Car Insurance for High-Risk Drivers in Florida (2025)
High-risk drivers in Florida face high auto insurance premiums. Here’s how to find affordable coverage while lowering your risk factors.
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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 $155 per month for liability coverage, while drivers with an incident pay $171 per month, Insurify data shows.
Florida saw 479 alcohol-related crashes in March 2022, which resulted in 41 deaths and 41 serious injuries.[?]
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
Best insurer for discounts: GEICO
Best insurer for young drivers: Allstate
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 500+ 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.[?]
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 500+ 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 500+ 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 500+ 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 $114 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:[?]
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?
Hugo is one of the cheapest insurance companies for high-risk drivers in Florida, with average monthly liability rates of $114.
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.
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