Florida is already one of the most expensive states for auto insurance, and drivers considered high risk often pay the most for coverage. DUI drivers, speeding tickets, or other violations are usually placed in high-risk groups, along with people living in busy or crime-filled areas, teens, and inadequate credit drivers. You can control some of these factors, but others are out of your hands. We analyzed the latest average fees and a variety of third-party data on customer experience and financial stability to help you find the best, risky car insurance in Florida based on personal factors.
High-risk car insurance rates in Florida
Data analyzed from Quadrant Information Services shows that the average Florida driver will pay $4,151 per year for fully covered car insurance and $1,118 per year for the lowest range of car insurance as of April 2025.
In general, auto insurance companies use around 12 different valuation factors to determine premiums. Of these factors, the driving record is one of the most important. Usually, any type of conviction or accident (even if it’s a non-disability accident) can increase premiums. However, certain types of driving activities can have a higher impact on premiums than other types.
Below we have listed some of the most common high-risk scenarios that increase the average car insurance premium in Florida. We consider how fees differ between carriers, including the average premiums for some of the largest auto insurance companies by market share in the state. It is important to note that other rating factors also affect premiums. Some of the listed carriers may not be willing to extend coverage to certain high-risk drivers.
Fees after speeding tickets in Florida
Speeding tickets are fairly common, but usually, car insurance premiums increase after a speeding conviction. In Florida, the average price for full coverage jumps to $4,829 a year.
How much will your rates increase after speeding tickets differ in Florida? Generally, the faster you advance the speed limit, the more serious the violation becomes. The more serious the violation, the more likely the premium will be. For example, places that were speeding up in schools and construction areas can also play a role.
Insurance companies assess different factors in a variety of ways. The cheapest companies before the violation may be the most expensive after that. Other companies could raise rates for people who use discounts and safe driving programs. The best way to find the cheapest rates for you is to shop and get multiple car insurance quotes.
| Auto insurance company | Florida Premium before Speeding Ticket* | Florida Premium after speeding ticket* | Percentage of difference |
|---|---|---|---|
| farmers | $3,771 | $4,081 | 8% |
| Geico | $4,243 | $5,461 | 29% |
| progressive | $5,443 | $7,221 | 33% |
| State Farm | $3,046 | $3,547 | 16% |
| *All prices are the average annual full coverage rate. |
Post-Accident Fees
Your accident details usually determine how significantly your premiums will increase, but after having an accident, the average Florida driver will pay $5,613 a year. If the insurance company has to pay a large amount of money for property damage, if multiple people are injured, if an accident occurs in the workplace zone, or if you are caught driving under the influence, for example, you are likely to see a higher spike in the premium. Insurance providers may also face a more sudden premium increase or be denied coverage from certain insurers if they have a history of driving frequently.
| Auto insurance company | Florida Premium before the accident* | Florida Premium after the accident* | Percentage of difference |
|---|---|---|---|
| farmers | $3,771 | $5,209 | 38% |
| Geico | $4,243 | $5,418 | 28% |
| progressive | $5,443 | $8,172 | 50% |
| State Farm | $3,046 | $4,096 | 34% |
| *All prices are the average annual full coverage rate. |
Prices after a drunk driving in Florida
A DUI conviction is one of the most serious offences a driver can have in his driving record. In fact, some companies may refuse to sell their policies to drivers convicted of DUI. The average rate below may provide a useful baseline, but if you have a DUI on your record, we recommend contacting the company directly to see if you qualify for coverage. The Florida average driver’s annual full coverage premium spike has now reached $6,145 after DUI conviction.
In addition to the increased premium, Florida may need to carry a financial liability certificate called the FR-44 after a DUI conviction. The FR-44 itself doesn’t increase the premium (other than filing fees), but the liability limit required for one is much higher than what most Florida drivers need, increasing the minimum coverage auto insurance costs.
| Auto insurance company | Florida Premium before dui* | Florida Premium after dui* | Percentage of difference |
|---|---|---|---|
| Direct Auto | $6,134 | $6,514 | 6% |
| farmers | $3,771 | $7,111 | 89% |
| Geico | $4,243 | $6,305 | 49% |
| progressive | $5,443 | $6,187 | 14% |
| *All prices are the average annual full coverage rate. |
Detrimental driver fees
Some states prohibit or limit auto insurers from using credit-based insurance scores to calculate fees, but not Florida. This means that Floridians can expect their credit history to affect how much they pay for coverage. The average Florida driver can expect to pay around $8,312 a year for full coverage insurance.
According to statistics, drivers with inadequate credits file more bills than drivers with good or good credits. To compensate for this increased risk, auto insurance companies typically charge drivers of poor credit class drivers at some of the best rates.
| Auto insurance company | Florida Premium for drivers with credits* | Florida Premium for drivers with poor credits* | Percentage of difference |
|---|---|---|---|
| All State | $3,954 | $7,313 | 85% |
| farmers | $3,771 | $7,787 | 106% |
| Geico | $4,243 | $7,310 | 72% |
| progressive | $5,443 | $9,582 | 76% |
| *All prices are the average annual full coverage rate. |
Fees after coverage expires
It is illegal to drive without insurance in Florida. If your car insurance expires in Florida, the state can suspend your license and force you to carry the FR-44. They may also be considered a high-risk driver and see an average premium increase (though this may depend on your previous driving history and may vary from company to company).
