Cheap Car Insurance for High-Risk Drivers in Florida:
Costs and Quotes (2022)

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Last Updated: January 2022

Cheapest Insurance Companies for High Risk Drivers in Florida (2022)

For drivers that are high-risk 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 after this incident will allow you to get the best possible insurance rate for drivers that are high-risk.

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 high-risk drivers in Florida.

What Makes a Driver High-Risk in Florida?

If you've ever seen a driver swerving in front of you or seen someone fly past a red light, you've seen a high-risk driver on display. In the insurance industry, high-risk drivers are those voted "most likely to make a claim."

High-risk drivers include those with DUIs and people found at fault for an accident. Statistically speaking, these drivers are at the top of this list for costing insurance companies money. In turn, insurance companies make up their money by increasing a motorist's rates after a high-risk event.

Florida Car Insurance Rates for High-Risk Drivers
Average Monthly Cost
$302
$337
$384
$375
$321
No ViolationSpeeding TicketAt-Fault AccidentReckless DrivingFailure to Stop
Driving History

Insurify's comparison tool will help you make sure you're getting the best possible quote even after high risk driving violation. 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 High-Risk Driving Affect Car Insurance Rates in Florida?

Not everyone follows the rules of the road in the Sunshine State. Insurance companies in Florida view iffy behavior like getting a speeding ticket, having an at-fault accident, or failing to stop at a red light as high-risk.

Once an insurance company gets wind of these activities, rates for these high-risk motorists go up. Some people with repeat offenses even find it harder and harder to get covered at all. Insurance companies also label having DUIs and driving with a suspended license as high-risk behavior. Check out much Florida drivers pay for car insurance on average, based on their driving history.

Driving History
No Violation$302
Speeding Ticket$337
At-Fault Accident$384
Reckless Driving$375
Failure to Stop$321

How Much Does a Speeding Ticket Impact Car Insurance Rates in Florida?

No one wants to get to work late, but being dinged with a speeding ticket comes with its own set of complications. Florida drivers who ignore speed limit laws can expect to see a $35 increase in the amount of their monthly payment. The average monthly rate paid by a Florida motorist with the need for speed is $337.

$302
$337
No Violation - Avg. Monthly RateSpeeding ticket - Avg. Monthly Rate
$35 ▴Avg. Monthly Rate Increase

How Does an at-Fault Accident Impact Insurance Rates in Florida?

An at-fault accident is one of the costlier high-risk behaviors for Floridian car insurers. Motorists with an at-fault on their record find that rates for even a fender bender increase significantly. On average, the premium for Florida drivers dinged with an at-fault accident is $384—an increase of $82 over the clean-record crowd.

$302
$384
No Violation - Avg. Monthly RateSpeeding ticket - Avg. Monthly Rate
$82 ▴Avg. Monthly Rate Increase

How Much Does Failure to Stop for a Red Light or Stop Sign Impact Car Insurance Rates in Florida?

Though running a red light in Florida could result in catastrophe, the insurance impact of being ticketed is comparatively low when considered alongside other high-risk activities. Most Florida motorists see an average increase of $19 per month. But remember: your new rate will stick around for several more years.

$302
$321
No Violation - Avg. Monthly RateSpeeding ticket - Avg. Monthly Rate
$19 ▴Avg. Monthly Rate Increase

Does Driving With a Suspended License Impact Car Insurance Rates in Florida?

If you've ever seen a driver swerving in front of you or seen someone fly past a red light, you've seen a high-risk driver on display. In the insurance industry, high-risk drivers are those voted "most likely to make a claim."

High-risk drivers include those with DUIs and people found at fault for an accident. Statistically speaking, these drivers are at the top of this list for costing insurance companies money. In turn, insurance companies make up their money by increasing a motorist's rates after a high-risk event.

Tips for Researching High-Risk Florida Car Insurance Rates

Insurance prices and policies can vary significantly between companies, and a large and growing state like Florida draws a wide variety of choices when factoring high-risk driving insurance rates.

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.

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FAQs - Florida Car Insurance

Why is car insurance so expensive in Florida?

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.

Do car insurance rates vary by county in Florida?

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.

Which providers have the best auto insurance ratings in Florida?

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.

How much do annual auto insurance rates increase in Florida?

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.

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.