Florida Car Insurance for Bad Credit Drivers
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Written byA.M. Steinbach
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Full-time writer for 5+ years
Two-time Emmy Award nominee
A Harvard graduate, Mark has worked as a freelance personal finance and tech writer. He’s also written for Saturday Night Live.
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Edited byJohn Leach
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John LeachSenior Insurance Copy Editor
Licensed property and casualty insurance agent
8+ years editing experience
John leads Insurify’s copy desk, helping ensure the accuracy and readability of Insurify’s content. He’s a licensed agent specializing in home and car insurance topics.
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Updated November 21, 2024
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Table of contents
Cheapest Companies for Drivers With Bad Credit in Florida (2022)
For drivers with bad credit in Florida, it's important that you evaluate all of your potential insurance options to ensure you are finding the best rate. Comparing the right insurance companies will allow you to get the best possible insurance rate for drivers with bad credit.
To simplify comparing companies, Insurify has analyzed rates from top insurance providers in Florida. The following are the best insurance rates from carriers that offer car insurance for drivers with bad credit in Florida.
Carrier ▲▼ | Avg. Monthly Cost The car insurance quotes, statistics, and data visualizations on this page are derived from Insurify’s proprietary database of over 4 million car insurance applications from ZIP codes across the United States. Insurify’s data science team performs a comprehensive analysis of the various factors car insurance providers take into account while setting rates to provide readers insight into how car insurance quotes are priced. ▲▼ |
|---|---|
| GAINSCO | $222 |
| Bristol West | $239 |
| Direct Auto | $256 |
| Pronto Insurance | $260 |
| Safeco Insurance | $267 |
| AssuranceAmerica | $281 |
| Travelers | $291 |
| The General | $328 |
| Dairyland Insurance | $336 |
| Liberty Mutual | $353 |
Bad Credit Car Insurance in Florida
With a warm, tropical climate and lots of beaches to enjoy, Florida is the ultimate vacation getaway. But if you call Florida home, will a bad credit score bring down your mood as you shop for car insurance?
Unfortunately, a less-than-stellar credit score may make it harder for you to find cheap car insurance in Florida. While credit score isn't the only factor that goes into determining your rates, Florida is one of many states that lets auto insurance companies take your credit history into account when deciding how much to charge you.
Florida Car Insurance Rates for Bad Credit Drivers
Disclaimer: Table data sourced from real-time quotes from Insurify's 50-plus partner insurance providers. Actual quotes may vary based on the policy buyer's unique driver profile.
Insurify's comparison tool will help you make sure you're getting the best possible quote even with a bad credit rating. You can have peace of mind you're not paying any more than need to, and customers save $48 per month on average.
How Much Does Bad Credit Impact Car Insurance Rates in Florida?
Drivers in Florida with bad credit pay about 17 percent more for car insurance on average than drivers with a good credit score.
In general, Florida's car insurance rates are on the pricier end, which means adding bad credit (and another $50 per month) to your car insurance rate can put a major dent in your wallet.
Disclaimer: Table data sourced from real-time quotes from Insurify's 50-plus partner insurance providers. Actual quotes may vary based on the policy buyer's unique driver profile.
Can I Get Car Insurance With No Credit Check in Florida?
In Florida, car insurance companies are allowed to take a look at your credit score before setting your car insurance rate. So in most cases, you will undergo a credit check as you shop for car insurance in Florida.
But if you have a bad credit score, you still have some options. You could seek out a car insurance company that advertises no credit checks—though keep in mind they may inflate their prices as a result. Or you could seek out a major car insurance carrier like GEICO that has been known to offer reasonable rates for those with poor credit.
Florida Car Insurance Rates by Credit Tier
In Florida, average car insurance costs correlate pretty closely with credit tier. Those with excellent credit pay the least on average, at $267 per month. Meanwhile, those with poor credit pay nearly $60 more for car insurance on average, at $325 per month.
Credit Tier ▲▼ | Avg. Monthly Cost The car insurance quotes, statistics, and data visualizations on this page are derived from Insurify’s proprietary database of over 4 million car insurance applications from ZIP codes across the United States. Insurify’s data science team performs a comprehensive analysis of the various factors car insurance providers take into account while setting rates to provide readers insight into how car insurance quotes are priced. ▲▼ |
|---|---|
| Excellent | $267 |
| Good | $298 |
| Average | $300 |
| Poor | $325 |
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Car Insurance Rates With Bad Credit in Florida Cities
Florida is full of colorful cities, each with its own identity. But how will the city you call home affect your car insurance rates if you have bad credit? In general, Miami is the most expensive city for drivers with bad credit, while Jacksonville in the northern part of the state has more affordable rates.
