Car Insurance for High-Risk Drivers in Florida (2025)

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.

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

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.

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.

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.

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:

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