Cheap DUI Car Insurance in Florida (With Quotes)
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Written byDoug Shaffer
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Doug ShafferInsurance Writer
Doug Shaffer works as a content writer. He has had the opportunity to write for several national insurance carriers in the past and brings with him over six years of experience working with both business and consumer products. He enjoys being able to break down complex insurance jargon to allow consumers to fully understand their policies.
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Edited byJohn Leach
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John LeachSenior Insurance Copy Editor
Licensed property and casualty insurance agent
8+ years editing experience
John leads Insurify’s copy desk, helping ensure the accuracy and readability of Insurify’s content. He’s a licensed agent specializing in home and car insurance topics.
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Updated October 30, 2024
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Table of contents
Best DUI Insurance Companies in Florida (2022)
For drivers with a DUI or DWI offense in Florida, it’s important that you evaluate all of your potential insurance options to ensure you are finding the best rate. Comparing the right insurance companies after this incident will allow you to get the best possible insurance rate after a DUI.
To simplify comparing companies, Insurify has analyzed rates from top insurance providers in Florida. The following are the best insurance rates from carriers that offer car insurance for drivers with a DUI in Florida.
Carrier ▲▼ | Avg. Monthly Cost The car insurance quotes, statistics, and data visualizations on this page are derived from Insurify’s proprietary database of over 4 million car insurance applications from ZIP codes across the United States. Insurify’s data science team performs a comprehensive analysis of the various factors car insurance providers take into account while setting rates to provide readers insight into how car insurance quotes are priced. ▲▼ |
|---|---|
| Direct Auto | $219 |
| Liberty Mutual | $238 |
| Travelers | $255 |
| Bristol West | $270 |
| Safeco Insurance | $279 |
| The General | $304 |
| Infinity Insurance | $314 |
| Dairyland Insurance | $329 |
| American Family Insurance | $367 |
| Mercury | $401 |
DUI Car Insurance Costs in Florida
In Florida, a DUI or DWI offense will on average have drivers paying $573 per month and $6,876 per year for their car insurance rates.
Compared to drivers with a clean driving record, that is on average an 85% increase on car insurance rates for drivers with a DUI. So in order, to find an affordable monthly rate after a DUI, comparison tools like Insurify become essential to finding the best rate.
Disclaimer: Table data sourced from real-time quotes from Insurify's 50-plus partner insurance providers. Actual quotes may vary based on the policy buyer's unique driver profile.
Insurify's comparison tool will help you make sure you're getting the best possible quote even after a DUI. You can have peace of mind that you're reviewing all of your available insurance options and can confidently choose the one that is best for your situation.
How Much Does a DUI Impact Car Insurance Rates in Florida?
As mentioned before, a DUI can significantly impact car insurance rates if you live in Florida. Normally, the monthly premium that a driver pays for coverage would average about $310. However, if you add in a DUI violation, that rate can skyrocket to $572.98, an 84.83 percent increase. Many insurers will see the incident as a red flag and mark you as high-risk.
The additional monthly $262.98 after the DUI won't last forever. If you can maintain a clean driving record over time, many insurance companies will recalculate your monthly premium rates.
No Violation - Avg. Monthly Rate The car insurance quotes, statistics, and data visualizations on this page are derived from Insurify’s proprietary database of over 4 million car insurance applications from ZIP codes across the United States. Insurify’s data science team performs a comprehensive analysis of the various factors car insurance providers take into account while setting rates to provide readers insight into how car insurance quotes are priced. ▲▼ | After DUI - Avg. Monthly Rate The car insurance quotes, statistics, and data visualizations on this page are derived from Insurify’s proprietary database of over 4 million car insurance applications from ZIP codes across the United States. Insurify’s data science team performs a comprehensive analysis of the various factors car insurance providers take into account while setting rates to provide readers insight into how car insurance quotes are priced. ▲▼ | Average Percent Increase After DUI ▲▼ |
|---|---|---|
| $310 | $573 | 84.84% |
What Are the Average Car Insurance Prices After a DUI in Florida?
Florida currently ranks as the seventh most expensive state to buy auto insurance with a DUI. On average, a driver who has a DUI violation will pay roughly $572.98 a month for coverage. This is nearly an 85 percent increase in the normal rates that a Florida resident would expect to pay for vehicle insurance.
Compared to the most expensive state on the list, Michigan, Florida drivers with a DUI pay less than half of what Michigan drivers do. Conversely, motorists in Florida pay $330 more than the lowest-ranked state, Alaska.