City ▲▼ | Credit Tier ▲▼ | Avg. Monthly Cost The car insurance quotes, statistics, and data visualizations on this page are derived from Insurify’s proprietary database of over 4 million car insurance applications from ZIP codes across the United States. Insurify’s data science team performs a comprehensive analysis of the various factors car insurance providers take into account while setting rates to provide readers insight into how car insurance quotes are priced. ▲▼ |
|---|---|---|
| Orlando | Poor | $341 |
| Jacksonville | Poor | $307 |
| Tampa | Poor | $431 |
| Miami | Poor | $484 |
| Kissimmee | Poor | $346 |
| Fort Lauderdale | Poor | $387 |
Tips for Researching Bad Credit Florida Car Insurance Rates
Insurance prices and policies can vary significantly between companies, and a state like Florida draws a wide variety of choices when factoring insurance rates for drivers with bad credit.
Insurify's rate comparison tool will help you make sure you're getting the best possible quote based on your needs and location. You can have peace of mind you're not paying any more than you need to, and customers save $585 per year on average.
Compare Top Auto Insurance Companies
Use Insurify for all of your car insurance comparison needs! Compare and connect directly with the top insurance companies to find the best rates as well as the most personalized discounts and coverage options. Insurify’s network includes over 200 insurance companies throughout the U.S. who can work with you to get you the right auto insurance policy at the cheapest price. See All Auto Insurance Companies
FAQs - Florida Car Insurance
Why is car insurance so expensive in Florida?
There are many different factors that go into the how expensive your car insurance is. That said, some of the reasons why you could be paying so much for your insurance include: living in a state with high minimum insurance requirements, being a young or new driver, committing past traffic offenses like at-fault accidents or DUIs, and having a low credit score.
Do car insurance rates vary by county in Florida?
Auto insurance costs will vary between locations and insurance carriers, depending on the county Florida. Insurify analyzed the latest data for the five most populous cities in Florida to find you the cheapest quotes in each of these metropolitan areas.
Which providers have the best auto insurance ratings in Florida?
The way to find the carrier with the best auto insurance ratings in Florida and save on your insurance premiums is to compare quotes from all companies in your area. Use a car insurance quotes comparison site like Insurify to compare up to 10+ real quotes for your specific driver profile and unlock savings and discounts. Rates can fluctuate greatly based on whether you're a safe driver or a high risk one, but you should never overpay. Insurify provides the cheapest car insurance quotes and companies in your area in just a few seconds.
How much do annual auto insurance rates increase in Florida?
During the past three years in the United States, national premium costs have risen an average of 4.5 percent annually. In states where quotes have risen, this figure has been 7.8 percent; and in those where rates have fallen, prices have decreased by approximately 6.0 percent. Individual rates by state will of course vary depending on the driver’s history and a multitude of factors.
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Methodology
Insurify data scientists analyzed more than 90 million quotes served to car insurance applicants in Insurify’s proprietary database to calculate the premium averages displayed on this page. These premiums are real quotes that come directly from Insurify’s 50+ partner insurance companies in all 50 states and Washington, D.C. Quote averages represent the median price for a quote across the given coverage level, driver subset, and geographic area.
Unless otherwise specified, quoted rates reflect the average cost for drivers between 20 and 70 years old with a clean driving record and average or better credit (a credit score of 600 or higher).
Liability-only premium averages correspond to policies with the following coverage limits:
- Bodily injury limits between state-minimum rates and $50,000 per person, $100,000 per accident
- Property damage limits between $10,000 and $50,000
- No additional coverage
- Comprehensive coverage with a $1,000 deductible
- Collision coverage with a $1,000 deductible
Quotes for Allstate, Farmers, GEICO, State Farm, and USAA are estimates based on Quadrant Information Services’ database of auto insurance rates.
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A.M. SteinbachInsurance Writer
A.M. is a Brooklyn-based writer, editor, and content marketing strategist who's worked with major brands in insurance, tech, finance, and healthcare. He also contributes to The Average Joe, a personal finance newsletter that reaches over 250,000 daily readers. Since 2019, he's written for Insurify, breaking down a diverse range of insurance topics into crisp, readable prose.
John LeachSenior Insurance Copy Editor
Licensed property and casualty insurance agent
8+ years editing experience
John leads Insurify’s copy desk, helping ensure the accuracy and readability of Insurify’s content. He’s a licensed agent specializing in home and car insurance topics.
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