High-Risk Car Insurance in Florida

Travelers and State Farm are Florida's most affordable choices for high-risk drivers. Both post competitive full coverage rates across multiple violation categories.

See how Florida compares in our affordable high-risk car insurance in the U.S. guide.

Florida drivers with a DUI pay rates ranging from $145 a month with State Farm for full coverage to as high as $429 from other insurers. A DUI ranks among the most serious violations. It stays on your Florida driving record for 75 years, though most insurers look back only 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 pay as little as $143 a month through Travelers, up to $467 with other insurers, for full coverage. Your 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 pay as little as $150 a 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 pay as little as $145 a month with State Farm, up to $483 with other insurers, for full coverage. Florida prohibits handheld cellphone use while driving. Violations result 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%, or $96 a month. A DUI adds 34%, or $76 a month, over the clean-record baseline of $226. The table shows average costs by violation type, and you can use the filter to switch between full coverage and minimum coverage 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 often turns up more affordable options.

For tips on cutting costs with violations on your record, see our cheap car insurance after a bad driving record resource.

Insurance companies label you high risk if you have DUI or DWI convictions, moving violations, at-fault accidents or a suspended license. Drivers with limited experience, high-performance vehicles or poor credit also pay more. Coverage gaps or multiple claims in recent years raise your rates, too. Drivers over 65 often pay higher premiums.

Use these strategies to get better coverage at a lower rate in Florida.

*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. Florida does have the Florida Automobile Joint Underwriting Association (FAJUA) for high-risk drivers.

Unlike most assigned risk plans, FAJUA is open to all Florida residents. You don't need proof of rejection from the voluntary market to apply.

Florida doesn't have a low-cost auto insurance program for income-eligible residents. Drivers who want affordable coverage have to compare quotes from multiple insurers in the voluntary market. Any Florida resident, including those turned down by standard carriers, can access FAJUA without proof of rejection.

Florida's insurance market is competitive, and prices for the same coverage can vary by hundreds of dollars between companies.

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.

FAJUA covers high-risk drivers who've been turned down by standard insurers in Florida. If you're denied because of DUIs, multiple accidents or license suspensions, FAJUA gives you access to the minimum coverage Florida law requires.

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

Unlike most assigned risk plans, Florida's FAJUA doesn't require proof of rejection from the voluntary market. All Florida residents can access FAJUA directly through a licensed insurance agent. Licensed carriers in Florida must participate in FAJUA and take on drivers proportional to their market share.

After FAJUA assigns you to an insurer, that company provides coverage up to $300,000 combined single limit.

FAJUA rates for high-risk drivers run 50% to 100% higher than similar policies in the voluntary market. For example, standard minimum coverage in Florida costs about $95 a month; FAJUA-assigned drivers pay $140 to $190 for the same coverage.

The Florida Office of Insurance Regulation oversees the program to keep rates in line with state standards.

For Florida Automobile Joint Underwriting Association (FAJUA):

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

Based on our analysis of major insurer rates, Travelers and State Farm are the most affordable high-risk car insurance providers in Florida. Full coverage costs $143 a month for drivers with speeding tickets and $150 for those with at-fault accidents. Your rate will vary based on your violation type and coverage level.

Drivers turned down by multiple standard insurers can get required coverage through the Florida Automobile Joint Underwriting Association. It lets you meet state insurance requirements even when traditional carriers won't write your policy.

Once your driving record improves, our cheapest car insurance in Florida guide can help you find lower rates.

We calculated average rates using full coverage policies with 100/300/100 liability limits, comprehensive and collision coverage and a $1,000 deductible. For state minimum rates, we used Florida's required 10/20/10 liability coverage.

All rate calculations use this standard profile:

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

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