Car Insurance with Bad Credit in Florida (2026)
Quick Answer
Bad credit in Florida increases car insurance by 88%, raising full coverage from $3,945/year to $7,417/year.
✓ Updated March 2026✓ Based on state insurance filings
Good Credit
$329/mo
Poor Credit (1.88x)
$618/mo
Best Companies for Bad Credit in Florida
| Company | Monthly | Annual | Best For |
|---|---|---|---|
| CheapestUSAA | $457/mo | $5,489/yr | Military families |
| Erie Insurance | $488/mo | $5,859/yr | Rate lock guarantee |
| GEICO | $507/mo | $6,082/yr | Clean driving record |
| Progressive | $544/mo | $6,527/yr | Telematics savings |
| State Farm | $562/mo | $6,749/yr | Good students |
| Travelers | $587/mo | $7,046/yr | Multiple discounts |
| Nationwide | $643/mo | $7,714/yr | Bundling home + auto |
| Farmers | $668/mo | $8,010/yr | Signal telematics |
| Allstate | $692/mo | $8,307/yr | Accident forgiveness |
| Liberty Mutual | $729/mo | $8,752/yr | New car replacement |
USAACheapest
Monthly
$457/mo
Annual
$5,489/yr
Best for: Military families
Erie Insurance
Monthly
$488/mo
Annual
$5,859/yr
Best for: Rate lock guarantee
GEICO
Monthly
$507/mo
Annual
$6,082/yr
Best for: Clean driving record
Progressive
Monthly
$544/mo
Annual
$6,527/yr
Best for: Telematics savings
State Farm
Monthly
$562/mo
Annual
$6,749/yr
Best for: Good students
Travelers
Monthly
$587/mo
Annual
$7,046/yr
Best for: Multiple discounts
Nationwide
Monthly
$643/mo
Annual
$7,714/yr
Best for: Bundling home + auto
Farmers
Monthly
$668/mo
Annual
$8,010/yr
Best for: Signal telematics
Allstate
Monthly
$692/mo
Annual
$8,307/yr
Best for: Accident forgiveness
Liberty Mutual
Monthly
$729/mo
Annual
$8,752/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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