Cheap Car Insurance for High-Risk Drivers in Florida:
Costs and Quotes (2021)

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Cheapest Insurance Companies for High Risk Drivers in Florida (2021)

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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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.