Car Insurance for High-Risk Drivers in Florida (2024)

High-risk drivers in Florida face high auto insurance premiums. Here’s how to find affordable coverage while lowering your risk factors.

Emily Guy Birken
Emily Guy Birken
  • Plutus Award winner

  • 12+ years writing about insurance and personal finance

Emily is a widely recognized expert on personal finance and has authored several personal finance books. She’s a frequent guest on national and regional media.

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Ashley Cox
Edited byAshley Cox
Headshot of Managing Editor Ashley Cox
Ashley CoxSenior Managing Editor
  • 7+ years in content creation and management

  • 5+ years in insurance and personal finance content

Ashley is a seasoned personal finance editor who’s produced a variety of digital content, including insurance, credit cards, mortgages, and consumer lending products.

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Shawn Powers
Reviewed byShawn Powers
Headshot of licensed insurance agent Shawn Powers.
Shawn PowersVP of Insurance Sales at Insurify
  • Licensed insurance agent for 25+ years

  • 15 years as VP of Sales and Operations at Answer Financial

Licensed in more than 40 states, Shawn leverages his deep industry expertise to support the accuracy and trustworthiness of Insurify’s content.

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Updated November 28, 2024

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Cheapest recent rates in Florida for drivers with a traffic citation

Drivers using Insurify have found quotes as cheap as $61/mo for liability only and $89/mo for full coverage in Florida.

*Quotes generated for Insurify users from Florida within the last 10 days. Last updated on November 28, 2024. Actual quotes may vary based on the policy buyer’s unique driver profile.

Rates shown are real-time Insurify user quotes from 100+ insurance companies and Quadrant Information Services data. Insurify’s algorithm excludes anomalous quotes and anonymizes personal details, then displays refined quotes by price, date, and insurer popularity up to 10 days ago from November 28, 2024. Actual quotes may vary based on the policy buyer’s unique driver profile.

*Quotes generated for Insurify users from Florida within the last 10 days. Last updated on November 28, 2024. Actual quotes may vary based on the policy buyer’s unique driver profile.

Rates shown are real-time Insurify user quotes from 100+ insurance companies and Quadrant Information Services data. Insurify’s algorithm excludes anomalous quotes and anonymizes personal details, then displays refined quotes by price, date, and insurer popularity up to 10 days ago from November 28, 2024. Actual quotes may vary based on the policy buyer’s unique driver profile.

If you live in Florida and have incidents on your driving record — such as a speeding ticket, at-fault accident, or DUI — your insurance company may consider you to be a high-risk driver. You may also have a hard time finding affordable coverage because your insurance company will see you as more likely to file a claim, making you more of a risk to insure.

But it’s still important to maintain Florida’s minimum liability insurance requirements to stay legal on the road. Here’s what you need to know about finding high-risk car insurance in Florida.

Quick Facts
  • Car insurance costs for high-risk drivers vary greatly depending on several risk factors. Drivers who have caused accidents or received DUI citations will have higher costs than drivers with bad credit.

  • Florida drivers with a clean record pay an average of $157 per month for liability coverage, while drivers with an incident pay $184 per month, Insurify data shows.

  • Florida saw 479 alcohol-related crashes in March 2022, which resulted in 41 deaths and 41 serious injuries.[1]

Best auto insurance for high-risk drivers in Florida

Even though high-risk drivers pay more for car insurance than people with a clean driving record, insurance rates can still vary widely depending on the type of traffic violation you have (or how many violations you’ve incurred within a certain period of time).

The three insurers below are some of the best car insurance companies for high-risk drivers in the Sunshine State.

Best insurer for customer satisfaction: State Farm

User Reviews
4.2
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.
9.3 /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.
$68/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.
$83/mo
4.2
Best choiceBased on 9074 verified guest reviews and ratings
How drivers feel about State Farm

Drivers appreciate the helpful local agents and initial service but dislike the high prices and frequent rate increases.

