It happened at 2:00 AM at U-S Highway 90 and State Road 4 in Okaloosa County just west of Crestview.
The Florida Highway Patrol identified the fatality as Jamie Aaron Smith, 29 of Evergreen, Alabama.
Troopers say Smith crashed into the rear of a car slowing for a stop sign. He then left the roadway and crashed into a utility pole and then a tree.
The other car, driven by 49 year old Zena Vaughn of Ohio, was pushed across the highway and it crashed into a tree. Zena is listed in critical condition. A passenger in her car 50 year old Calvin Vaughn, was listed in serious condition.