High Risk Auto Insurance in Florida
Being labeled a “high-risk driver” in Florida doesn’t mean you can’t get insurance — it just means you need an insurer who specializes in it. At Foxx Insurance, high-risk auto insurance is our bread and butter. We work with carriers that focus on drivers who’ve been turned down elsewhere, and we find coverage that’s affordable, compliant, and fast.
What Makes You a High-Risk Driver?
Insurance companies consider you high-risk if you have any of the following:
- DUI/DWI conviction — the most common high-risk factor in Florida
- Multiple at-fault accidents
- Too many traffic violations or points
- License suspension or revocation
- Lapse in insurance coverage
- SR22 or FR44 filing requirement
- Reckless or aggressive driving citations
- Young or inexperienced drivers (under 25)
- Poor credit history (in states where it’s used for rating)
Types of High-Risk Insurance We Offer
FR44 Insurance
Required after DUI convictions in Florida. Carries higher liability limits ($100,000/$300,000/$50,000). Learn more about FR44 insurance.
SR22 Insurance
Required by other states for various violations. We file SR22s for drivers living in Florida who need to satisfy out-of-state requirements. Learn more about SR22 insurance.
Non-Owner Insurance
Liability coverage for drivers who don’t own a vehicle. Satisfies FR44 and SR22 requirements at a lower cost. Learn more about non-owner insurance.
Standard High-Risk Auto
Full coverage for drivers with poor records who don’t need an FR44 or SR22 but can’t get standard market rates.
How Much Does High-Risk Auto Insurance Cost in Florida?
High-risk auto insurance in Florida typically costs 50-200% more than standard coverage. Here are typical monthly ranges:
| Situation | Estimated Monthly Cost |
|---|---|
| Multiple tickets/points | rates that vary based on individual circumstances |
| At-fault accident history | rates that vary based on individual circumstances |
| DUI with FR44 | costs that vary+/month |
| License reinstatement | rates that vary based on individual circumstances |
| Lapse in coverage | rates that vary based on individual circumstances |
| Young driver (under 25) | rates that vary based on individual circumstances |
| Non-owner policy | rates that vary based on individual circumstances |
How to Lower Your High-Risk Insurance Costs
- Work with a specialist — Foxx Insurance shops multiple high-risk carriers, which often saves 20-40% vs. going to one company
- Maintain continuous coverage — no lapses shows responsibility
- Drive clean — every year without violations helps your rates drop
- Take a defensive driving course — many carriers offer discounts
- Choose your vehicle wisely — older, modest cars are cheaper to insure
- Bundle policies — add renters or home insurance for multi-policy discounts
- Ask about pay-in-full discounts — 6-month or annual payments save 5-15%
How Long Are You Considered High-Risk?
Most violations affect your insurance rates for 3-5 years. DUI convictions can impact rates for 5-7+ years. The good news: rates gradually decrease as violations age off your record. After your FR44 or SR22 period ends (typically 3 years), you’ll see a significant drop.
Why Standard Insurers Won’t Cover You
Companies like GEICO, State Farm, and Progressive are “preferred” or “standard” market insurers. They make money by insuring low-risk drivers. When your record shows DUIs, multiple accidents, or lapses, you become unprofitable for them, so they either:
- Refuse to write your policy
- Non-renew your existing policy
- Quote you an extremely high rate to discourage you
That’s where specialized high-risk carriers come in. They’re built for drivers like you, and their rates — while higher than standard — are much more competitive than what the big companies would charge.
Frequently Asked Questions
Can I get auto insurance with a suspended license in Florida?
Yes. You can purchase a non-owner policy or standard policy even with a suspended license. In fact, you often need insurance (FR44) before you can get your license reinstated.
How long will I be considered high-risk?
It depends on the violation. Most traffic violations affect rates for 3-5 years. DUI convictions can impact rates for 5-7+ years. Maintaining a clean record accelerates the process.
Will my rates ever go back to normal?
Yes. As violations age and eventually fall off your record, your rates will gradually return toward standard levels. Most drivers see significant improvement after 2-3 years of clean driving.
Get High-Risk Auto Insurance Today
Don’t let a high-risk label keep you from getting the coverage you need. Call Foxx Insurance at 877-409-1063 or request a free quote online. We specialize in drivers that other companies turn away.