AI-generated from the text of verified reviews collected by Insurify
Best For
Customer service
Competitive rates
Discounts for safe drivers
How drivers feel about State Farm

Drivers appreciate the helpful local agents and initial service but dislike the high prices and frequent rate increases.

AI-generated from the text of verified reviews collected by Insurify
Best For
Customer service
Competitive rates
Discounts for safe drivers
Reviews (4,989)

Mary

November 26, 2024

Verified Review

Life

It's just fine. However, like everything else, costs just keep going up. I'm looking for a way to save more as living paycheck to paycheck is not fun.

Robert

November 26, 2024

Verified Review

Claimed

State Farm helped me quickly when UPS totaled my motorcycle and paid it FAST.

Donald

November 26, 2024

Verified Review

No Bargains Here, Just Premium Increases

Way too expensive.
See all State Farm reviews
JD Power
J.D. Power data measures overall customer satisfaction and claims satisfaction based on a 1,000-point scale.
842
NAIC Index
Average amount of customer complaints relative to competitors on a 0-5 scale. A lower score represents fewer complaints.
0.78
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

State Farm is the largest car insurance company in the U.S. by market share, and J.D. Power consistently ranks it highly for customer and claims satisfaction in Florida. 

If you’re paying higher rates because of your driver status, you may be able to offset some of your premium costs with State Farm’s discount for taking a defensive driving course. And if you need an SR-22 in Florida, State Farm can file this form on your behalf.

Pros
  • Second-highest J.D. Power customer satisfaction rating in Florida

  • Offers several discounts

  • SR-22 filing available for high-risk drivers

Cons
  • Doesn’t offer accident forgiveness

  • Gap insurance not available

  • May not be the cheapest insurer for drivers with moving violations

Best insurer for discounts: GEICO

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.
9.0 /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.
$69/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.
$86/mo
4.0
Best choiceBased on 10302 verified guest reviews and ratings
How drivers feel about GEICO

Drivers appreciate the excellent customer service and initial low prices but dislike the frequent price increases.

AI-generated from the text of verified reviews collected by Insurify
Best For
Teen drivers
Cheap rates
Accident forgiveness
How drivers feel about GEICO

Drivers appreciate the excellent customer service and initial low prices but dislike the frequent price increases.

AI-generated from the text of verified reviews collected by Insurify
Best For
Teen drivers
Cheap rates
Accident forgiveness
Reviews (5,664)

Elijah

November 27, 2024

Verified Review

Disappointed

Although you may have a 6-month policy, your rates are subject to change monthly.

Vickie

November 27, 2024

Verified Review

Experience with Geico

I have been with Geico for quite a while and I believe if insurance can be cheaper, they should adjust their prices accordingly. Otherwise, I might consider switching to another company.

Douglas

November 26, 2024

Verified Review

Watch Out

Be careful. They increase the rates every six months.
See all GEICO reviews
JD Power
J.D. Power data measures overall customer satisfaction and claims satisfaction based on a 1,000-point scale.
835
NAIC Index
Average amount of customer complaints relative to competitors on a 0-5 scale. A lower score represents fewer complaints.
0.74
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

If you’re looking for ways to lower your car insurance rates as a high-risk driver in Florida, GEICO offers numerous discounts that could help you save. You could get a discount for having safety devices in your vehicle, using your seat belt, taking a defensive driving course, bundling multiple policies, and more. GEICO also offers SR-22 filing for high-risk drivers, which not all insurers offer.

Pros
  • SR-22 filing available for high-risk drivers

  • A++ (Superior) AM Best financial strength rating

  • Above-average J.D. Power customer satisfaction rating in Florida

Cons
  • Doesn’t offer new car replacement coverage

  • Rideshare insurance not available

  • Negative customer reviews on Trustpilot

Best insurer for young drivers: Allstate

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.
8.9 /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.
$117/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.
$145/mo
4.0
Best choiceBased on 5662 verified guest reviews and ratings
How drivers feel about Allstate

Drivers appreciate the initial pricing and overall service but dislike the frequent rate increases and misleading pricing tactics.

