Best Car Insurance for Drivers With
Bad Credit in Florida

With a warm, tropical climate and lots of beaches to enjoy, Florida is the ultimate vacation getaway. But if you call Florida home, will a bad credit score bring down your mood as you shop for car insurance?

Unfortunately, a less-than-stellar credit score may make it harder for you to find cheap car insurance in Florida. While credit score isn't the only factor that goes into determining your rates, Florida is one of many states that lets auto insurance companies take your credit history into account when deciding how much to charge you.

In Florida, car insurance companies are allowed to take a look at your credit score before setting your car insurance rate. So in most cases, you will undergo a credit check as you shop for car insurance in Florida.

But if you have a bad credit score, you still have some options. You could seek out a car insurance company that advertises no credit checks—though keep in mind they may inflate their prices as a result. Or you could seek out a major car insurance carrier like GEICO that has been known to offer reasonable rates for those with poor credit.

GAINSCO, Bristol West, and Direct Auto each provide affordable car insurance to Floridians with low credit. If you're a high-risk driver in other ways, you'll want to check out Dairyland and Mercury as affordable options.

Florida is full of colorful cities, each with its own identity. But how will the city you call home affect your car insurance rates if you have bad credit? In general, Miami is the most expensive city for drivers with bad credit, while Jacksonville in the northern part of the state has more affordable rates.