Cheap Car Insurance in Florida With Bad Credit (2026)
Progressive has the cheapest car insurance in Florida for drivers with bad credit, with policies averaging $98 per month.
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Written byTimothy Moore
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Timothy MoorePersonal Finance and Insurance Freelance Writer
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Quick Facts
Florida insurers may use your credit-based insurance score when determining your rate for auto insurance.
The average monthly cost of car insurance in Florida for drivers with bad credit is $233.
To lower car insurance costs with average or poor credit in Florida, you can focus on paying down credit card debt and making on-time payments to establish a stronger credit history.
Cheapest car insurance in Florida for bad credit
Progressive has the cheapest car insurance in Florida for drivers with poor credit, with an average monthly liability insurance premium of $98.
The table below shows average monthly car insurance premiums for Florida drivers with bad credit from the state’s cheapest insurance companies.
The below rates in Florida are estimated rates current as of: Sunday, June 7 at 5:00 PM PDT.
Insurance Company  | Average Monthly Quote: Liability Only |
|---|---|
| Progressive | $98 |
| Mile Auto | $104 |
| Clearcover | $105 |
| GEICO | $114 |
| State Farm | $115 |
| Dairyland | $126 |
| Embark | $131 |
| Infinity | $137 |
| Mercury | $147 |
| Direct Auto | $147 |
| GAINSCO | $148 |
| The General | $157 |
| Bristol West | $168 |
| AssuranceAmerica | $172 |
| Allstate | $173 |
| National General | $177 |
| Root | $190 |
| Insurify Car | $204 |
| Travelers | $205 |
| Hugo | $250 |
| Liberty Mutual | $273 |
| Mendota | $280 |
| First Acceptance | $285 |
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.
Shop for Cheap Florida Car Insurance
Average liability quotes for drivers with bad credit start at $98 per month
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Average Florida car insurance rates by credit tier
In Florida, your credit tier can affect how much you pay for car insurance. On average, drivers with bad credit pay roughly 36% more than drivers with excellent credit in the Sunshine State.
The U.S. average monthly auto insurance premium with bad credit is $173. In Florida, the average premium for the same driver profile is $231 per month, which is 29% more expensive than the national average.
Below, you can see how the overall average car insurance costs in Florida and nationwide vary by credit tier.
Credit Tier | Florida Average | National Average |
|---|---|---|
| Excellent credit | $170 | $124 |
| Good credit | $176 | $136 |
| Average credit | $193 | $148 |
| Poor credit | $231 | $173 |
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 credit affects car insurance rates in Florida
In Florida, auto insurance companies can use your credit-based insurance score to help determine if you qualify for coverage and at what rate.[1]
Your credit-based insurance score is an indicator of your likelihood of filing a claim. This is useful information for insurers because they want to avoid higher loss ratios. The lower your score, the more likely you are to submit an insurance claim, according to the Insurance Information Institute.
That said, Florida insurance laws limit how insurers can use your credit history. For instance, insurance companies can’t make adverse coverage decisions solely based on your insurance score, and insurers must notify you that they’re requesting a credit report for underwriting.
Traditional credit scores and credit-based insurance scores are similar, but the factors that affect each score are weighted slightly differently, and insurers can only use the latter when setting auto insurance rates.
The credit-based insurance score is one aspect of what affects your premiums. Florida insurance companies rely on several other factors when qualifying you for car insurance and determining your rate, including your ZIP code, age, vehicle, and driving record, such as whether you have any past at-fault accidents.
How to get cheaper Florida car insurance with bad credit
Making on-time payments and reducing your debt can benefit your credit-based insurance score in the long run, but improving your credit history takes time.
Even if you have bad credit, you can find faster ways to lower your insurance costs in Florida, including the following:
Routinely shop for coverage. Get quotes from at least three insurers once or twice per year to see if you can save money by switching. Make sure you analyze policies with the same deductibles and coverage limits for a true price comparison.
Opt for a higher deductible. Higher deductibles result in lower car insurance premiums, but they also mean you’ll pay more out of pocket before coverage kicks in for a claim.
Bundle with renters or homeowners insurance. Many insurers offer bundling discounts of up to 15% or even 25% when you bundle two or more insurance products, like your auto insurance policy with your homeowners or renters insurance.
