UPDATED: AUGUST 07, 2023 | 2 MIN READ
Being a high-risk driver in Florida can be expensive. If you’re involved in an at-fault accident in Florida expect to pay over $400 more than the national average for the same offense. The increase in car insurance rates for high-risk drivers in Florida depends a lot on the type of offense on your driving record. Read on to discover where to get auto insurance and how you can minimize your insurance costs, so you can continue driving for your daily needs.
Best insurance companies for high-risk drivers in Florida
While being a high-risk driver in Florida can be difficult when shopping for insurance, insurance companies offer insurance rates that can make it a little easier to get back to driving again after an offense.
Auto insurance after an at-fault accident
The severity of the accident has a bearing on the insurance cost. Allstate is among the most expensive when it comes to insurance coverage after an accident. Their’s goes up by 36%. GEICO and State Farm remain the most competitive. GEICO offers an insurance premium of $2,763 after an at-fault accident, while State Farm offers a premium of $2,675.
Car insurance after a speeding ticket
GEICO and State Farm offer the best coverage rates for high-risk auto insurance after a speeding ticket. GEICO is $2,826 after a speeding ticket, up from $2,103 without one. While State Farm is $2,344 after a speeding ticket, up from $2,055. The severity of the speeding ticket will impact the insurance rate you’ll get offered.
Auto insurance after a distracted driving citation
While USAA offers the cheapest policy after a distracted driving citation of $771, you need to have a military affiliation to avail of their coverage options. For those without military connections, GEICO and State Farm come out on top again. State Farm offers an auto insurance policy of $1,574 after a distracted driving offense, while GEICO offers an auto insurance quote of $1,884. Be aware that insurers are raising the cost of distracted driving penalties by 10,000%.
Cheapest auto insurance companies for high-risk drivers in Florida
Drivers in Florida typically pay more for car insurance than in most other states. This is largely due to the high number of tourists visiting the state and the number of road drivers. Finding a cheaper rate of insurance can be difficult however there are insurance companies offering competitive insurance rates.
Cheapest car insurance after an at-fault car accident
USAA comes out on top with an insurance premium rate of $831, while State Farm comes next with an auto insurance quote of $1,574.
Cheapest car insurance after a DUI
State Farm offers the most competitive full coverage policy after a DUI. Their annual premium is priced at $3,057.
How does Florida compare to the national average?
The Insurance Institute for Highway Safety (IIHS) stated that the national average death rate from crashes in the country is 11 per 100,000 people. However, in Florida, the rate is well above the average at 14.8. This contributes to the rates of insurance being higher in the state.
What are the insurance laws in Florida?
Having auto insurance is mandated in the Sunshine State. It’s illegal to be an uninsured motorist. Driving without insurance can result in the suspension of your license or its revocation. Any vehicle registered in Florida must have the following:
- Personal Injury Protection: $10,000 minimum
- Property Damage Liability: $10,000 minimum
How does Florida classify high-risk drivers?
Florida declares the following as risk factors can increase your insurance premium:
- Speeding tickets
- At-fault accidents
- Reckless driving
- Residing in a high-risk area
- Teen drivers
- DUI
- Poor credit history
- Gaps in insurance coverage
What insurance carriers insure teen drivers?
Florida teen drivers are seen as high-risk because of their lack of experience and possibly lack of judgment on the roads. Allstate offers the best premium for teen drivers at $1,427 for full coverage.
How can I lower my auto insurance policy when classed in a high-risk category?
There are ways you can try to lower your insurance premium if you’re a high-risk driver. You can:
- Take a defensive driving course
- Shop around with different insurance providers
- Find and compare insurance policy discounts
- Try to improve your credit score
FAQs
What is the best Florida car insurance company for high-risk drivers?
USAA offers the cheapest coverage options for high-risk drivers. However, this isn’t open to all drivers. State Farm, GEICO, and Allstate are among the best insurance carriers for high-risk drivers in Florida.
What do Florida insurance companies consider as high risk?
Florida drivers are considered high-risk if they have any of the following:
- Speeding tickets
- At-fault accidents
- Reckless driving
- Residing in a high-risk area
- Teen drivers
- DUI
- Poor credit history
- Gaps in insurance coverage
What is the difference between car insurance for high-risk drivers in Florida and normal drivers?
The difference is normal drivers have no driving violations or offenses on their driving record. They’re better placed to avail of the cheapest car insurance rates in Florida. While high-risk drivers do have driving violations or offenses and will need to pay more for the cost of car insurance.
What kind of insurance is the best for high-risk drivers in Florida?
Full coverage is the best insurance for Florida drivers who are considered high-risk.
How much does car insurance for high-risk drivers in Florida cost?
This largely depends on the driving offense or traffic violation. Annual premiums for high-risk drivers can increase by as much as 46% after a DUI and 36% after a motor vehicle accident.
Finding car insurance for high-risk drivers in Florida
The cost of car insurance for high-risk drivers can be expensive in Florida. This is especially true considering that the state already has higher insurance costs than the national average. By shopping around and making attempts to improve your driving, you can get a competitively priced policy. If you’re looking for car insurance for high-risk drivers in Florida, use our quoting tool to get started.
