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Best Cheap Car Insurance for Drivers with a Bad Driving Record in Florida

Enter your Florida zip code below to view companies that have cheap auto insurance rates.

Jeffrey Johnson graduated summa cum laude from the University of Baltimore School of Law and has worked in legal offices and nonprofits in Maryland, Texas, and North Carolina. He has also earned an MFA in screenwriting from Chapman University and worked in film, education, and publishing. His professional writing has appeared on sites like The Manifest and Vice, and he is the author of a novel ...

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UPDATED: Apr 3, 2020

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The words “economical” and “auto insurance” probably shouldn’t be used in the same sentence, in particular when searching for the cheapest coverage for drivers with a bad driving record. To help control this cost, let’s get started by showing you a few of the things that have a considerable impact on car insurance prices, and figure out some ways to slash the price of your next policy.

The vehicle on the policy is probably the biggest factor that determines the availability of the lowest-priced auto insurance for drivers with a bad driving record. Vehicles with more horsepower, a lack of modern safety features, or a history of substantial liability claims will cost quite a bit more to insure than safer, lower-performance models.

The next list ranks auto insurance rates for a number of the most cost-effective vehicles to buy coverage for.

Cheapest Auto Insurance Rates for Drivers with a Bad Driving Record in Florida
Vehicle Estimated Cost for Full Coverage
Honda CR-V EX 2WD $4,158
Ford Escape XLS 4WD $4,266
Chevrolet Traverse LS AWD $4,405
Toyota Prius $4,595
Hyundai Tucson GLS 4WD $4,702
Ford F-150 XL Super Cab 2WD $4,772
Volkswagen Jetta 2.0T Station Wagon $4,822
Kia Forte EX 4-Dr Sedan $4,829
Ford Explorer XLT AWD $4,855
Subaru Forester XT AWD $4,872
Toyota Tacoma 2WD $4,875
Toyota RAV4 2WD $4,922
Ford Focus SE 4-Dr Sedan $5,034
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Data assumes married male driver age 30, two speeding tickets, two at-fault accidents, $1,000 deductibles, and Florida minimum liability limits. Discounts applied include multi-policy, multi-vehicle, and homeowner. Price estimates do not factor in Florida location which can impact insurance rates substantially.

Looking at the data, we can tell that makes and models like the Honda CR-V, Ford Escape, Chevrolet Traverse, Toyota Prius, and Hyundai Tucson will definitely be the most affordable vehicles to insure for bad drivers. Car insurance rates will be more expensive just because there is more liability risk for drivers with a bad driving record, but generally speaking those particular vehicles will most likely have the best insurance prices compared to other types of vehicles.

Shopping around for low-priced auto insurance is tough enough, and finding out which companies have the most affordable auto insurance rates for drivers with a bad driving record will involve more quotes for comparison. Premiums may be significantly greater than the average rate in Florida attributed to the potential for higher claims that comes with selling coverage for bad drivers, but competitively-priced insurance should be achievable if you carefully shop around. Each auto insurance company uses a little different formula to determine rates, so we’ll take a look at the auto insurance companies that tend to be cheaper in Florida.

It’s a good idea to be aware that Florida auto insurance rates are impacted by many factors that may substantially change the cost of your policy. Getting older, moving to a different location, or getting caught speeding can cause premium changes resulting in some companies being cheaper than others.

Enter your zip code below to view companies that have cheap auto insurance rates.

Cheapest insurance companies in Florida
Rank Company Cost Per Year
1 USAA $957
2 Electric $1,746
3 Amica $1,746
4 Progressive $1,775
5 Travelers $1,869
6 Mercury $1,914
7 Allied $1,985
8 Esurance $2,102
9 Auto-Owners $2,107
10 GEICO $2,108
11 State Farm $2,131
12 Allstate $2,388
13 21st Century $2,445
14 Windhaven Insurance $2,627
15 MetLife $2,870
16 Safeco $2,898
17 Hanover $2,964
18 Liberty Mutual $3,039
19 United Automobile $3,422
20 Direct General $3,942
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USAA offers some of the cheapest car insurance rates in Florida at around $957 per year. Electric, Amica, Progressive, and Travelers are also some of the best Florida car insurance companies.

As shown in the table above, if you currently buy coverage from Progressive and switched to USAA, you could earn savings of roughly $818. Drivers with Travelers might save as much as $912 a year, and Mercury insureds might reduce rates by $957 a year.

To find out how your current rates compare, click here to start a quote or visit several of the following companies.

Enter your zip code below to view companies that have cheap auto insurance rates.

These premiums are averages for all types of insureds and vehicles and are not factoring in a price surcharge for drivers with a bad driving record. So the car insurance company that fits you best may not even be featured in the list of companies shown earlier. That affirms the importance of why you need to quote rates from many companies using your own driver and vehicle profiles.

One of the many criteria used to calculate the annual cost of car insurance is where your car is garaged. Areas with more people or even just a higher incidence of claims like Hialeah, Miami Gardens, and Tampa tend to have higher auto insurance costs, whereas areas with fewer weather claims and lower vehicle theft rates profit from lower rates.

The table below lists the more expensive cities in Florida for drivers with a bad driving record to buy an auto insurance policy in.

How much is auto insurance in Florida?
Rank City Premium Per Year
1 Hialeah $3,630
2 Miami $3,177
3 Miami Gardens $3,149
4 Miami Beach $2,923
5 Tampa $2,636
6 Miramar $2,629
7 West Palm Beach $2,599
8 Pompano Beach $2,595
9 Hollywood $2,552
10 Fort Lauderdale $2,500
11 Coral Springs $2,474
12 Davie $2,448
13 Pembroke Pines $2,407
14 Brandon $2,298
15 St. Petersburg $2,263
16 Clearwater $2,260
17 Spring Hill $2,039
18 Orlando $2,008
19 Port St. Lucie $1,994
20 Jacksonville $1,980
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Information shown are comparative as the specific Florida residence address can alter prices considerably.

Progressive, Geico, Allstate, and State Farm: Who is cheapest?

When comparing rates for car insurance for bad drivers, the most popular companies are Progressive, Geico, Allstate, and State Farm. Combined they insure nearly half of all car insurance policies in America. All offer your standard physical damage and liability coverages, but each one has a different combination of discounts, features, and options that may influence which company you choose. The next table ranks price, claims, and customer service ratings, as well as some optional coverages you can expect with each one.

Top U.S. Car Insurance Company Ratings
Progressive Geico Allstate State Farm
Claims Rank 4th 3rd 1st 2nd
Discounts Available 4th 2nd 1st 3rd
Customer Satisfaction 3rd 1st 2nd 4th
Overall Cost 3rd 1st 4th 2nd
U.S. market share 9.1% 11.9% 9.7% 18.3%
Recommend by customers 88% 87% 86% 88%
Roadside service Yes Yes Yes Yes
Breakdown insurance Yes Yes No No
Accident forgiveness Yes Yes Yes No
Rate for vehicle usage Yes No Yes Yes
Uber and Lyft insurance Yes Yes Yes Yes
New car replacement insurance No No Yes No
Insure in Florida Yes Yes Yes Yes
Insurance Agents Buy online or from an independent agent Both online and from Geico agents Can only buy from Allstate agents State Farm-only agents
Number of agents 30,000+ 150+ 11,000+ 18,000+
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