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.
High-Risk Car Insurance FL
For high-risk drivers, Direct General Insurance provides the most affordable car insurance in Florida, with average rates from $61 to $130 monthly.
Find out if you're overpaying for car insurance below.

Updated: May 20, 2025
Advertising & Editorial Disclosure
Key Takeaways
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.
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.
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.
Compare Auto Insurance Rates
Ensure you're getting the best rate for your auto insurance. Compare quotes from the top insurance companies.
Cheapest Car Insurance for High-Risk Drivers in FL
State Farm | Young Drivers | $75 |
State Farm | Senior Drivers | $61 |
State Farm | Drivers With a Speeding Ticket | $66 |
State Farm | Drivers With an Accident | $71 |
State Farm | Drivers With a DUI | $66 |
Nationwide | Drivers With Bad Credit | $109 |
Direct General Insurance | Drivers 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.
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.
$99 | $1,185 | $0 | $0 | 0% |
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
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
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
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
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.
Office Hours
Monday–Friday, 8:15 a.m.–5:00 p.m. ET
ejoyner@fajua.org
Phone
(850) 681-2003
Fax
(850) 681-7802
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?
The cheapest high-risk car insurance provider in Florida is Direct General Insurance. The most affordable rate for monthly high-risk minimum coverage in Florida is $130.
What do I do if I get denied for coverage?
If denied coverage for high risk, contact the Automobile Insurance Plan Service Office (AIPSO) to explore available options.
How much more expensive is high-risk car insurance in Florida?
High-risk car insurance in Florida can be markedly more expensive. For example, drivers aged 30 to 59 with a DUI can pay around 1,280% more, and those with a speeding violation may face around 300% higher premiums, compared to adults with a clean record.
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

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.