AI-generated from the text of verified reviews collected by Insurify
Best For
Accident forgiveness
Wide availability
Cheap rates
How drivers feel about Allstate

Drivers appreciate the initial pricing and overall service but dislike the frequent rate increases and misleading pricing tactics.

AI-generated from the text of verified reviews collected by Insurify
Best For
Accident forgiveness
Wide availability
Cheap rates
Reviews (3,078)

Debora

November 25, 2024

Verified Review

Very Expensive for Automobiles

The representative was very nice, but the automotive insurance is too high.

John

November 25, 2024

Verified Review

Good

I've never had a problem.

Lisa D

November 25, 2024

Verified Review

Need Lower Insurance

It's very pricey. They indicate one quote while you're trying to shop around, and then the pricing goes up after signing on.
See all Allstate reviews
JD Power
J.D. Power data measures overall customer satisfaction and claims satisfaction based on a 1,000-point scale.
833
NAIC Index
Average amount of customer complaints relative to competitors on a 0-5 scale. A lower score represents fewer complaints.
0.94
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

Teens and young drivers are statistically a higher risk on the road, and they already pay the highest car insurance rates out of any age group. If you’re a high-risk young driver in Florida, enrolling in Allstate’s Drivewise program could help you lower your rates for safe driving habits. The company also offers optional accident forgiveness coverage so that your rates won’t increase after an accident — even if you were found at fault.

Pros
  • Offers rideshare insurance

  • SR-22 filing available for high-risk drivers

  • Above-average J.D. Power customer satisfaction rating in Florida

Cons
  • If you’re enrolled in Drivewise and it detects unsafe driving habits, like speeding or hard braking, your car insurance rates could go up

  • May not have the cheapest insurance rates for young or high-risk drivers

  • Negative customer reviews on Trustpilot

  • To determine the best car insurance companies for high-risk drivers in Florida, we compared multiple factors, including coverage options, customer service reviews, customer claims satisfaction, discounts offered, and Insurify Quality Scores. We also considered whether a company offers SR-22 filing for high-risk drivers.

Cheapest car insurance for Florida drivers with an at-fault accident

Having an at-fault accident on your record means you were involved in a collision determined to be your fault. If you’re responsible for an accident, insurance companies will see you as a higher risk since you may be more likely to cause future collisions.

Florida’s no-fault insurance system doesn’t prevent this high-risk status. A no-fault state means each driver’s insurance company is responsible for paying for their client’s minor injuries and not those of the other party.

If you have an at-fault accident on your record in Florida, the following insurers have affordable rates for you to consider.

Insurance Company
Average Quote: Liability Only
Average Quote: Full Coverage
State Farm$187$184
GEICO$192$189
Travelers$305$350
Allstate$326$320
Progressive$345$464
Safeco$325$393
Liberty Mutual$448$545
Mercury$473$456
The General$692$1,483
Direct Auto$395$406
Bristol West$569$715
Disclaimer: Table data sourced from real-time quotes from Insurify's 50-plus partner insurance providers and quote estimates from Quadrant Information Services. Actual quotes may vary based on the policy buyer's unique driver profile.

Cheapest car insurance for Florida drivers with a DUI

Florida imposes fines starting at $500 for the first DUI offense and increasing with each offense to a maximum of no less than $2,000 for a fourth offense.[2]

Drivers convicted of DUI may also face prison time, depending on the circumstances of the offense. Insurance companies consider drivers with a DUI conviction to be high risk.

Here are several insurers that offer policies to high-risk drivers with a DUI in Florida.

Insurance Company
Average Quote: Liability Only
Average Quote: Full Coverage
State Farm$261$257
GEICO$267$263
Travelers$424$488
Allstate$454$446
Progressive$480$647
Safeco$452$547
Liberty Mutual$623$758
Mercury$659$635
The General$963$2,064
Direct Auto$549$565
Bristol West$792$995
Disclaimer: Table data sourced from real-time quotes from Insurify's 50-plus partner insurance providers and quote estimates from Quadrant Information Services. Actual quotes may vary based on the policy buyer's unique driver profile.

