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Florida Car Insurance for Bad Credit Drivers
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Edited by John Leach | Reviewed by licensed insurance agent, Janeth Lopez
Last Updated March 9, 2022
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Cheapest Companies for Drivers With Bad Credit in Florida (2022)
For drivers with bad credit in Florida, it's important that you evaluate all of your potential insurance options to ensure you are finding the best rate. Comparing the right insurance companies will allow you to get the best possible insurance rate for drivers with bad credit.
To simplify comparing companies, Insurify has analyzed rates from top insurance providers in Florida. The following are the best insurance rates from carriers that offer car insurance for drivers with bad credit in Florida.
| Carrier | Avg. Monthly Cost |
|---|---|
| GAINSCO | $222 |
| Bristol West | $239 |
| Direct Auto | $256 |
| Pronto Insurance | $260 |
| Safeco Insurance | $267 |
| AssuranceAmerica | $281 |
| Travelers | $291 |
| The General | $328 |
| Dairyland Insurance | $336 |
| Liberty Mutual | $353 |
Bad Credit Car Insurance 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.
Florida Car Insurance Rates for Bad Credit Drivers
Excellent$267
Good$298
Average$300
Poor$325
Insurify's comparison tool will help you make sure you're getting the best possible quote even with a bad credit rating. You can have peace of mind you're not paying any more than need to, and customers save $48 per month on average.
How Much Does Bad Credit Impact Car Insurance Rates in Florida?
Drivers in Florida with bad credit pay about 17 percent more for car insurance on average than drivers with a good credit score.
In general, Florida's car insurance rates are on the pricier end, which means adding bad credit (and another $50 per month) to your car insurance rate can put a major dent in your wallet.
Avg. Monthly Cost - for Drivers with Good Credit$295
Avg. Monthly Cost - for Drivers with Bad Credit$344
$49 ▴
16.61% ▴
Monthly Impact of Bad Credit on Rates
Percent Bad Credit Impact Rates
Can I Get Car Insurance With No Credit Check in Florida?
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.
Florida Car Insurance Rates by Credit Tier
In Florida, average car insurance costs correlate pretty closely with credit tier. Those with excellent credit pay the least on average, at $267 per month. Meanwhile, those with poor credit pay nearly $60 more for car insurance on average, at $325 per month.
| Credit Tier | Avg. Monthly Cost |
|---|---|
| Excellent | $267 |
| Good | $298 |
| Average | $300 |
| Poor | $325 |
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Car Insurance Rates With Bad Credit in Florida Cities
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.
| City | Credit Tier | Avg. Monthly Cost |
|---|---|---|
| Orlando | Poor | $341 |
| Jacksonville | Poor | $307 |
| Tampa | Poor | $431 |
| Miami | Poor | $484 |
| Kissimmee | Poor | $346 |
| Fort Lauderdale | Poor | $387 |
Tips for Researching Bad Credit Florida Car Insurance Rates
Insurance prices and policies can vary significantly between companies, and a state like Florida draws a wide variety of choices when factoring insurance rates for drivers with bad credit.
Insurify's rate comparison tool will help you make sure you're getting the best possible quote based on your needs and location. You can have peace of mind you're not paying any more than you need to, and customers save $585 per year on average.
Compare Top Auto Insurance Companies
Use Insurify for all of your car insurance comparison needs! Compare and connect directly with the top insurance companies to find the best rates as well as the most personalized discounts and coverage options. Insurify’s network includes over 200 insurance companies throughout the U.S. who can work with you to get you the right auto insurance policy at the cheapest price. See All Auto Insurance Companies
FAQs - Florida Car Insurance
There are many different factors that go into the how expensive your car insurance is. That said, some of the reasons why you could be paying so much for your insurance include: living in a state with high minimum insurance requirements, being a young or new driver, committing past traffic offenses like at-fault accidents or DUIs, and having a low credit score.
Auto insurance costs will vary between locations and insurance carriers, depending on the county Florida. Insurify analyzed the latest data for the five most populous cities in Florida to find you the cheapest quotes in each of these metropolitan areas.
The way to find the carrier with the best auto insurance ratings in Florida and save on your insurance premiums is to compare quotes from all companies in your area. Use a car insurance quotes comparison site like Insurify to compare up to 10+ real quotes for your specific driver profile and unlock savings and discounts. Rates can fluctuate greatly based on whether you're a safe driver or a high risk one, but you should never overpay. Insurify provides the cheapest car insurance quotes and companies in your area in just a few seconds.
During the past three years in the United States, national premium costs have risen an average of 4.5 percent annually. In states where quotes have risen, this figure has been 7.8 percent; and in those where rates have fallen, prices have decreased by approximately 6.0 percent. Individual rates by state will of course vary depending on the driver’s history and a multitude of factors.
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Methodology
The car insurance quotes displayed are based on an analysis of Insurify’s database of over 40 million quotes from 500 ZIP codes nationwide. To obtain representative rates, Insurify’s data science team performs frequent comprehensive analyses of the factors car insurance providers weigh to calculate rates including driver demographics, driving record, credit score, desired coverage level, and more.
Insurify’s analysis also incorporates the Insurify Composite Score (ICS) assigned to each insurance provider. The ICS is a proprietary rating that weighs multiple factors reflecting the quality, reliability, and health of an insurance company. Ratings used to calculate the ICS include Financial Strength Ratings from A.M. Best, Standard & Poor’s, Moody’s, and Fitch; J.D. Power ratings; Consumer Reports customer satisfaction surveys and customer complaints; mobile app reviews; and user-generated company reviews.
With the above insights and ranking methods, Insurify is able to offer car insurance shoppers insight into how various insurance providers compare to one another in terms of both cost and quality. Note, actual quotes will vary based on unique attributes including the policyholder’s driver history and their garaging address.
Content Writer at Insurify
Mark Steinbach is a writer based in Brooklyn, NY. In addition to his years of work as a copywriter, he is also a TV writer with a degree in English from Harvard University. When he isn't writing, he can be found playing tennis or doing crossword puzzles.