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

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
VehicleEstimated 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.

Best Insurance Companies for Imperfect Drivers

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Cheapest insurance companies in Florida
RankCompanyCost Per Year
1USAA$957
2Electric$1,746
3Amica$1,746
4Progressive$1,775
5Travelers$1,869
6Mercury$1,914
7Allied$1,985
8Esurance$2,102
9Auto-Owners$2,107
10GEICO$2,108
11State Farm$2,131
12Allstate$2,388
1321st Century$2,445
14Windhaven Insurance$2,627
15MetLife$2,870
16Safeco$2,898
17Hanover$2,964
18Liberty Mutual$3,039
19United Automobile$3,422
20Direct 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.

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?
RankCityPremium Per Year
1Hialeah$3,630
2Miami$3,177
3Miami Gardens$3,149
4Miami Beach$2,923
5Tampa$2,636
6Miramar$2,629
7West Palm Beach$2,599
8Pompano Beach$2,595
9Hollywood$2,552
10Fort Lauderdale$2,500
11Coral Springs$2,474
12Davie$2,448
13Pembroke Pines$2,407
14Brandon$2,298
15St. Petersburg$2,263
16Clearwater$2,260
17Spring Hill$2,039
18Orlando$2,008
19Port St. Lucie$1,994
20Jacksonville$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
ProgressiveGeicoAllstateState Farm
Claims Rank4th3rd1st2nd
Discounts Available4th2nd1st3rd
Customer Satisfaction3rd1st2nd4th
Overall Cost3rd1st4th2nd
U.S. market share9.1%11.9%9.7%18.3%
Recommend by customers88%87%86%88%
Roadside serviceYesYesYesYes
Breakdown insuranceYesYesNoNo
Accident forgivenessYesYesYesNo
Rate for vehicle usageYesNoYesYes
Uber and Lyft insuranceYesYesYesYes
New car replacement insuranceNoNoYesNo
Insure in FloridaYesYesYesYes
Insurance AgentsBuy online or from an independent agentBoth online and from Geico agentsCan only buy from Allstate agentsState Farm-only agents
Number of agents30,000+150+11,000+18,000+
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