Drivers looking for high-risk auto insurance in Florida typically pay higher rates than the state average (which are already some of the highest in the country). Insurance companies may consider drivers to be high-risk if they have at-fault accidents, speeding convictions, DUIs or other blemishes on their driving records, which makes them more likely to be involved in claims in the future. When the risk of a claim goes up, the premiums for an insurance policy usually do, too. While not an ideal scenario, finding affordable car insurance for high-risk drivers in Florida may still be possible, especially with Bankrate’s help.

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Rates for high-risk car insurance in Florida

Generally, car insurance companies use about a dozen different rating factors to determine your premium. Of these factors, your driving record is one of the most significant. Usually, a conviction or accident of any type (even a not-at-fault accident) can cause your average to increase. However, certain kinds of driving activity may impact your premium more than others.

Below, we’ve listed some of the most common scenarios that high-risk drivers in Florida may face, including average premiums for some of the largest car insurance companies by market share in the state. It is important to note that while your driving record plays a big part in how much you pay for car insurance, it’s not the only factor. As such, you could be paying more or less than the averages shown below.

Rates after a speeding ticket

Although they might be common, you’ll usually see an increase in your car insurance premium after a speeding ticket conviction. However, how much your rate goes up after a speeding ticket in Florida can vary. Generally, the faster you were going over the speed limit, the more severe the infraction. The more severe the infraction, the more your premium might go up. Where you were speeding — in a school or construction zone, for instance — can also play a part.

Car insurance company Florida average annual premium for full coverage before a speeding ticket Florida average annual premium for full coverage after a speeding ticket Percentage difference
Allstate $3,137 $4,005 28%
Geico $2,356 $3,192 35%
Progressive $3,251 $4,491 38%
State Farm $2,307 $2,633 14%

Companies that are the cheapest prior to a violation are sometimes the most expensive afterwards. Other companies might increase rates for people who take advantage of discounts or safe driving programs. As such, those with a less-than-perfect driving record may need to shop around to find the best car insurance company for their unique circumstances.

Rates after an accident

As with speeding convictions, the severity of your accident can dictate how much of an increase you may see in your premium. How much property damage did you cause, and were there any injuries? Additionally, your past driving history can also contribute, especially if you have a history of at-fault accidents and driving convictions.

Car insurance company Florida average annual premium for full coverage before an at-fault accident Florida average annual premium for full coverage after an at-fault accident Percentage difference
Allstate $3,137 $4,528 44%
Geico $2,356 $3,108 32%
National General $4,759 $6,276 32%
Progressive $3,251 $5,077 56%
State Farm $2,307 $3,012 31%

Depending on their provider, Florida drivers may pay an average of 31-56 percent more for car insurance after a car accident.

Rates after a DUI

A DUI conviction is among the most severe infractions a driver can have on their driving record. In fact, some companies may refuse to sell a policy to a driver convicted of a DUI. Although the average rates below could provide a helpful baseline, you may want to contact companies directly if you have a DUI on your record.

Car insurance company Florida average annual premium for full coverage before a DUI Florida average annual premium for full coverage after after a DUI Percentage difference
Allstate $3,137 $5,018 60%
Geico $2,356 $3,684 56%
National General $4,759 $4,979 5%
Progressive $3,251 $3,910 20%
State Farm $2,307 $3,449 50%

In addition to increased premiums, the state of Florida will also likely require you to carry a certificate of financial responsibility called an FR-44 after a DUI conviction. To qualify for an FR-44, you will have to carry at least $100,000 in bodily injury liability coverage per person and $300,000 in bodily injury liability coverage per accident. Although the FR-44 itself won’t cause your premium to go up (outside of the filing fee), these higher liability limits almost certainly will.

Rates for drivers with bad credit

Some states ban or restrict car insurance companies from using your credit-based insurance score to calculate your rate, but not Florida. This means that Floridians can expect their credit score to have a major hand in how much they pay for coverage.

Statistics show that drivers with bad credit file more claims than drivers with good or excellent credit. To compensate for this heightened risk, car insurance companies typically charge drivers in the poor credit tier some of the highest rates.

Car insurance company Florida average annual premium full coverage premium for a driver with good credit Florida average annual premium full coverage premium for a driver with poor credit Percentage difference
Allstate $3,137 $5,094 62%
Geico $2,356 $4,210 79%
National General $4,759 $4,759 0%
Progressive $3,251 $5,401 66%
State Farm $2,307 $4,095 78%

You might notice that the average premiums in this table are even higher than those after a DUI conviction. It can be challenging to find affordable car insurance for bad credit, but it may be possible with a little shopping.

Rates after a lapse in coverage

Driving without insurance in Florida is illegal. If you have a lapse of car insurance in Florida, the state could suspend your license and force you to carry an SR-22. You might also be deemed a high-risk driver and see an increase in your average premium (although this can depend on your prior driving history and may vary from company to company).

