Cheap Auto Insurance for High-Risk Drivers in Florida (Top 10 Companies for 2024)
State Farm, Nationwide, and Allstate are the top companies for cheap auto insurance for high-risk drivers in Florida. State Farm has the cheapest rates for minimum auto insurance at $36/month. American Family has the cheapest high-risk car insurance for teen drivers at $105/month.
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Daniel Walker
Licensed Auto Insurance Agent
Daniel Walker graduated with a BS in Administrative Management in 2005 and has run his family’s insurance agency, FCI Agency, for over 15 years (BBB A+). He is licensed as an insurance agent to write property and casualty insurance, including home, life, auto, umbrella, and dwelling fire insurance. He’s also been featured on sites like Reviews.com and Safeco. To ensure our content is accura...
Licensed Auto Insurance Agent
UPDATED: Oct 25, 2024
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Advertiser Disclosure: We strive to help you make confident auto insurance decisions. Comparison shopping should be easy. We are not affiliated with any one auto insurance provider and cannot guarantee quotes from any single provider. Our partnerships don’t influence our content. Our opinions are our own. To compare quotes from many different companies please enter your ZIP code on this page to use the free quote tool. The more quotes you compare, the more chances to save.
Editorial Guidelines: We are a free online resource for anyone interested in learning more about auto insurance. Our goal is to be an objective, third-party resource for everything auto insurance related. We update our site regularly, and all content is reviewed by auto insurance experts.
UPDATED: Oct 25, 2024
It’s all about you. We want to help you make the right coverage choices.
Advertiser Disclosure: We strive to help you make confident auto insurance decisions. Comparison shopping should be easy. We are not affiliated with any one auto insurance provider and cannot guarantee quotes from any single provider. Our partnerships don’t influence our content. Our opinions are our own. To compare quotes from many different companies please enter your ZIP code on this page to use the free quote tool. The more quotes you compare, the more chances to save.
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11,413 reviewsState Farm, Nationwide, and Allstate are our top provider picks for cheap auto insurance for high-risk drivers in Florida.
High-risk Florida drivers will have more expensive rates than drivers with clean driving records, but there are still ways to save. One of the best things to do is shop at the cheapest companies in Florida for high-risk auto insurance, which we’ve listed below.
Our Top 10 Company Picks: Cheap Auto Insurance for High-Risk Drivers in Florida
| Company | Rank | Monthly Rates | A.M. Best | Best For | Jump to Pros/Cons |
|---|---|---|---|---|---|
 | #1 | $36 | B | Broad Coverage | State Farm |
 | #2 | $72 | A+ | Vanishing Deductible | Nationwide |
 | #3 | $77 | A+ | Accident Forgiveness | Allstate |
 | #4 | $95 | A | Custom Options | Liberty Mutual |
 | #5 | $105 | A | Teen Driver | American Family |
 | #6 | $106 | A | Personalized Service | Farmers |
 | #7 | $116 | A++ | Safe Driver | Travelers |
 | #8 | $170 | A+ | Flexible Plans | Progressive |
 | #9 | $175 | A | Track Program | Safeco |
 | #10 | $180 | A+ | AARP Discounts | The Hartford |
Our guide covers everything you need to know about these affordable, high-risk companies in Florida. Want to get cheap Florida insurance quotes today? Enter your ZIP in our free quote tool.
- State Farm has the cheapest high-risk insurance in Florida
- Nationwide and Allstate are also affordable companies for high-risk drivers
- High-risk drivers in Florida should apply for discounts to lower rates
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#1 – State Farm: Top Pick Overall
Pros
- Broad Coverage: State Farm has a broad range of coverages that Florida high-risk drivers can purchase if they desire.
- Local Florida Agents: Visit an agent to get in-person help with your high-risk FL insurance policy. Learn more about customer service in our State Farm insurance review.
- Available Discounts: Get cheaper high-risk Florida car insurance rates by applying for relevant discounts at the company.
Cons
- Financial Status: State Farm’s financial rating is currently lower than other high-risk auto insurance companies in Florida.
- Online Tools: State Farm doesn’t offer many online tools, as local agents are available for high-risk drivers in FL.
#2 – Nationwide: Best for Vanishing Deductible
Pros
- Vanishing Deductible: High-risk Florida drivers who stay accident-free in the future could get deductible reductions.
- On Your Side Review: Every year, Florida high-risk drivers can talk to an agent if they wish to work on improving their policy.
- Coverage Options: Nationwide has extras for high-risk drivers in Florida, like new car replacements. See a full list in our Nationwide review.
Cons
- Customer Satisfaction: Nationwide’s J.D. Power rating for Florida high-risk auto insurance claims could be higher.
- DUI Rates: High-risk drivers in FL with accidents or traffic rates will get slightly better quotes than high-risk drivers with DUIs.
#3 – Allstate: Best for Accident Forgiveness
Pros
- Accident Forgiveness: Allstate may forgive some high-risk drivers’ accidents in Florida if they stay claims-free for a few years.
- Milewise: An affordable Florida insurance option if high-risk drivers have low annual mileage.
