- Cheapest car insurance for high-risk drivers in Florida
- Average rates for high-risk drivers in Florida by driving record
- Cheapest car insurance with a DUI
- Cheapest car insurance with multiple tickets
- Cheapest car insurance with a reckless driving conviction
- Cheapest car insurance with bad credit
- Methodology
Cheapest car insurance for high-risk drivers in Florida
Rates will vary depending on what’s on your driving record, but on average the cheapest car insurance company for high-risk drivers in Florida is State Farm, followed by Geico and Allstate.
| Company | Avg annual premium | Avg monthly premium |
|---|---|---|
| State Farm | $2,637 | $220 |
| Geico | $2,767 | $231 |
| Allstate | $4,000 | $333 |
| Travelers | $4,090 | $341 |
| Nationwide | $4,434 | $370 |
| National General Insurance | $4,457 | $371 |
| Mercury Insurance | $4,527 | $377 |
| Progressive | $4,877 | $406 |
| Farmers | $5,574 | $465 |
Average rates for high-risk drivers in Florida by driving record
Select your state and risk factor below to see the insurance company and its
average annual full coverage rates.
| Company name | Average annual premium |
|---|---|
| Geico | $2,420 |
| State Farm | $2,522 |
| Nationwide | $3,622 |
| Travelers | $3,701 |
| National General Insurance | $5,020 |
| Allstate | $5,053 |
| Progressive | $5,454 |
| Mercury Insurance | $5,635 |
| Farmers | $6,249 |
Cheapest car insurance with a DUI
A DUI will put you into the high-risk category quickly, and you can expect a big jump in your rates. Shopping around can make a big difference, however. The cheapest car insurance company in Florida for a driver with a DUI is State Farm with an average annual of $2,356 a year.
| Company | Avg annual premium | Avg monthly premium |
|---|---|---|
| State Farm | $2,356 | $196 |
| Geico | $3,043 | $254 |
| National General Insurance | $3,964 | $330 |
| Travelers | $3,974 | $331 |
| Progressive | $4,142 | $345 |
| Allstate | $4,198 | $350 |
| Farmers | $4,751 | $396 |
| Mercury Insurance | $4,824 | $402 |
| Nationwide | $5,397 | $450 |
Cheapest car insurance with multiple tickets
While a single ticket doesn’t mean you’re high-risk, multiple tickets will worry insurance companies more, resulting in higher rates. In Florida, the cheapest car insurance with multiple tickets is from State Farm. It offers full coverage insurance at $2,356 per year or $196 monthly.
| Company | Avg annual premium | Avg monthly premium |
|---|---|---|
| State Farm | $2,356 | $196 |
| Geico | $2,516 | $210 |
| Travelers | $3,771 | $314 |
| Nationwide | $3,937 | $328 |
| Mercury Insurance | $4,126 | $344 |
| National General Insurance | $4,348 | $362 |
| Progressive | $4,823 | $402 |
| Farmers | $5,381 | $448 |
Cheapest car insurance with a reckless driving conviction
Reckless driving is a serious violation and indicates you drive in a very risky manner, which means higher insurance rates. In Florida, State Farm offers the cheapest full coverage car insurance for drivers with a reckless driving conviction at $2,356 a year.
| Company | Avg annual premium | Avg monthly premium |
|---|---|---|
| State Farm | $2,356 | $196 |
| Geico | $2,937 | $245 |
| Travelers | $3,974 | $331 |
| Allstate | $4,198 | $350 |
| Mercury Insurance | $4,824 | $402 |
| Progressive | $5,065 | $422 |
| Nationwide | $5,397 | $450 |
| Farmers | $5,732 | $478 |
| National General Insurance | $5,929 | $494 |
Cheapest car insurance with bad credit
Although it's not directly related to driving skills, people with poor credit are statistically more likely to file a claim. As a result, bad credit can put you in the high-risk category, but you can save by shopping around. The cheapest car insurance for drivers with bad credit in Florida is Geico with an average annual cost of $3,075 or $256 per month.
| Company | Avg annual premium | Avg monthly premium |
|---|---|---|
| Geico | $3,075 | $256 |
| Nationwide | $3,999 | $333 |
| State Farm | $4,045 | $337 |
| Mercury Insurance | $5,135 | $428 |
| Travelers | $5,279 | $440 |
| Progressive | $5,585 | $465 |
| Allstate | $5,907 | $492 |
| Farmers | $6,821 | $568 |
Methodology
Data is sourced from the Auto Problems Report 2022 for all states including Washington D.C. The rates are based on the driving profile of a 40-year-old male driver who drives a Honda Accord LX and opts for a full-coverage policy with coverage limits of 100/300/100 and a $500 comprehensive and collision deductible across most ZIP codes with 50,00,736 records from 27 companies.
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