Cheap Car Insurance for Bad Credit Drivers in Florida:
Costs and Quotes (2021)
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Cheapest Companies for Drivers With Bad Credit in Florida (2021)
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 | |
|---|---|
 GAINSCO | $222/mo |
 Bristol West | $239/mo |
 Direct Auto | $256/mo |
 Pronto Insurance | $260/mo |
 Safeco Insurance | $267/mo |
 AssuranceAmerica | $281/mo |
 Travelers | $291/mo |
 The General | $328/mo |
 Dairyland Insurance | $336/mo |
 Liberty Mutual | $353/mo |
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.
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.
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 | |
|---|---|
| Excellent | $267 |
| Good | $298 |
| Average | $300 |
| Poor | $325 |
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 | |
|---|---|---|
| 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.
Insurify Rate Comparison Methodology
The car insurance quotes, statistics, and data visualizations on this page are derived from Insurify’s proprietary database of over 4 million car insurance applications from ZIP codes across the United States. Insurify’s data science team performs a comprehensive analysis of the various factors car insurance providers take into account while setting rates to provide readers insight into how car insurance quotes are priced.