Ask your insurance agent about discounts. Many insurers offer car insurance discounts for automatic payments, paperless payment history, a claims-free driving history, safe driving habits, and completion of a defensive driving course.
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Do insurers consider bad credit ‘high-risk’ in Florida?
Bad credit is one of many factors that can make you “high-risk” for car insurance coverage in Florida. Other factors that increase your risk to insurers include a poor driving record, a short driving history, or even owning a high-performance car.
Florida insurers will also consider you a high-risk driver if you have to maintain an SR-22 for serious driving offenses or an FR-44 for a driving under the influence (DUI) conviction, which increases minimum coverage requirements.[2] The overall average monthly cost of coverage in Florida is $222 for drivers with an SR-22, $231 with bad credit, and $242 with a DUI.
Best car insurance in Florida for drivers with bad credit
The best car insurance companies for drivers with bad credit in Florida include Progressive, Mile Auto, and GEICO. Learn more about each insurer’s coverage offerings below.
Progressive: Best for affordability
| JD Power J.D. Power data measures overall customer satisfaction and claims satisfaction based on a 1,000-point scale. | 587 |
|---|---|
| IQ Score The Insurify Quality (IQ) Score uses more than 15 criteria to objectively rate insurance companies on a one-to-ten scale. The Insurify editorial team researches insurer data to determine the final scores. | 8.7 /10 |
| Liability Only Liability-only insurance, sometimes called minimum-coverage insurance, pays for bodily injury and property damage to others in an accident the policyholder causes. It does not pay for the insured’s own damages. | $78/mo |
| Full Coverage Full-coverage car insurance generally includes liability, collision, and comprehensive coverage, and may include other optional coverages such as uninsured motorist coverage. Collision covers a policyholder’s repair or replacement costs in case of an accident. Comprehensive covers damages caused by non-accident events. The average quote displayed here reflects policies with the following coverage limits: $50,000 bodily injury liability per person; $100,000 bodily injury liability per accident; $50,00 property damage liability per accident; $1,000 collision deductible; and a $1,000 comprehensive deductible. | $140/mo |
How drivers feel about Progressive
Customers appreciate the insurer’s good customer service and initial affordability but dislike the consistent price increases and complex claims process.
Based on analysis of verified reviews collected by Insurify
Best in Florida for
Showing 75 reviews from Florida driversSee all 8,599 Progressive reviews
Verified Review
Reviewed in Florida on June 5, 2026
Great company so far. I had State Farm before, but they kept increasing the price. It's better now.
Verified Review
Reviewed in Florida on June 5, 2026
Very good, no problems.
Verified Review
Reviewed in Florida on June 4, 2026
Progressive has been very good during the past three years that I have had auto and home coverage with them. I opted to stay with them when no other company could compete with their policy premium.
…
NAIC Index
Average amount of customer complaints relative to competitors on a 0-5 scale. A lower score represents fewer complaints.
0.97
A.M. Best
A.M. Best analyzes an insurer’s financials, operating performance, business profile, and other factors to generate an opinion-based rating of a company’s financial and credit strength. Ratings range from A++ (exceptional) to D (poor).
A+
Why we picked this company
Progressive is the best car insurance company for affordable car insurance with bad credit in Florida. On average, a full-coverage car insurance policy from Progressive for Florida drivers with bad credit costs much less than the Florida average.
Appealing discounts, including a multi-policy discount for bundling home and auto in Florida and a safe driver discount, can make Progressive even more affordable.