- Discount Options: Florida high-risk car insurance rates can be reduced if drivers qualify for some of Allstate’s discounts.
Cons
- Customer Complaints: Allstate’s complaint ratio is higher than other Florida high-risk insurance companies. Take a look at the ratings in our Allstate review.
- Expensive Young Driver Rates: While Allstate is affordable for most high-risk drivers in Florida, high-risk teen drivers may want to shop elsewhere.
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#4 – Liberty Mutual: Best for Custom Options
Pros
- Custom Options: Liberty Mutual offers custom policy options for high-risk drivers in FL, such as original parts replacement.
- Bundling Discount: High-risk drivers may be able to save on car insurance in Florida by bundling it with home or renters insurance.
- 24/7 Roadside Assistance: Florida high-risk drivers can pay extra to add this coverage to their policy.
Cons
- Customer Complaints: Not all Florida high-risk drivers will be happy with services. See how Liberty Mutual ranks in our Liberty Mutual review.
- Fewer Local Agents: While Liberty Mutual has some insurance agents in Florida, most services for high-risk drivers will be remote.
#5 – American Family: Best for Teen Drivers
Pros
- Teen Drivers: American Family has good student discounts, and Florida teens who are high-risk drivers can apply for good driver discounts and more.
- Customer Service: Florida high-risk teen drivers can find local agents or get assistance remotely.
- Coverage Variety: Less common coverages like gap coverage are sold to Florida high-risk drivers. For a full list, visit our American Family review.
Cons
- Availability Outside Florida: American Family isn’t sold in many states outside of Florida, so high-risk drivers who move may have to switch providers.
- Claims Processing: Some negative feedback for the company talks about slower processing for Florida high-risk insurance claims.
#6 – Farmers: Best for Personalized Service
Pros
- Personalized Service: Farmers has local agents in Florida to provide personalized, knowledgeable assistance to high-risk drivers.
- Discount Availability: Farmers’ has more discounts than other Florida high-risk auto insurance companies. Learn more by viewing our Farmers review.
- Local Agents: Florida drivers can seek assistance with high-risk policies from nearby agents.
Cons
- Customer Satisfaction: Most negative reviews from Florida high-risk customers are about claims processing.
- Must Purchase Accident Forgiveness: Accident forgiveness isn’t a free perk at Farmers, as high-risk drivers have to pay extra.
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#7 – Travelers: Best for Bundling Policies
Pros
- Bundling Policies: Florida auto insurance rates could be lower for high-risk drivers if they bundle policies.
- UBI Program: Travelers IntelliDrive is a way for high-risk drivers in FL to demonstrate safe driving skills and earn a lower rate.
- Coverage Options: Read our Travelers review to see a full list of the great coverages it offers to high-risk drivers in Florida, like roadside assistance.
Cons
- UBI Rate Changes: Florida high-risk drivers who drive poorly in the program may receive a rate hike instead of a discount.
- Customer Satisfaction: Levels of satisfaction with customer service for Florda high-risk insurance could be higher.
#8 – Progressive: Best for Flexible Plans
Pros
- Flexible Plans: High-risk plans in Florida have adjustable deductibles and coverages for high-risk drivers. Find out more by reading our review of Progressive.
- UBI Program: FL high-risk drivers who demonstrate safe driving skills in Snapshot, Progressive’s UBI program, save up to 40%.
- Loyalty Programs: Progressive has loyalty programs for high-risk drivers in Florida who renew their policies.
Cons
- UBI Rate Changes: Demonstrating bad driving skills potentially raises Florida high-risk insurance rates.
- Customer Ratings: Progressive has some lower ratings from high-risk drivers in Florida.
#9 – Safeco: Best for RightTrack Program
Pros
- RightTrack Program: It is free to join the program, and good drivers should be able to score at least a small discount on Florida high-risk auto insurance.
- Cash-Back for Safe Drivers: Claims-free customers get cash back on Florida high-risk insurance.
- Add-On Coverages: Safeco has add-ons for high-risk drivers in FL, like new vehicle replacement. Read our Safeco review to learn more.
Cons
- Customer Satisfaction: A low rating from J.D. Power shows most Florida high-risk drivers aren’t satisfied with claims services.
- No Online Quotes: Safeco does not offer quick Florida high-risk auto insurance quotes online.
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#10 – The Hartford: Best for AARP Discounts
Pros
- AARP Discounts: The Hartford has discounts specifically for Florida AARP members who are high-risk drivers.
- Coverage Variety: The Hartford provides options like agreed value coverage when most Florida high-risk insurers don’t. Read our review of The Hartford for a full coverage list.
- UBI Program: The Hartford’s UBI program offers a chance for high-risk drivers in FL to demonstrate safe driving skills and get a discount.
Cons
- Rates Best for Senior Drivers: The Hartford is more expensive for Florida high-risk auto insurance if you aren’t a senior.
- Customer Reviews: The Hartford has some complaints about its high-risk insurance services in Florida.
Cheapest Florida Car Insurance Rates for High-Risk Drivers
High-risk auto insurance is more expensive, as insurance companies are taking on drivers who are more likely to be in an accident and file an expensive claim.
