High-Risk Car Insurance in Florida

Travelers and State Farm tie as Florida's most affordable options for high-risk drivers, offering competitive full coverage rates across multiple violation categories. Both providers offer solid value regardless of your driving history.

Explore more options in our affordable high-risk car insurance in the U.S. guide.

Florida drivers with a DUI pay rates ranging from $145 per month with State Farm for full coverage to as high as $429 from other insurers. A DUI ranks among the most serious violations and remains on your driving record for 75 years in Florida, though most insurers consider it for three to five years when setting premiums.

For strategies to lower your costs, check our car insurance after a DUI guide.

Florida drivers with speeding tickets find rates ranging from $143 per month through Travelers to as high as $467 for full coverage from other insurers. Your actual premium increase depends on how much you exceeded the speed limit and whether you're a repeat offender. Speeding violations usually remain on your driving record for three to five years in the state.

Florida drivers with at-fault accidents can find full coverage rates from $150 per month through Travelers to as high as $538 from other insurers. Companies increase premiums because at-fault accidents signal you're more likely to file future claims, especially when the accident involved injuries or property damage. These accidents remain on your driving record for three to five years.

Florida drivers with distracted-driving violations find rates ranging from $145 per month with State Farm to as high as $483 with other insurers for full coverage. Florida prohibits handheld cellphone use while driving, with violations resulting in fines and points on your license. Though distracted driving isn't as serious as DUI or reckless driving offenses, it still raises your insurance premiums.

At-fault accidents raise full coverage rates in Florida by 42% ($96 per month), while a DUI adds 34% ($76 monthly) compared to drivers with clean records. Florida residents with violations pay substantially more for car insurance than those without infractions. The table shows average costs by violation type, and you can use the filter to switch between full coverage and minimum liability rates.

See our average cost of car insurance in Florida guide for clean-record rates.

High-risk drivers in Florida pay much higher premiums, but shopping around turns up more affordable options than expected. Learn what makes you high risk, how to find affordable providers, and what to do if insurers deny you.

For more tips to cut costs with violations on your record, check out our cheap car insurance after a bad driving record resource.

Insurance companies label you high risk when you have:

• DUI or DWI convictions
• Moving violations or at-fault accidents
• A suspended or revoked license
• Limited driving experience
• High-performance vehicles or racing history
• Poor credit or gaps in coverage
• Multiple claims in recent years

Drivers over 65 may also pay higher premiums.

Save money and secure better high-risk car insurance coverage in Florida with these proven strategies.

Insurance companies in Florida can deny you coverage if you're considered too risky under Florida's voluntary market system. Florida doesn't have a state-sponsored low-cost auto insurance program for income-eligible drivers. Only California, Hawaii and New Jersey offer such programs. If you've been denied by standard carriers, you can obtain required coverage through the Florida Automobile Joint Underwriting Association (FAJUA) regardless of your risk level.

*Florida drivers can access FAJUA (Florida Automobile Joint Underwriting Association) through licensed insurance agents statewide.

Florida doesn't offer a low-cost auto insurance program for income-eligible drivers with clean records. However, Florida operates the Florida Automobile Joint Underwriting Association (FAJUA), which provides coverage to high-risk drivers.

Unlike most assigned risk plans, FAJUA is available to all Florida residents without requiring proof of voluntary market rejection.

Florida doesn't offer a dedicated low-cost auto insurance program for income-eligible residents. All drivers seeking affordable coverage must compare quotes from multiple insurers in the voluntary market. Those who cannot find coverage through standard carriers, or any Florida resident, can access the Florida Automobile Joint Underwriting Association (FAJUA) without needing proof of rejection.  

Florida's competitive insurance market means shopping around often reveals significant price differences between companies for the same coverage.

Drivers with DUIs, suspended licenses or serious violations must file SR-22 insurance, a certificate of financial responsibility that proves you carry the state's required minimum coverage.

High-risk drivers who've been rejected by standard insurers in Florida can get coverage through the Florida Automobile Joint Underwriting Association. If you're denied coverage because of DUIs, multiple accidents or license suspensions, FAJUA provides access to the minimum liability insurance Florida law requires.

FAJUA assigns drivers to participating insurers based on each company's market share in Florida. The program operates under oversight from the Florida Office of Insurance Regulation as the state's residual market mechanism.

Unlike most states' assigned risk plans, Florida's FAJUA doesn't require proof of rejection from voluntary market insurers. All Florida residents can access FAJUA coverage directly through licensed insurance agents. Licensed carriers in Florida must participate in FAJUA and accept drivers in proportion to their market share.  

Once assigned through FAJUA, a participating insurer will provide coverage up to $300,000 combined single limit. This system guarantees access to legally mandated insurance regardless of your driving history.

Florida's Joint Underwriting Association (FAJUA) rates for high-risk drivers are 50% to 100% higher than comparable voluntary market policies. For example, where standard minimum coverage runs $95 per month, FAJUA-assigned drivers pay $140 to $190 monthly for identical protection.

Florida's Office of Insurance Regulation oversees the program, ensuring rates remain appropriate. FAJUA guarantees even the highest-risk drivers can access mandatory coverage up to $300,000 combined single limit.

For Florida Automobile Joint Underwriting Association (FAJUA):

1. Contact a licensed Florida insurance agent who handles FAJUA placements.
2. Provide all required information, including your driver's license and vehicle details.
3. Submit your FAJUA application through the agent.
4. Wait for assignment to a participating carrier once your application is processed.
5. Your assigned insurer will provide coverage up to $300,000 combined single limit.

Unlike most states, Florida doesn't require proof of rejection from voluntary market insurers before accessing FAJUA. All licensed carriers in Florida must participate in the program.

Travelers and State Farm tie as the most affordable high-risk car insurance providers in Florida after analyzing rates from major insurers. Full coverage costs range from $143 per month for drivers with speeding tickets to $150 monthly for those with at-fault accidents, depending on your specific violation and coverage needs.

Drivers rejected by multiple standard insurers can access required coverage through the Florida Automobile Joint Underwriting Association, which ensures you meet state insurance requirements even when traditional carriers won't provide policies.

Once you've improved your driving record, keep shopping for better rates through our cheapest car insurance in Florida guide to find competitive options for your updated profile.

We calculated average rates using full coverage policies with 100/300/100 liability limits plus comprehensive and collision coverage with a $1,000 deductible. State minimum rates were based on Florida's required 10/20/10 liability coverage.

All rate calculations use this standard profile:

• 35 years old
• Male
• 12,000 miles driven annually
• Good credit
• One violation (DUI, speeding ticket, at-fault accident or distracted driving)

We reviewed rates from major carriers by violation type to determine the most affordable options for high-risk drivers in Florida. Filter options allow users to compare full coverage and state minimum policies for their situation.