Legality aside, auto insurance offers important financial protection. Compare prices and find the most robust policy that fits your budget, and save you from catastrophic out-of-pocket costs if you have an accident without adequate compensation. You may also save on Florida’s auto insurance, plus paying higher fees that come after the $4,786 annual coverage has passed.
| Auto insurance company | Florida Premium before coverage expires* | Florida Premium after coverage expires* | Percentage of difference |
|---|---|---|---|
| farmers | $3,771 | $4,515 | 20% |
| Geico | $4,243 | $4,284 | 1% |
| progressive | $5,443 | $5,713 | 5% |
| State Farm | $3,046 | $3,088 | 1% |
| *All prices are the average annual full coverage rate. |
Teen driver fees
Being a safe driver doesn’t happen overnight. Developing powerful defensive driving skills requires time and experience. Teens are unfamiliar with the roads and are more likely to engage in more dangerous driving behaviors, such as distracted driving, speeding, and wearing seat belts. As a result, auto insurance companies typically place drivers under the age of 25 in the high-risk auto insurance category and price insurance contracts accordingly. In Florida in particular, adding 16 years of age to the policy for married parents increases the average full coverage rate to $8,182 per year, up from $3,994 per year for childless Florida parents.
Many companies offer a variety of teen driver discounts, including schools and excellent students, such as trained drivers, to help parents pay expensive car insurance costs. Nevertheless, the best thing you can do is to ensure that your teenagers learn good driving habits so that their driving records remain clean (and they keep them safe). Comparing fees from multiple companies can also help you save some money.
| Auto insurance company | Florida Premium for Married Parents Without Childhood | Florida Premium and 16 years old for married parents* | Percentage of difference |
|---|---|---|---|
| All State | $3,674 | $5,894 | 60% |
| farmers | $3,467 | $8,806 | 154% |
| Geico | $4,217 | $8,124 | 93% |
| progressive | $5,311 | $8,532 | 61% |
| *All prices are the average annual full coverage rate. |
Who is the most risky driver?
High-risk drivers are usually those who have one or more of the following:
- Speeding ticket
- Accidents with Disabilities
- I live in a high-risk area
- Being a teenage driver
- dui
- Bad trust
- The progress of coverage
- High-risk vehicle type
Drivers who meet the insurance company’s definition of high-risk drivers are usually charged more for automatic coverage to offset risks associated with potential future losses. High-risk car insurance in Florida usually means that drivers pay more for the same coverage they previously did, but your carrier could drop you completely after a serious violation.
How to lower your rate if you are a high-risk driver
Each insurance company has its own underwriting criteria to determine whether a driver is considered high risk. One company may consider the high risk of drivers with three speeding tickets, while another company can set up this classification after two speeding tickets. One car accident should not significantly change which risk pool you have, but one accident that includes a drunk driving can. Even as a high-risk driver, you may be able to use the following strategies to lower your rates:
- Shopping: As mentioned above, auto insurers charge different rates to drivers, so comparing fees from multiple insurers will give you a better idea of your choice.
- Compare discounts: Most insurers offer multiple discounts to reduce premiums. Many companies offer many of the same options, but how much money each company saves can be different.
- Think about your car: The make and model of the vehicle affects the rates, and new cars usually cost more to get insurance. If you are already in the market for new vehicles, you may want to research a bit about the costs that will cost you to help you determine which cars are right for your budget.
- Improve your credit: Those with a lower credit score are more likely to file a claim than those with a higher credit score. Increase your credit score and ask your insurance provider to rerun your credit information, which could reduce your premium in Florida.
- Consider the deduction amount: Both conflict and comprehensive insurance have deductions. Choosing a higher deductible will lower your premiums, but if you need to file a claim, you will need to pay more pockets.
- Drive safely: Even if you have some dings on your record, avoiding tickets and accidents will help you get out of the high-risk rating category in a few years. Also, signing up for a telematics program will help you show your insurance company that you are maintaining a safe habit behind the wheel.
FAQ
Methodology
Bankrate uses Quadrant Information Services to analyze April 2025 fees for all ZIP codes and carriers in all 50 states. The cited fees are based on 40-year-old male and female drivers with clean driving records, good credits and the following full coverage limits:
- $100,000 per person physical injury liability
- $300,000 for each accident
- Liability for property damages of $50,000 per accident
- Uninsured driver physical injury for $100,000 per person
- Uninsured driver’s physical injury for $300,000 per accident
- $500 collision deduction possible
- Comprehensive $500 deduction
To determine the minimum coverage limit, bank rates used minimum coverage to meet the requirements of each state. Our base profile driver owns a 2023 Toyota Camry, commutes five days a week and drives 12,000 miles a year. Bundles and paperless billing discounts apply.
These are sample rates and should be used for comparison purposes only. Your quote is different.
If specified, the base profile has been modified with the following driver characteristics:
