How to Find the Best Car Insurance
for High Risk Drivers in Florida

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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
No Violation
$337
Speeding Ticket
$384
At-Fault Accident
$375
Reckless Driving
$321
Failure to Stop for Red Light / Stop Sign
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.

What Are the Best Car Insurance Companies for High-Risk Drivers in Florida?

Florida has a lot of options when it comes to finding quality car insurance as a high-risk driver. Yes, your rates will be higher than they were. The important thing is making sure you have coverage. Though prices range from $267 to $472, you can find some of the best car insurance companies for high-risk drivers in Florida below:

CarrierAvg. Monthly Cost
Bristol West$268
GAINSCO$272
Travelers$274
Safeco Insurance$313
AssuranceAmerica$336
Direct Auto$337
Liberty Mutual$345
Pronto Insurance$349
Infinity Insurance$363
The General$388

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 HistoryAvg. Monthly Cost
No Violation$302
Speeding Ticket$337
At-Fault Accident$384
Reckless Driving$375
Failure to Stop for Red Light / Stop Sign$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
No Violation - Avg. Monthly Rate
$337
Speeding 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
No Violation - Avg. Monthly Rate
$384
Speeding 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
No Violation - Avg. Monthly Rate
$321
Speeding 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.