Driving Record | Average Monthly Rate |
|---|---|
| Clean driving record in FL | $186 |
| At-fault accident in FL | $237 |
Disclaimer: Table data is based on real-time Florida quotes from Insurify’s network of 500+ insurance partners. Actual rates may vary depending on the policyholder’s individual profile and coverage needs.
How long does an accident stay on your record in Florida?
If you’re in an accident in Florida, it’ll typically stay on your record and affect your car insurance rates for three to five years, depending on the severity of the violation. More serious violations, such as crashing while driving under the influence (DUI), can stay on your record for 75 years.
Even if you weren’t the at-fault driver, the accident can still appear on your driving record. But insurance companies generally won’t raise your premiums as much if you didn’t cause the crash. Maintaining a clean driving record and safe driving habits can help you get cheaper car insurance rates over time.
How to get cheaper Florida car insurance after an accident
Florida auto insurance costs are likely to increase after an at-fault accident, but you can take steps to reduce your premiums:
Comparison shop
Auto insurance rates can vary widely between insurers. To find the best Florida car insurance rates, get quotes from multiple insurance companies.
Complete a mature driver course
Drivers aged 55 and older can complete a mature driver discount course approved by the Florida Department of Highway Safety and Motor Vehicles (FLHSMV). Upon completion, you can present your certificate to your auto insurance company to qualify for a safe driver discount.
Work on your credit
Florida car insurance companies can use your credit history as one factor in determining your car insurance premiums. Good credit can lead to lower premiums, while poor credit can lead to higher premiums.
Ask about safety discounts
Florida law requires insurers to offer discounts for vehicles with certain safety features, such as factory-installed four-wheel anti-lock brakes.
Consider liability coverage
Instead of a full-coverage policy that includes collision coverage and comprehensive coverage, you can reduce car insurance costs by purchasing only state-minimum coverage. Since Florida is a no-fault state, it requires a minimum coverage limit of $10,000 in personal injury protection (PIP) and $10,000 in property damage liability. Bodily injury liability coverage isn’t an insurance requirement in Florida.
Practice safe driving
A clean driving record with no speeding tickets, DUIs, or at-fault accidents can help you secure lower insurance rates. Participating in a telematics program that rewards safe driving can also help lower your premiums.
Compare Car Insurance Quotes in Florida Instantly
Save up to $1,100† per year on coverage
Excellent
4.7 out of 5 based on 14,728 reviews
Secure. Free. Easy-to-use.
What is accident forgiveness, and do you need it in Florida?
Accident forgiveness is an optional feature that you can add to your car insurance policy to avoid rate increases after an accident, even if it’s your fault. It usually only applies to one accident over a certain period of time.
Travelers, Allstate, and Progressive are some insurance companies that offer this coverage option, but not all insurers do. The average cost of accident forgiveness varies based on factors like your age, driving history, and the car insurance company you choose.
The main benefit of accident forgiveness is avoiding a premium increase after an at-fault accident. But it comes at an added cost and usually only applies to one accident.
Car insurance after an accident in Florida FAQs
For more information about Florida car insurance after an accident, check out the following answers to some of our most frequently asked questions.
What is the best car insurance in Florida after an accident?
Progressive and State Farm are two of the best car insurance companies in Florida after an accident, offering some of the lowest average auto insurance rates. Progressive also offers accident forgiveness. Policyholders score State Farm above average for its insurance claims process and overall claims satisfaction.
Which insurance company has the highest customer satisfaction in Florida?
Allstate and GEICO share the top spot for overall customer satisfaction in Florida, according to the J.D. Power U.S. Auto Insurance Study.
Which company offers the cheapest car insurance in Florida?
State Farm offers the cheapest car insurance in Florida, at an average of $80 per month for liability insurance coverage. State Farm offers the cheapest full-coverage rates in Florida, at $130 per month.
Keep in mind that car insurance rates vary based on factors like your age, deductible, and coverage needs. Adding optional coverages like gap insurance, uninsured motorist coverage, rideshare coverage, and roadside assistance can also increase your premiums.
Sources
- Florida Department of Highway Safety and Motor Vehicles. "Crash Dashboard."
- Insurance Information Institute. "Do auto insurance premiums go up after a claim?."
- The 2025 Florida Statutes. "F.S. 626.9541Unfair methods of competition and unfair or deceptive acts or practices defined.."
- Census Reporter. "Florida."
Methodology
Insurify data scientists analyzed more than 190 million quotes served to car insurance applicants in Insurify’s proprietary database to calculate the premium averages displayed on this page. These premiums are real quotes that come directly from Insurify’s 500+ partner insurance companies in all 50 states and Washington, D.C. Quote averages represent the median price for a quote across the given coverage level, driver subset, and geographic area.
Unless otherwise specified, quoted rates reflect the average cost for drivers between 20 and 70 years old with a clean driving record and average or better credit (a credit score of 600 or higher).
Liability-only premium averages correspond to policies with the following coverage limits:
- Bodily injury limits between state-minimum rates and $50,000 per person, $100,000 per accident
- Property damage limits between $10,000 and $50,000
- No additional coverage
- Comprehensive coverage with a $1,000 deductible
- Collision coverage with a $1,000 deductible
Quotes for Allstate, Farmers, GEICO, State Farm, and USAA are estimates based on Quadrant Information Services’ database of auto insurance rates.
)
Jessica MartelInsurance Writer
7+ years in personal finance writing
Certified Financial Education Instructor
MacKenzie KorrisLicensed P&C Agent, Insurance Copy Editor
Licensed property and casualty insurance agent
10+ years editing experience
NPN: 21630969
John LeachLicensed P&C Agent, Chief Copy Editor
Licensed property and casualty insurance agent
10+ years editing experience
NPN: 20461358
Featured in