Cheapest car insurance for Florida drivers with a speeding ticket

Speeding can seem like a relatively low-risk activity to shorten your commute, but it’s a dangerous driving habit. This is why Florida levies fines starting at $25 for drivers exceeding the speed limit by six to nine miles per hour, all the way up to $250 for going 30 mph faster than the posted maximum speed. Each county also imposes civil penalties and surcharges for speeding within its borders.

You can also expect your insurer to potentially increase your rates, based on the severity of your speeding violation.

The following insurers offer policies to high-risk Florida drivers with speeding tickets.

Insurance Company
Average Quote: Liability Only
Average Quote: Full Coverage
State Farm$176$173
GEICO$180$177
Travelers$285$328
Allstate$306$300
Progressive$323$436
Safeco$304$369
Liberty Mutual$419$511
Mercury$444$427
The General$649$1,390
Direct Auto$370$381
Bristol West$533$670
Disclaimer: Table data sourced from real-time quotes from Insurify's 50-plus partner insurance providers and quote estimates from Quadrant Information Services. Actual quotes may vary based on the policy buyer's unique driver profile.

Cheapest car insurance for Florida drivers with poor credit

Unfortunately, having poor credit can affect your insurance risk level. Even though your ability to drive may seem completely divorced from your ability to manage your finances and credit, many insurers determine that drivers with bad credit are more likely to file auto insurance claims. For that reason, having bad credit can classify you as a high-risk driver.

The following insurers offer lower-cost policies to high-risk Florida drivers with poor credit. Here are their average monthly costs for liability-only coverage:

Insurance Company
Average Monthly Quote
State Farm$203
GEICO$208
Travelers$330
Safeco$352
Allstate$353
Progressive$374
Direct Auto$428
Liberty Mutual$485
Mercury$513
Bristol West$617
The General$750
Disclaimer: Table data sourced from real-time quotes from Insurify's 50-plus partner insurance providers and quote estimates from Quadrant Information Services. Actual quotes may vary based on the policy buyer's unique driver profile.

Find Car Insurance in Florida for High-Risk Drivers

Monthly liability rates start at $79 for drivers with an incident

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How to improve your driving record and lower your car insurance rates in Florida

In addition to looking for an affordable car insurance policy as a high-risk driver, you can also work on lowering your insurance costs by improving your driving record. You can reduce your high-risk status in a number of ways:[3]

  • illustration card https://a.storyblok.com/f/162273/150x150/b105bebbec/car-and-driving-96x96-gold_023-driving-test.svg

    1. Drive safely

    It sounds simple, but one of the best long-term ways to reduce your risk status and lower your insurance costs is by committing to driving safely. That means obeying posted speed limits, eliminating distractions, remaining calm, and maintaining a sense of situational awareness. This won’t have an immediate effect on your driving risk status, but it’ll pay off greatly in the long run.

  • illustration card https://a.storyblok.com/f/162273/x/ba9869f2f9/defensive-driving.svg

    2. Take a defensive driving course

    Defensive driving courses can not only help reduce the cost of your auto insurance, but they may also help you avoid getting points added to your license, depending on the infraction.

  • illustration card https://a.storyblok.com/f/162273/150x150/5df3e926ce/law-and-justice-96x96-orange_024-law-book.svg

    3. Seek legal counsel

    Hiring a reputable lawyer to represent you after you receive a traffic violation may help reduce the number of points on your license or reduce other factors that could increase your risk status and insurance costs.

  • illustration card https://a.storyblok.com/f/162273/150x150/534f1a1e1c/banking-96x96-green_007-calendar.svg

    4. Build and maintain good credit

    Poor credit can increase your driver risk level, so working to improve your credit can help lower your insurance costs over time. To improve your credit, make sure you pay all your bills on time and lower your debt-to-income ratio. As with committing to safe driving, this process won’t be immediate, but it’ll have long-term benefits.

