Car Insurance After an Accident in Florida: Rates & Best Companies (2026)
Quick Answer
An at-fault accident in Florida increases insurance by 51%, raising full coverage from $3,945/year to $5,957/year. Some companies like Allstate offer accident forgiveness that prevents the first increase.
✓ Updated March 2026✓ Based on state insurance filings
Before Accident
$329/mo
After At-Fault Accident (+51%)
$496/mo
Cheapest Companies After Accident in Florida
| Company | Monthly | Annual | Best For |
|---|---|---|---|
| CheapestUSAA | $367/mo | $4,408/yr | Military families |
| Erie Insurance | $392/mo | $4,706/yr | Rate lock guarantee |
| GEICO | $407/mo | $4,885/yr | Clean driving record |
| Progressive | $437/mo | $5,242/yr | Telematics savings |
| State Farm | $452/mo | $5,421/yr | Good students |
| Travelers | $472/mo | $5,659/yr | Multiple discounts |
| Nationwide | $516/mo | $6,195/yr | Bundling home + auto |
| Farmers | $536/mo | $6,434/yr | Signal telematics |
| Allstate | $556/mo | $6,672/yr | Accident forgiveness |
| Liberty Mutual | $586/mo | $7,029/yr | New car replacement |
USAACheapest
Monthly
$367/mo
Annual
$4,408/yr
Best for: Military families
Erie Insurance
Monthly
$392/mo
Annual
$4,706/yr
Best for: Rate lock guarantee
GEICO
Monthly
$407/mo
Annual
$4,885/yr
Best for: Clean driving record
Progressive
Monthly
$437/mo
Annual
$5,242/yr
Best for: Telematics savings
State Farm
Monthly
$452/mo
Annual
$5,421/yr
Best for: Good students
Travelers
Monthly
$472/mo
Annual
$5,659/yr
Best for: Multiple discounts
Nationwide
Monthly
$516/mo
Annual
$6,195/yr
Best for: Bundling home + auto
Farmers
Monthly
$536/mo
Annual
$6,434/yr
Best for: Signal telematics
Allstate
Monthly
$556/mo
Annual
$6,672/yr
Best for: Accident forgiveness
Liberty Mutual
Monthly
$586/mo
Annual
$7,029/yr
Best for: New car replacement
These are estimates based on state averages. Your exact rate depends on your specific profile.
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How to Lower Rates After an Accident
- Take a defensive driving course (5-10% discount in most states)
- Increase your deductible to $1,000 or higher
- Shop around — rates vary 50%+ between companies after an accident
- Ask about accident forgiveness programs
- Bundle home and auto for additional savings
- Maintain continuous coverage without lapses