One of the more important criteria that determine car insurance rates is where you choose to live. Areas with high crime rates or more dense population like Hialeah, Miami, and West Palm Beach are more likely to pay higher prices, whereas areas with less people or fewer weather incidents have the luxury of cheap car insurance rates.

The illustration below rates the highest-priced places in Florida with multiple speeding tickets in which to purchase auto insurance.

Florida cities ranked by car insurance cost
Rank City Annual Rate
1 Hialeah $3,595
2 Miami Gardens $3,277
3 Miami $3,177
4 Miami Beach $2,953
5 West Palm Beach $2,679
6 Miramar $2,629
7 Tampa $2,558
8 Pompano Beach $2,543
9 Hollywood $2,526
10 Pembroke Pines $2,481
11 Fort Lauderdale $2,475
12 Coral Springs $2,474
13 Davie $2,448
14 Brandon $2,392
15 St. Petersburg $2,286
16 Clearwater $2,260
17 Spring Hill $2,039
18 Orlando $2,029
19 Jacksonville $1,960
20 Port St. Lucie $1,916
21 Cape Coral $1,898
22 Lakeland $1,883
23 Palm Bay $1,733
24 Tallahassee $1,731
25 Gainesville $1,646
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Table data uses estimated as the specific zip code location can modify insurance rates noticeably.

Buying reasonably-priced auto insurance is not the easiest thing to do, and finding out which companies quote the best insurance rates with multiple speeding tickets in Florida takes even more work.

Each auto insurance company has a proprietary method for setting prices, so we'll go over the insurance companies that tend to have lower prices in Florida. It's important that readers know that Florida insurance rates are calculated based on many things which can substantially change the price you have to pay. This price fluctuation is why Florida drivers need to spend some time comparing rates to find affordable insurance quotes with multiple speeding tickets. Insurance rates can be altered by many factors and can change substantially, so the cheapest option when you last compared rates may now cost much more than other companies.

Cheapest Insurance Rates with License Points

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Cheapest Florida car insurance ranked by price
Rank Company Cost Per Year
1 USAA $957
2 Amica $1,712
3 Electric $1,746
4 Progressive $1,847
5 Travelers $1,888
6 Mercury $1,933
7 Allied $2,004
8 State Farm $2,068
9 Esurance $2,082
10 Auto-Owners $2,085
11 GEICO $2,172
12 Allstate $2,388
13 21st Century $2,445
14 Windhaven Insurance $2,653
15 MetLife $2,900
16 Hanover $2,934
17 Safeco $2,987
18 Liberty Mutual $3,131
19 United Automobile $3,457
20 Direct General $3,902
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USAA has some of the most affordable car insurance rates in Florida at around $957 per year. This is $1,491 less than the average premium paid by Florida drivers of $2,448. Amica, Electric, Progressive, and Travelers also qualify as some of the lowest-priced Florida car insurance companies.

As illustrated above, if you currently buy coverage from Travelers and switched to Amica, you may see savings of in the vicinity of $176. Customers with Mercury may save as much as $221 a year, and Allied insureds might lower prices by $292 a year.

To find out how your current rates compare, click here to start your custom quote or quote prices from the following companies.

These policy prices are averaged across all insureds and vehicles and do not factor in a rate discount with multiple speeding tickets. So the insurer that is best suited for you may not even be in the top 21 companies in the list above. That helps illustrate why you need to get quotes using your own specific driver information and vehicle.

The vehicle driven is one of the largest factors that determines if you can find the most affordable car insurance with multiple speeding tickets. Vehicles with reasonable performance levels, good crash test ratings, or a low likelihood of liability claims will cost significantly less to insure than adrenaline junky models. The next list illustrates coverage costs for a handful of the most budget-friendly automobiles to buy insurance for.

Cheapest Vehicles to Insure with Multiple Speeding Tickets in Florida
Make and Model Estimated Cost for Full Coverage
Honda Accord LX-P 4-Dr Sedan $1,745
Honda CR-V LX 2WD $1,865
Ford Escape XLS 2WD $1,907
Jeep Wrangler Rubicon 4WD 2-Dr $1,952
Ford F-150 XLT Regular Cab 4WD $1,961
Ford Focus S 4-Dr Sedan $2,029
Volkswagen Jetta S 2.5 Station Wagon $2,032
Toyota Prius $2,074
Dodge Grand Caravan CV $2,082
Dodge Ram 3500 Crew Cab Laramie 2WD $2,109
Chevrolet Impala LTZ $2,184
Chevrolet Equinox LT 2WD $2,206
Toyota Tacoma 2WD $2,216
Ford Edge Limited 2WD $2,206
GMC Sierra SL Crew Cab 4WD $2,224
Chevrolet Silverado LTZ Extended Cab 4WD $2,233
Jeep Grand Cherokee SRT-8 4WD $2,224
Ford Explorer Eddie Bauer 4WD $2,249
Toyota RAV4 2WD $2,254
Chevrolet Malibu Hybrid $2,259
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Prices based on single male driver age 30, two speeding tickets, no at-fault accidents, $1,000 deductibles, and Florida minimum liability limits. Discounts applied include multi-vehicle, claim-free, homeowner, and multi-policy. Rate information does not factor in specific location which can change premium rates greatly.