Florida high-risk drivers insurance FAQs

Figuring out how to afford auto insurance in Florida if you’re a high-risk driver can be challenging. The information below can help as you’re researching your coverage options.

  • Which drivers are considered high-risk in Florida?

    Insurance companies in Florida consider drivers with the following characteristics to be high-risk:

    • History of traffic violations and tickets

    • History of accidents and insurance claims

    • Low credit score

    • Youth and lack of driving experience

    • Advanced age

    • Owning a vintage or super-powered car

    • Spending more time driving than average

  • How do auto insurance companies calculate risk in Florida?

    Insurance companies use a number of different factors to calculate a driver’s risk, including your credit history, age, marital status, whether you rent or own your home, driving history, and more.

  • What’s the cheapest insurance company for Florida high-risk drivers?

    State Farm is one of the cheapest insurance companies for high-risk drivers in Florida, with average monthly liability rates of $79.

  • Does Florida have assigned-risk car insurance?

    Yes. Florida provides assigned-risk car insurance through the Florida Automobile Joint Underwriting Association. This coverage is available to high-risk drivers who haven’t been able to find traditional car insurance.

  • What is SR-22 insurance in Florida?

    The state of Florida may require high-risk drivers to carry an SR-22 or FR-44 certificate after receiving a serious traffic violation. These certificates aren’t actually insurance — they prove that you meet Florida’s minimum car insurance requirements. 

    If you have an FR-44 requirement, you may need more than the minimum insurance coverage.

  • Which company provides the best car insurance in Florida?

    Allstate, GEICO, and State Farm are some of the best car insurance companies in Florida. J.D. Power rates them highly for customer and claims satisfaction, and they all have high Insurify Quality Scores. These insurance companies also offer SR-22 filing, which high-risk drivers in Florida may need, depending on the type of moving violation they have on their record.

Methodology

Insurify data scientists analyzed more than 90 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 50+ 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
Full-coverage premium averages correspond to the same bodily injury and property damage limits in addition to:
  • 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.

Sources

  1. Florida Department of Highway Safety and Motor Vehicles. "FLHSMV launches Never Drive Impaired campaign, discusses DUI dangers."
  2. Florida Department of Highway Safety and Motor Vehicles. "Florida DUI and Administrative Suspension Laws."
  3. Insurance Information Institute. "Nine ways to lower your auto insurance costs."
Emily Guy Birken
Emily Guy Birken

Emily Guy Birken is a former educator, lifelong money nerd, and a Plutus Award-winning freelance writer who specializes in the scientific research behind irrational money behaviors. Her background in education allows her to make complex financial topics relatable and easily understood by the layperson.

Her work has appeared on The Huffington Post, Business Insider, Kiplinger's, MSN Money, and The Washington Post online.

She is the author of several books, including The 5 Years Before You Retire, End Financial Stress Now, and the brand new book Stacked: Your Super Serious Guide to Modern Money Management, written with Joe Saul-Sehy.

Emily lives in Milwaukee with her family.

Ashley Cox
Edited byAshley CoxSenior Managing Editor
Headshot of Managing Editor Ashley Cox
Ashley CoxSenior Managing Editor
  • 7+ years in content creation and management

  • 5+ years in insurance and personal finance content

Ashley is a seasoned personal finance editor who’s produced a variety of digital content, including insurance, credit cards, mortgages, and consumer lending products.

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Shawn Powers
Reviewed byShawn PowersVP of Insurance Sales at Insurify
Headshot of licensed insurance agent Shawn Powers.
Shawn PowersVP of Insurance Sales at Insurify
  • Licensed insurance agent for 25+ years

  • 15 years as VP of Sales and Operations at Answer Financial

Licensed in more than 40 states, Shawn leverages his deep industry expertise to support the accuracy and trustworthiness of Insurify’s content.

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