Who Has the Cheapest Auto Insurance Quotes for Drivers with a Bad Driving Record in Florida?

Who Has the Cheapest Auto Insurance Quotes for Drivers with a Bad Driving Record in Florida?

The vehicle model you are seeking coverage for is a large factor when shopping around for the cheapest auto insurance for drivers with a bad driving record in Florida. Vehicles with lower acceleration and performance, modern passenger safety features, or a positive history of liability claims will cost much less to insure than adrenaline junky models.

The data below illustrates auto insurance premiums for a selection of the most budget-friendly vehicles to buy coverage for.

Cheapest Auto Insurance Rates for Drivers with a Bad Driving Record in Florida
Insured Vehicle Estimated Cost for Full Coverage
Ford Escape Limited 2WD $4,845
Honda CR-V EX 4WD $5,054
Chevrolet Traverse LT AWD $5,212
Ford F-150 XLT Regular Cab 4WD $5,364
Ford Explorer XLT 2WD $5,372
Subaru Forester X AWD $5,434
Toyota Prius $5,440
Dodge Grand Caravan CV $5,536
Toyota RAV4 Limited 2WD $5,666
Hyundai Santa Fe GLS 4WD $5,675
Toyota Tacoma Double Cab TRD Off-Road Package 4WD $5,731
Subaru Outback 2.5I Limited $5,741
Toyota Highlander 4WD $5,731
Ford Edge Limited 2WD $5,823
Chevrolet Malibu LS $5,853
Hyundai Tucson Limited 4WD $5,861
Toyota Sienna XLE $5,853
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Price data assumes single male driver age 50, two speeding tickets, two at-fault accidents, $500 deductibles, and Florida minimum liability limits. Discounts applied include multi-vehicle, multi-policy, and homeowner. Price information does not factor in your specific Florida location which can revise premium rates significantly.

Looking at the numbers, you can assume that makes and models like the Ford Escape, Honda CR-V, Chevrolet Traverse, and Ford F-150 are most likely going to be the most affordable vehicles to insure for bad drivers. Prices will be more expensive just due to the fact that there is more liability risk for drivers with a bad driving record, but overall those models will probably have the cheapest rates compared to other types of vehicles.

Deciphering which companies have the lowest-priced insurance rates for drivers with a bad driving record will take a little more sweat than just getting one or two price quotes.

Every insurance provider has a proprietary method to set policy rates, so let’s take a look at the most affordable insurance companies in Florida.

Best Car Insurance Prices for Imperfect Drivers

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Cheapest insurance companies in Florida
Rank Company Cost Per Year
1 USAA $957
2 Electric $1,712
3 Amica $1,746
4 Progressive $1,829
5 Travelers $1,888
6 Allied $1,926
7 Mercury $1,973
8 Esurance $2,040
9 State Farm $2,047
10 GEICO $2,108
11 Auto-Owners $2,149
12 Allstate $2,317
13 21st Century $2,397
14 Windhaven Insurance $2,653
15 Safeco $2,898
16 MetLife $2,958
17 Liberty Mutual $3,009
18 Hanover $3,024
19 United Automobile $3,457
20 Direct General $3,942
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USAA may have some of the cheapest car insurance rates in Florida at around $957 a year. Electric, Amica, Progressive, and Travelers also make the cut as some of the lowest-priced Florida auto insurance companies.

As shown in the table above, if you buy coverage from Progressive and switched to Electric, you could see a yearly price reduction of in the vicinity of $117. Policyholders with Travelers might save as much as $176 a year, and Allied policyholders might cut rates by $214 a year.

Bear in mind that those policy rates are averages across all drivers and vehicles and and are not figured with a rate surcharge for drivers with a bad driving record. So the company that can offer you the best rate may not even be included in the company chart above. That helps illustrate why you need to quote rates from as many companies as possible using your own specific driver information and vehicle.

When shopping for insurance for bad drivers, one of the many things that determine insurance cost is where you normally keep your vehicle in Florida. Cities with larger populations like Hialeah, Miami, and West Palm Beach tend to have more expensive car insurance rates, whereas areas with less people or fewer weather incidents can boast about having cheaper rates.

The following table ranks the highest-priced places in Florida for drivers with a bad driving record to purchase auto insurance in.

How much is auto insurance in Florida?
Rank City Average Per Year
1 Hialeah $3,630
2 Miami Gardens $3,245
3 Miami $3,177
4 Miami Beach $3,043
5 West Palm Beach $2,679
6 Hollywood $2,630
7 Pompano Beach $2,620
8 Miramar $2,603
9 Tampa $2,532
10 Davie $2,523
11 Fort Lauderdale $2,500
12 Coral Springs $2,499
13 Pembroke Pines $2,431
14 Brandon $2,322
15 St. Petersburg $2,263
16 Clearwater $2,260
17 Spring Hill $2,060
18 Orlando $2,008
19 Jacksonville $1,960
20 Cape Coral $1,917
21 Port St. Lucie $1,916
22 Lakeland $1,827
23 Palm Bay $1,803
24 Tallahassee $1,748
25 Gainesville $1,630
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Price information shown is estimated as specific Florida zip code can impact prices considerably.

Rate increases following a ticket or accident

In a perfect world, the ideal way to receive the most affordable insurance prices for bad drivers is to drive cautiously and avoid accidents and traffic citations. The diagram below shows how speeding tickets and at-fault collisions can drive up premium costs for different categories of driver ages. The rate quotes are based on a single female driver, full physical damage coverage, $100 deductibles, and no discounts are taken into consideration.

In the chart above, the average cost of auto insurance in Florida per year with no accidents and a clean driving record is $2,262. Add in one speeding ticket and the average cost jumps to $2,563, an increase of $301 each year. Then add two accidents along with the one speeding ticket and the 12-month cost of insurance for drivers with a bad driving record jumps again to an average of $5,093. That’s an increase of $2,831, or $236 per month, just for being a careless driver!

Liability-only versus full coverage

Finding the cheapest auto insurance for drivers with a bad driving record in Florida is probably important to most vehicle owners, and an easy way to save on the cost of insurance is to buy only liability coverage. The illustration below illustrates the comparison of insurance premiums with and without full coverage. The data is based on a clean driving record, no at-fault accidents, $250 deductibles, single status, and no discounts are factored in.

If the expense is averaged for all age categories, physical damage coverage costs $2,186 per year over and above liability only. That brings up the question if you should buy full coverage. There is no exact rule to drop comp and collision coverage, but there is a general convention. If the yearly cost of full coverage is about 10% or more of the replacement cost minus the deductible, then you might consider buying liability only.

For example, let’s pretend your vehicle’s replacement cost is $5,000 and you have $1,000 full coverage deductibles. If your vehicle is damaged in an accident, the most you would get paid by your company is $4,000 after the policy deductible has been paid. If it’s costing you more than $400 a year to have full coverage, then it might be time to buy liability only.

There are a few cases where dropping physical damage coverage is not in your best interest. If you still owe money on your vehicle, you have to maintain full coverage in order to prevent your loan from defaulting. Also, if you cannot afford to purchase a different vehicle in the even your car is totaled, you should maintain full coverage.