The good news is that the cheapest companies in Florida for high-risk drivers offer affordable rates for minimum and full coverage. Take a look at the average rates at our top companies below.
Florida High-Risk Auto Insurance Monthly Rates by Coverage Level & Provider
| Insurance Company | Minimum Coverage | Full Coverage |
|---|---|---|
| Allstate | $77 | $231 |
| American Family | $105 | $312 |
| Farmers | $106 | $315 |
| Liberty Mutual | $95 | $283 |
| Nationwide | $72 | $215 |
| Progressive | $170 | $208 |
| Safeco | $175 | $310 |
| State Farm | $36 | $107 |
| The Hartford | $180 | $315 |
| Travelers | $116 | $347 |
Minimum coverage is the only insurance legally required, but Florida minimum auto insurance requirements don’t offer any protection for your vehicle. Full coverage is optional unless a driver has a lease or loan on their vehicle.
While minimum coverage is the cheapest option, it will only cover other parties’ bills in an accident in Florida.
Full coverage in Florida provides protection for the driver in cases of collisions with other vehicles, collisions with animals, damages from vandalism, and more.Dani Best Licensed Insurance Producer
In most cases, the higher cost of full coverage will pay itself off after a covered claim. The only time Florida drivers should consider dropping full coverage is if their vehicles are older.
Learn More: When to Buy More Than Minimum Auto Insurance
Florida Auto Insurance Discounts for High-Risk Drivers
For drivers purchasing full coverage, make sure you ask for discounts to lower costs. You can still qualify for savings that have nothing to do with your driving record, like loyalty discounts.
High-risk drivers can always save money by bundling insurance policies, and it also offers the convenience of keeping insurance policies all at one provider.
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Finding Cheap Auto Insurance for High-Risk Drivers in Florida
High-risk drivers will find the cheapest Florida rates at State Farm, Nationwide, and Allstate. While drivers should still expect to pay more than a good driver, these companies offer cheap auto insurance after an accident and other infractions.
The top high-risk Florida companies also have auto insurance discounts that can help lower high-risk insurance rates.Kristen Gryglik Licensed Insurance Agent
Want to get cheap, high-risk auto insurance quotes in Florida today? Use our free tool to compare quotes from top Florida companies in your area.
Frequently Asked Questions
What is the cheapest auto insurance for high-risk drivers in Florida?
State Farm has the cheapest car insurance for high-risk drivers in Florida.
Do high-risk drivers pay lower insurance premiums?
No, high-risk drivers pay higher insurance premiums than low-risk drivers. If you are a high-risk driver looking for affordable auto insurance, the best thing you can do is compare quotes to find the cheapest company. Use our free tool to get started.
What is the cheapest car insurance for a bad history?
Minimum auto insurance coverage will be the cheapest type of insurance for drivers with a bad driving history. Read our guide on Florida minimum auto insurance requirements to learn about the bare minimum coverage.
How can I lower my car insurance in Florida?
Some things drivers can do to lower car insurance rates in Florida include shopping for quotes, keeping a clean driving record, and applying for discounts.
What is the last resort auto insurance in Florida?
The Florida Automobile Joint Underwriting Association (FAJUA) serves as a marketplace for high-risk drivers who are unable to secure coverage from local providers.
Why is Florida auto insurance so high?
Florida automobile insurance is high because the state has many risk factors, such as a high number of uninsured drivers. Insurance will be even higher for high-risk drivers, which is why it’s so important to shop at the cheapest Florida companies.
What is the most expensive car insurance in Florida?
Full coverage auto insurance will be the most expensive type of car insurance in Florida. However, most drivers should carry full coverage insurance to protect their vehicles. Forgoing full coverage could financially ruin drivers after an accident.
Which high-risk insurance company has the highest customer satisfaction in Florida?
State Farm has some of the highest customer satisfaction levels in Florida, partly due to its local agent availability.
What age is car insurance most expensive in Florida?
Drivers under the age of 20 have the most expensive Florida auto insurance rates on average.
How much does the average person pay for car insurance in Florida?
An average person will pay an average of $63/mo for minimum coverage and an average of $209/mo for full coverage. However, shopping with the best Florida auto insurance companies can result in lower rates.
What is the cheapest car insurance in Florida for seniors?
Typically, Geico and USAA will have the most affordable car insurance for senior drivers in Florida.
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Enter your ZIP code below to view companies that have cheap auto insurance rates.
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Daniel Walker
Licensed Auto Insurance Agent
Daniel Walker graduated with a BS in Administrative Management in 2005 and has run his family’s insurance agency, FCI Agency, for over 15 years (BBB A+). He is licensed as an insurance agent to write property and casualty insurance, including home, life, auto, umbrella, and dwelling fire insurance. He’s also been featured on sites like Reviews.com and Safeco. To ensure our content is accura...
Licensed Auto Insurance Agent
Editorial Guidelines: We are a free online resource for anyone interested in learning more about auto insurance. Our goal is to be an objective, third-party resource for everything auto insurance related. We update our site regularly, and all content is reviewed by auto insurance experts.
