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.
|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|
|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
|Rank||Company||Cost Per Year|
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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.
|Rank||City||Premium Per Year|
|7||West Palm Beach||$2,599|
|19||Port St. Lucie||$1,994|
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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.
|U.S. market share||9.1%||11.9%||9.7%||18.3%|
|Recommend by customers||88%||87%||86%||88%|
|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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