Based upon these rates, we can infer that cars like the Honda Accord, Honda CR-V, Ford Escape, and Jeep Wrangler should be some of the cheaper vehicles to insure after a few driving violations.

Safe drivers Florida pay cheaper rates

The common sense way to get the most affordable insurance rates after a few driving violations is to drive cautiously and avoid accidents and traffic violations. The information below demonstrates how traffic citations and accidents can increase insurance prices for different categories of driver ages. The rates are based on a married male driver, comprehensive and collision coverage, $1,000 deductibles, and no discounts are factored in.

The data charted above shows the average cost of auto insurance in Florida per year with no violations or accidents is $1,610. Get two speeding tickets and the average cost jumps to $2,214, an increase of $604 each year. Then include one accident along with the two speeding tickets and the yearly cost of insurance with multiple speeding tickets in Florida jumps again to an average of $2,828. That's an increase of $1,218, or $102 per month, just for not paying attention while driving!

The chart below highlights how deductible choice can impact insurance costs when trying to find cheap insurance with multiple speeding tickets in Florida. The premiums assume a single female driver, comp and collision included, and no additional discounts are factored in.

In the chart above, a 50-year-old driver could lower their policy premium by $462 a year by switching their comprehensive and collision coverages from a $100 deductible up to a $500 deductible, or save $698 by using a $1,000 deductible. Young drivers, like the Age 20 chart data, could save $1,174 annually by using higher deductibles when buying full coverage. If you do make the decision to raise your deductibles, it is necessary to have plenty of savings on hand to enable you to pay the extra out-of-pocket expense. That is the one disadvantage of using higher deductibles.

Get discounts on Florida car insurance

Insurance providers that offer cheap quotes with multiple speeding tickets may also offer policy discounts that could potentially reduce rates by 30% or more if you meet eligibility requirements. Popular insurance companies and a selection of discounts are outlined below.

The chart below illustrates the comparison of car insurance rates with and without discounts being applied to the rates. The premiums assume a female driver, three citations and no at-fault accidents, Florida state minimum liability limits, comp and collision included, and $100 deductibles.

The first bar for each age group shows the average annual price with no discounts. The lower bar shows the rates with paid-in-full, multiple policy, multiple vehicle, continuous coverage, paperless filing, and marriage discounts applied. When discounts are applied, theamount saved on insurance with multiple speeding tickets is 28% or $973.

Don't stick with an overpriced policy

Florida insurance rates are based on many factors that control the cost of coverage. Improving your credit score, buying another vehicle, or getting a few speeding tickets can trigger changes in premium resulting in some rates now being more affordable than the competition. In addition to those changes, car insurance companies amend premium rates every year to adjust for gains or losses. An extended period of higher than normal claims can cause a rate increase, while lower claim expenses may result in cheaper Florida car insurance rates.

To illustrate this example, the data below shows the company with the cheapest car insurance in Florida for a 30-year-old male driver with no prior accidents, a clean driving record, and a good credit history. Based on his current risk factors, USAA has the cheapest car insurance rates in Florida at $957 a year. This is $1,491 less than the average premium paid by Florida drivers of $2,448. Electric, Amica, Progressive, and Travelers are the rest of the top five cheapest Florida auto insurance companies.

The example below compares rates after we give the driver in the first chart an at-fault accident, a lower credit score, and a stop sign violation. Because each company has a unique formula to establish rates, comparing prices may now show a completely different list of the cheapest car insurance companies in Florida as shown below.

USAA now has the best insurance rate in Florida with Allied, Esurance, State Farm, and GEICO also being competitive. This example shows why Florida drivers need to compare as many rates as possible when trying to get the most affordable auto insurance quotes with multiple speeding tickets. Insurance rates can be determined by many things and can decrease or increase without notice, so the lowest-price company six months ago may now be quite expensive.