Pros
Among the cheapest rates for bad credit in Florida
Multi-policy discount of 25% or more for new customers
No consumer complaints filed with the National Association of Insurance Commissioners (NAIC) in 2025
Cons
Below-average J.D. Power rating for claims satisfaction
Low customer satisfaction rating on Trustpilot
Mile Auto: Best for low-mileage drivers
| User Reviews | 4.5 |
|---|---|
| IQ Score The Insurify Quality (IQ) Score uses more than 15 criteria to objectively rate insurance companies on a one-to-ten scale. The Insurify editorial team researches insurer data to determine the final scores. | 8.8 /10 |
| Liability Only Liability-only insurance, sometimes called minimum-coverage insurance, pays for bodily injury and property damage to others in an accident the policyholder causes. It does not pay for the insured’s own damages. | $84/mo |
| Full Coverage Full-coverage car insurance generally includes liability, collision, and comprehensive coverage, and may include other optional coverages such as uninsured motorist coverage. Collision covers a policyholder’s repair or replacement costs in case of an accident. Comprehensive covers damages caused by non-accident events. The average quote displayed here reflects policies with the following coverage limits: $50,000 bodily injury liability per person; $100,000 bodily injury liability per accident; $50,00 property damage liability per accident; $1,000 collision deductible; and a $1,000 comprehensive deductible. | $157/mo |
4.5
Best choice in FloridaBased on 205 verified driver reviews and ratings
Mile Auto's score | Industry average | |
|---|---|---|
| Coverage options | 4.0 | 3.2 |
| Customer service | 3.4 | 3.6 |
| Discounts | 4.0 | 2.9 |
| Policy transparency | 3.9 | 3.1 |
| Value | 4.1 | 2.9 |
How drivers feel about Mile Auto
Drivers appreciate the quality service but find the rates high and claim processing slow.
Based on analysis of verified reviews collected by Insurify
Best in Florida for
Showing recent national reviewsSee all 69 Mile Auto reviews
Verified Purchase
Reviewed in Georgia on June 6, 2026
Overall, I had a good experience and saved money.
Verified Purchase
Reviewed in Tennessee on May 6, 2026
I just wish they would send me an actual insurance card and my policy info in the mail, not just email, because I have no way to print it.
Verified Purchase
Reviewed in Georgia on April 16, 2026
This is great for keeping your insurance costs down if you don't drive much. Leave yourself a little room when it asks for average miles per day, as we all have unexpected journeys from time to time. I've not had a problem with sending pictures or making payments online.
…
JD Power
J.D. Power data measures overall customer satisfaction and claims satisfaction based on a 1,000-point scale.
Not rated
NAIC Index
Average amount of customer complaints relative to competitors on a 0-5 scale. A lower score represents fewer complaints.
2.18
A.M. Best
A.M. Best analyzes an insurer’s financials, operating performance, business profile, and other factors to generate an opinion-based rating of a company’s financial and credit strength. Ratings range from A++ (exceptional) to D (poor).
NR
Why we picked this company
Mile Auto is the best car insurance for Florida drivers with lower credit histories who drive infrequently. This insurer uses a pay-per-mile system, with a monthly base rate plus a per-mile rate, so the less you drive, the less you pay. Florida is one of the eight states in which Mile Auto currently offers coverage.
Mile Auto’s format is especially ideal for Florida’s senior drivers, who typically drive fewer miles than drivers in other age groups. In Florida, people 65 and older make up nearly 22% of the population, compared to the overall U.S. average of 18%.
Pros
Notable savings for infrequent drivers
Full coverage available
Positive customer reviews on Trustpilot
Cons
No car insurance discounts
Policies underwritten by a separate insurer
Not ideal for high mileage
GEICO: Best for young drivers
| User Reviews | 4.0 |
|---|---|
| IQ Score The Insurify Quality (IQ) Score uses more than 15 criteria to objectively rate insurance companies on a one-to-ten scale. The Insurify editorial team researches insurer data to determine the final scores. | 9.2 /10 |
| Liability Only Liability-only insurance, sometimes called minimum-coverage insurance, pays for bodily injury and property damage to others in an accident the policyholder causes. It does not pay for the insured’s own damages. | $92/mo |
| Full Coverage Full-coverage car insurance generally includes liability, collision, and comprehensive coverage, and may include other optional coverages such as uninsured motorist coverage. Collision covers a policyholder’s repair or replacement costs in case of an accident. Comprehensive covers damages caused by non-accident events. The average quote displayed here reflects policies with the following coverage limits: $50,000 bodily injury liability per person; $100,000 bodily injury liability per accident; $50,00 property damage liability per accident; $1,000 collision deductible; and a $1,000 comprehensive deductible. | $186/mo |
4.0
Best choice in FloridaBased on 18,733 verified driver reviews and ratings
GEICO's score | Industry average | |
|---|---|---|
| Coverage options | 4.0 | 3.2 |
| Customer service | 4.1 | 3.6 |
| Discounts | 3.9 | 2.9 |
| Policy transparency | 3.9 | 3.1 |
| Value | 3.8 | 2.9 |
How drivers feel about GEICO
Customers appreciate the reliability and customer service but find the rates to be high and increase frequently, even without claims or accidents. The app has improved, but some find the claims process lacking.
