High-Risk Car Insurance FL


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Key Takeaways

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For those seeking affordable high-risk car insurance, State Farm, Travelers and Nationwide are the top choices for state minimum and full coverage options in Florida.

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High-risk drivers in Florida face a wide range of annual premiums, with rates starting as low as $989 and reaching up to $6,164, depending on various factors.

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To secure the best deal on high-risk car insurance, find the coverage you need, research average costs and discounts and compare multiple providers to make an informed decision.

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Ensure you're getting the best rate for your auto insurance. Compare quotes from the top insurance companies.

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Cheapest Car Insurance for High-Risk Drivers in FL

In our analysis, State Farm stands out as the most affordable option for young drivers, senior drivers, and those with tickets, accidents or DUIs. Nationwide offers the best rates for drivers with bad credit, while Direct General Insurance is the go-to for those with both credit issues and driving violations.

State FarmYoung Drivers$75
State FarmSenior Drivers$61
State FarmDrivers With a Speeding Ticket$66
State FarmDrivers With an Accident$71
State FarmDrivers With a DUI$66
NationwideDrivers With Bad Credit$109
Direct General InsuranceDrivers With Bad Credit And Driving Violations$130

*Rates shown are for minimum car insurance policies modifying a base profile of a 40-year-old driver with good credit and no driving violations.

Compare Cheap FL High-Risk Car Insurance Providers

While our above table gives an overview of the cheapest companies for high-risk insurance, it doesn't cover every unique driver profile. Below, you'll find a table to compare rates from top providers tailored to your specific needs.

Data filtered by:Results filtered by:
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Age Range:22-29
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Driving Record:Accident $1000-$1999 Prop Dmg
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Credit Score:Good
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Coverage Level:100/300/100 Full Cov. w/$1,000 Ded.
State Farm$167$2,007
Travelers$173$2,073
Nationwide$259$3,110
GEICO$292$3,499
Allstate$351$4,211

How Much is High-Risk Car Insurance in FL?

Overall, high-risk car insurance costs in Florida can range anywhere from $82 to $514 monthly, depending on your unique combination of pricing factors. Below, you can compare average pricing for your profile by filtering the table.

Data filtered by:Results filtered by:
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Age Range:22-29
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Driving Record:Clean
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Credit:Good
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Coverage Level:State Minimum Liability Only
$99$1,185$0$00%
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HOW LONG DO DRIVING VIOLATIONS AFFECT CAR INSURANCE RATES?

If you're a driver in Florida, it's important to know how traffic violations might impact your car insurance costs. Major offenses, such as DUIs or reckless driving, could affect your rates for up to 10 years.

If you've committed a minor offense, you might see a change in your premiums for about three to five years following the incident. The specific duration is determined by your insurance company and its rules.

Florida High-Risk Car Insurance: Buyer's Guide

Navigating car insurance with a high-risk profile can be challenging. We've crafted a guide to help you grasp what makes you high-risk to insurers, discover affordable providers, and understand your options if most insurers deny you.

What Is Considered a High-Risk Driver?

The following is a list of various types of drivers that are considered high-risk to auto insurance companies:

  • Drivers with a history of traffic violations or at-fault accidents
  • Drivers with a DUI conviction
  • Drivers caught driving with a suspended or revoked license
  • Young drivers with a lack of driving experience
  • Senior drivers over 60
  • Drivers who drive sports cars or participate in drag racing
  • Drivers with bad credit or lapses in insurance coverage

Tips To Find the Best High-Risk Car Insurance in FL

Below, you'll find key tips to help save money and choose the best provider for high-risk car insurance in the Sunshine State.

  1. 1

    Decide What Coverage You Need

    Before you begin comparing car insurance companies, determine the coverage you require so you aren't influenced by popular opinions or assertive agents. Evaluate various add-ons like rideshare coverage and roadside assistance. You can utilize our coverage calculator to find out how much auto insurance you need.

  2. 2

    Research Average Costs and Discounts

    Understanding average costs and available discounts will provide insight into the quality of deals you're getting when comparing insurance providers. Investigate defensive driving courses certified by the state that can offer savings of up to 10% on premiums, which can be especially beneficial for low-income residents.

  3. 3

    Consider Non-Traditional Coverage Options

    Exploring pay-per-mile insurance and other usage-based programs can result in savings if you drive safely and maintain a low mileage. Providers like Geico offer telematics programs to monitor driving habits, potentially reducing your policy cost by up to 30%, helping you keep insurance affordable.

  4. 4

    Compare Multiple Providers

    Compare at least three different insurance providers to gain a clear perspective on available offerings. Use various comparison methods, such as independent brokers or online comparison sites, since rates might differ for the same insurer. Ensure you're comparing similar coverage levels to accurately assess how providers measure up. In areas with high accident rates, consider how incidents like at-fault accidents and moving violations might impact your insurance costs.

What To Do if You Get Denied Coverage in Florida

Car insurance companies might deny you coverage if they find insuring you too risky. But don't worry, you can still get coverage through a residual market plan from the Automobile Insurance Plan Service Office (AIPSO).

Below, we've provided contact information if you want to start the process.

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    Office Hours

    Monday–Friday, 8:15 a.m.–5:00 p.m. ET

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    Email

    ejoyner@fajua.org

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    Phone

    (850) 681-2003

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    Fax

    (850) 681-7802

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    Mailing Address

    1425 Piedmont Dr E #201A
    Tallahassee, FL 32308

Car Insurance for High-Risk Drivers in FL: Bottom Line

Based on our research, State Farm, Nationwide, and Travelers offer affordable high-risk insurance in Florida. While this is a good starting point, we recommend doing your own research to find the best deal. If you're denied coverage, don't worry. Programs are available to help you secure affordable insurance. Stay informed and explore all your options to make the best decision for your needs.

FL Car Insurance for High-Risk Drivers: FAQ

Below, we answer common questions about high-risk car insurance in Florida.

What is the cheapest high-risk car insurance provider in Florida?

What do I do if I get denied for coverage?

How much more expensive is high-risk car insurance in Florida?

How We Chose The Cheapest High-Risk Car Insurance in Florida

MoneyGeek calculated average rates using full coverage car insurance policies with 100/300/100 liability insurance and comprehensive and collision coverage with a $1,000 deductible.
Minimum coverage car insurance policy rates were calculated based on each state’s minimum car insurance requirement.

All high-risk profiles are modifications based on our base profile of the following:

- 40-year-old driver
- 12,000 annual mileage
- Clean driving record
- Good credit

High-risk profiles considered for are young drivers, seniors, and those with bad credit or records of an accident, speeding ticket, or DUI.
We also considered combinations of all of these factors to get a comprehensive view and maintain accuracy and personalization with our recommendations.

About Mark Fitzpatrick


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Mark Fitzpatrick, a Licensed Property and Casualty Insurance Producer, is MoneyGeek's resident Personal Finance Expert. With over five years of experience analyzing the insurance market, he conducts original research and creates tailored content for all types of buyers. His insights have been featured in publications like CNBC, NBC News and Mashable.

Fitzpatrick holds a master’s degree in economics and international relations from Johns Hopkins University and a bachelor’s degree from Boston College. He's also a five-time Jeopardy champion!

Passionate about economics and insurance, he aims to promote transparency in financial topics and empower others to make confident money decisions.


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