Merrill Burchell, Car Insurance Writer
You’ll need high-risk auto insurance in Florida if you’ve caused a crash or committed a major violation like speeding at least 10 miles over the limit, distracted driving, reckless driving, DUI/DWI or racing. You can also be classified as high risk by your insurance company if you are under 25 years old (or a new driver of any age), if you have poor credit, or if you make multiple insurance claims. Even just one personal injury protection (PIP) claim could do the trick. PIP fraud is so common in Florida that insurance companies in the state are reluctant to cover anyone who has made this type of claim.
Florida high-risk auto insurance can be pretty expensive, and your choice of insurers may be limited. Some regional and smaller companies do not sell high-risk policies at all. But if you need high-risk auto insurance at a reasonable price in Florida, there are options. The General and GEICO tend to offer good rates to high-risk drivers, and both provide coverage in Florida. State Farm, Allstate, Nationwide, Metlife, Progressive, and USAA also sell high-risk auto policies in the state. Your best option is to contact several of these companies and ask for quotes. Hopefully, you will find more than one that will insure you, and you can select whichever offers the coverage and price that best fit your needs and budget.
However, some Florida drivers are so risky that they are unable to buy coverage from a private insurer. The state-run Florida Automobile Joint Underwriting Association (FAJUA) was created to provide insurance specifically to these individuals. All insurers that write auto liability or physical damage insurance in Florida must be members of FAJUA and contribute to the pool of funds that covers FAJUA policyholders.
To get insurance through FAJUA, you must first prove that private companies have denied you coverage. FAJUA offers similar insurance to that sold by private insurers, but at a higher cost. FAJUA is a last-resort insurer. If you need to use them for your insurance, think of it as a temporary solution.
Accidents and violations will generally move off your insurance records and stop affecting your risk level in 3-5 years. Meanwhile, take steps to improve your credit, keep your driving record clean, and aim to move back into the regular insurance market as soon as possible.
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