Florida After DUI Avg. Monthly Rate The car insurance quotes, statistics, and data visualizations on this page are derived from Insurify’s proprietary database of over 4 million car insurance applications from ZIP codes across the United States. Insurify’s data science team performs a comprehensive analysis of the various factors car insurance providers take into account while setting rates to provide readers insight into how car insurance quotes are priced. ▲▼ | Most Expensive State for DUI (1-50) ▲▼ |
|---|---|
| $573 | 7th |
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How Long Is the Lookback Period for a DUI in Florida?
DUI violations are considered priorable offenses, meaning that each additional DUI you are convicted of carries enhanced penalties. However, there is a limit to how long DUIs count against you for sentencing and penalty purposes. The period of time during which the state of Florida will count a previous DUI for enhanced penalties is referred to as the lookback period.
Florida has a lenient lookback period that is half that of other states. For drivers who receive their first DUI, the offense will only count on their record for five years. Once the five years are up, if there is a second DUI, it will be treated as the first. If you were to be found guilty of a second DUI before the five years are up, then you would face enhanced penalties.
Florida DUI Penalties
The penalties for a DUI in Florida are among some of the strictest in the country. The severity of the penalties often coincides with the number of past convictions and the length of time between DUIs. For first-time offenses, the resulting penalties could include up to $1,000 in fines or a maximum of six months in jail. The state will also revoke your driver's license for no less than six months.
If there is more than one instance of a DUI, then the consequences can intensify quite quickly. With a second DUI violation, fines reach $2,000, and the driver's license is revoked for a maximum of five years. Should a driver reach their fourth DUI, there is a good chance that the state will permanently revoke the license.
Compare Top Auto Insurance Companies
Use Insurify for all of your car insurance comparison needs! Compare and connect directly with the top insurance companies to find the best rates as well as the most personalized discounts and coverage options. Insurify’s network includes over 200 insurance companies throughout the U.S. who can work with you to get you the right auto insurance policy at the cheapest price. See All Auto Insurance Companies
FAQs - Florida Car Insurance
Why is car insurance so expensive in Florida?
There are many different factors that go into the how expensive your car insurance is. That said, some of the reasons why you could be paying so much for your insurance include: living in a state with high minimum insurance requirements, being a young or new driver, committing past traffic offenses like at-fault accidents or DUIs, and having a low credit score.
Do car insurance rates vary by county in Florida?
Auto insurance costs will vary between locations and insurance carriers, depending on the county Florida. Insurify analyzed the latest data for the five most populous cities in Florida to find you the cheapest quotes in each of these metropolitan areas.
Which providers have the best auto insurance ratings in Florida?
The way to find the carrier with the best auto insurance ratings in Florida and save on your insurance premiums is to compare quotes from all companies in your area. Use a car insurance quotes comparison site like Insurify to compare up to 10+ real quotes for your specific driver profile and unlock savings and discounts. Rates can fluctuate greatly based on whether you're a safe driver or a high risk one, but you should never overpay. Insurify provides the cheapest car insurance quotes and companies in your area in just a few seconds.
How much do annual auto insurance rates increase in Florida?
During the past three years in the United States, national premium costs have risen an average of 4.5 percent annually. In states where quotes have risen, this figure has been 7.8 percent; and in those where rates have fallen, prices have decreased by approximately 6.0 percent. Individual rates by state will of course vary depending on the driver’s history and a multitude of factors.
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Methodology
Insurify data scientists analyzed more than 90 million quotes served to car insurance applicants in Insurify’s proprietary database to calculate the premium averages displayed on this page. These premiums are real quotes that come directly from Insurify’s 50+ partner insurance companies in all 50 states and Washington, D.C. Quote averages represent the median price for a quote across the given coverage level, driver subset, and geographic area.
Unless otherwise specified, quoted rates reflect the average cost for drivers between 20 and 70 years old with a clean driving record and average or better credit (a credit score of 600 or higher).
Liability-only premium averages correspond to policies with the following coverage limits:
- Bodily injury limits between state-minimum rates and $50,000 per person, $100,000 per accident
- Property damage limits between $10,000 and $50,000
- No additional coverage
- Comprehensive coverage with a $1,000 deductible
- Collision coverage with a $1,000 deductible
Quotes for Allstate, Farmers, GEICO, State Farm, and USAA are estimates based on Quadrant Information Services’ database of auto insurance rates.
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Doug ShafferInsurance Writer
Doug Shaffer works as a content writer. He has had the opportunity to write for several national insurance carriers in the past and brings with him over six years of experience working with both business and consumer products. He enjoys being able to break down complex insurance jargon to allow consumers to fully understand their policies.
John LeachSenior Insurance Copy Editor
Licensed property and casualty insurance agent
8+ years editing experience
John leads Insurify’s copy desk, helping ensure the accuracy and readability of Insurify’s content. He’s a licensed agent specializing in home and car insurance topics.
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