Car insurance company Florida average annual premium for full coverage before a lapse in coverage Florida average annual premium for full coverage after after a lapse in coverage Percentage Difference
Allstate $3,137 $5,061 61%
Geico $2,356 $2,356 0%
National General $4,759 $4,759 0%
Progressive $3,251 $3,179 -2%
State Farm $2,307 $2,308 0%

Legality aside, car insurance provides vital financial protection. Comparing rates to find the most robust policy that you can fit into your budget could save you from devastating out-of-pocket expenses if you cause an accident without sufficient coverage.

Rates for teen drivers

Thanks partly to their inexperience behind the wheel and penchant for risky driving behavior, teens pay some of the most expensive car insurance rates, even if they have a clean driving record.

Since you almost always must be at least 18 years old to qualify for a policy on your own (an insurance policy is a legal contract), we’ve included the average rates for 16-year-old drivers added to their parents’ policy. The premiums below reflect the total cost for three drivers (the child and two parents).

Car insurance company Florida average annual premium for full coverage
Allstate $5,002
Geico $4,898
National General $12,131
Progressive $5,270
State Farm $4,276

Many companies offer a variety of teen driver discounts, such as good student, away at school and drivers training. Nonetheless, the best thing you can do is ensure your teenager learns good driving habits so their driving record stays clean (and so they stay safe).

Who is a high-risk driver?

A high risk driver is typically someone who has one or more of the following:

  • Speeding tickets
  • At-fault accidents
  • Living in a high risk area
  • Being a teen driver
  • DUI
  • Bad credit
  • Lapse in coverage

Because of this, their insurance company feels they are likely to file a claim in the future, which is why it charges these drivers more.

High-risk auto insurance in Florida typically just means drivers pay more for the same coverage they had before, but it is possible their carrier may drop them altogether after a serious violation.

How to lower your rate if you are a high-risk driver

High-risk car insurance in Florida usually means you pay a lot more. However, that does not mean you won’t be able to find a less expensive rate:

  • Shop around: As you saw above, car insurance companies charge drivers different rates, so getting several quotes will give you a better idea of your options.
  • Compare discounts: Most insurance companies offer multiple discounts to get your premium down, and while a lot of companies offer many of the same options, you can often save more with certain ones.
  • Drive an older car: The make and model of your vehicle will impact your rate, and new cars usually cost more to insure. You could save money by driving an older car that has a high safety rating.
  • Increase your credit score: People with low credit scores are more likely to file a claim than those with a high credit score. Increase your credit score and your premium will likely decrease.

The next best thing you can do for your premium is to continue to drive safely. Don’t drink and drive, leave early and follow all traffic laws. This will keep your record clean until your insurance company reviews your policy at renewal.

Frequently asked questions

    • The average cost of car insurance in the U.S. is $2,014 per year for full coverage and $622 for minimum coverage. That is significantly lower than the average annual rate for car insurance in Florida, which is $3,183 per year for full coverage and $1,128 for minimum coverage. However, those are just the average rates. Your rates will vary depending on the coverage selections and limits you choose. Plus, other factors, like your ZIP code, vehicle and driving history will also have an impact on your rates.
    • No company will be the best car insurance option for every driver in Florida. Car insurance needs and wants can vary, and the best car insurance company will depend on what’s most important to each driver. Competitive rates are important for many drivers, so many people start their search by looking for the company that offers the most affordable rates. However, there are other factors, like coverage options, discounts, financial strength ratings and customer service reviews, that may also play a role. In addition, the features offered by a company’s website or mobile app may also matter when narrowing down the options.
    • Although this varies from company to company, a DUI could impact your rate for five to seven years. However, depending on the carrier, you could see higher rates for up to 10 years. Because underwriting guidelines vary among companies, shopping around could be especially impactful if you have a DUI on your record.

Methodology

Bankrate utilizes Quadrant Information Services to analyze 2023 rates for ZIP codes and carriers in all 50 states and Washington, D.C. Rates are weighted based on the population density in each geographic region. Quoted rates are based on a 40-year-old male and female driver with a clean driving record, good credit and the following full coverage limits:

  • $100,000 bodily injury liability per person
  • $300,000 bodily injury liability per accident
  • $50,000 property damage liability per accident
  • $100,000 uninsured motorist bodily injury per person
  • $300,000 uninsured motorist bodily injury per accident
  • $500 collision deductible
  • $500 comprehensive deductible

To determine minimum coverage limits, Bankrate used minimum coverage that meets each state’s requirements. Our base profile drivers own a 2021 Toyota Camry, commute five days a week and drive 12,000 miles annually.

These are sample rates and should only be used for comparative purposes.

Incidents: Rates were calculated by evaluating our base profile with the following incidents applied: clean record (base), at-fault accident, single speeding ticket, single DUI conviction and lapse in coverage.

Credit-based insurance scores: Rates were calculated based on the following insurance credit tiers assigned to our drivers: “poor and good (base).” Insurance credit tiers factor in your official credit scores but are not dependent on that variable alone. Four states prohibit or limit the use of credit as a rating factor in determining auto insurance rates: California, Hawaii, Massachusetts and Michigan.

Teens: Rates were determined by adding a 16-year-old teen to a 40-year-old married parent’s policy. The rates displayed reflect the total cost of a driver this age added to their parents’ policy.