Based on analysis of verified reviews collected by Insurify
Best in Florida for
Showing 75 reviews from Florida driversSee all 7,809 GEICO reviews
Verified Review
Reviewed in Florida on June 13, 2026
After 20 years with Geico, I never received a discount offer. But I feel secure and protected with the company!
Verified Review
Reviewed in Florida on June 12, 2026
I'm paying $404 monthly for insurance, and they say they're going by my credit score. I've never heard of that, but this will probably be my last time with GEICO.
Verified Review
Reviewed in Florida on June 11, 2026
Price is way too high compared to other companies.
…
JD Power
J.D. Power data measures overall customer satisfaction and claims satisfaction based on a 1,000-point scale.
629
NAIC Index
Average amount of customer complaints relative to competitors on a 0-5 scale. A lower score represents fewer complaints.
0.59
A.M. Best
A.M. Best analyzes an insurer’s financials, operating performance, business profile, and other factors to generate an opinion-based rating of a company’s financial and credit strength. Ratings range from A++ (exceptional) to D (poor).
A++
Why we picked this company
GEICO is one of the best car insurance companies for young drivers in Florida with bad credit. Although teen drivers and drivers in their 20s generally pay higher rates, GEICO offers helpful student driver discounts and discounts for various colleges, universities, and student organizations to keep premiums down.
While Florida may have a larger-than-average senior population, it’s also popular with students. Seven of the 50 largest colleges by student population are in Florida.
Pros
Multiple student discounts
Low rates for drivers with bad credit
AM Best financial strength rating of A++ (Superior)
Cons
High number of NAIC complaints from Florida drivers in 2025
Above-average number of complaints with the NAIC overall
Below-average rating for claims satisfaction in J.D. Power Study
Our editorial team analyzed regional and national auto insurance companies that sell policies in Florida to assess which offer the best rates, coverage options, customer service, and savings to drivers with a low credit score. We prioritized competitive rates, 24/7 customer service, low-mileage discounts or programs, safe driving discounts, homeownership discounts or bundling options, and specialty or supplemental coverages.
Florida car insurance with bad credit FAQs
Learn more about finding car insurance in Florida with bad credit by reading answers to common questions below.
Does Florida check your credit score for car insurance?
Yes. Florida insurers can legally consider your credit-based insurance score when determining your premium. That said, Florida law has established guardrails for this process. For instance, insurers can’t make adverse coverage decisions based exclusively on your credit-based insurance score.
Insurance companies also consider other factors when setting rates, such as your age, your vehicle, and your driving record. Having a clean driving record and a good or excellent credit history will help you qualify for lower rates.
What is the 90-day rule for auto insurance in Florida?
Florida requires anyone with a car in the state for more than 90 days in a 365-day period to purchase property damage liability insurance and personal injury protection (PIP).[3] The 90 days don’t have to be consecutive.
Can you get car insurance with poor credit in Florida?
Yes. You can get car insurance with poor credit in Florida, but you may face higher premiums than if you had good or excellent credit. On average, the cost of car insurance for drivers with poor credit in Florida is $293 per month for full coverage, compared to $215 for Floridians with excellent credit.
You should get car insurance quotes from multiple companies to find the lowest auto insurance rates for your needs and driver profile.
Sources
- The Florida Legislature. "The 2025 Florida Statutes."
- State of Florida Department of Highway Safety and Motor Vehicles. "Increased BIL/PDL Limits for DUI Cases."
- Florida Department of Financial Services. "Automobile Insurance Toolkit."
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.
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State Farm is the cheapest car insurance company in Miami, with monthly liability rates of $100. King Tides can cause street flooding even on clear days, which keeps comprehensive claims and Miami auto premiums high.
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Timothy MoorePersonal Finance and Insurance Freelance Writer
Katie PowersLicensed P&C Agent, Senior Insurance Editor
Licensed auto and home insurance agent
4+ years experience in insurance and personal finance editing
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John LeachLicensed P&C Agent, Chief Copy Editor
Licensed property and casualty insurance agent
10+ years editing experience
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