Auto Insurance
BestAuto InsuranceAfter a DUI2022Getting Car Insurance After a DUI in Florida: Everything You Need To Know
Your insurance provider can cancel or not renew your policy after a DUI in Florida. And your insurance becomes more expensive, regardless of the insurer. The average cost of full coverage car insurance for DUI offenders in Florida is $3,536 annually, while drivers with clean records pay around $2,067 per year.
Advertising & Editorial DisclosureLast Updated: 9/28/2022
In Florida, State Farm is the best and cheapest insurance provider for people with an alcohol or drug driving under the influence (DUI) conviction for both full and minimum coverage car insurance.
BestAuto InsuranceAfter a DUI2022Best Companies for DUI Insurance in 2022
Best full coverage after a DUI - State Farm
Best minimum coverage after a DUI - State Farm
Even though Florida requires car insurance, an insurance company in any state has the legal right to refuse to cover drivers with a DUI conviction. It’s up to the company you currently have insurance with to decide whether or not they will cancel your policy.
Regardless of your insurer, expect your Florida auto insurance premium to increase; the average is by around 71% after a DUI. Your premium goes up because you’re now considered a high-risk driver. DUI offenders can have their license suspended, pay fines or face jail time in Florida.
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Cheapest Car Insurance Companies in Florida After a DUI
When comparing premiums nationwide, MoneyGeek found Progressive and State Farm offer the cheapest car insurance after a DUI. But in Florida, State Farm and Allstate have the most affordable auto insurance for people with a DUI conviction.
Cheapest Companies for Full Coverage in Florida After a DUI
MoneyGeek’s data revealed that, on average, the following car insurance companies offer the cheapest full coverage auto insurance with a DUI in Florida:
- State Farm: $2,018 per year
- Allstate: $2,929 per year
While USAA is an affordable insurer with a policy averaging $1,715 per year with a DUI, it exclusively serves former and current military members and their families.
Cheapest Car Insurance for Full Coverage After a DUI
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- RankCompanyAnnual Premium
- 1USAA$1,715
- 2State Farm$2,018
- 3Allstate$2,929
- 4GEICO$2,963
- 5Progressive$3,543
Cheapest Companies for Minimum Coverage in Florida After a DUI
For DUI offenders who want the cheapest minimum coverage auto insurance in Florida, on average, the following insurers have it:
- State Farm: $1,184 per year
- Allstate: $1,271 per year
If you’re an eligible military member or veteran, USAA is the cheapest option, costing around $775 per year.
Cheapest Car Insurance for Minimum Coverage After a DUI
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- CompanyMinimum Annual Premium
- $775
- $1,184
- $1,271
- $1,407
- $1,994
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The cheapest insurance coverage you can purchase is most often state minimum car insurance, but it may not give enough financial protection. It’s best to assess how much car insurance you need so you’re appropriately covered according to your unique needs.
Top Car Insurance Companies in Florida After a DUI
The best car insurance companies for Florida residents convicted of a DUI are State Farm and GEICO for both full and minimum coverage. MoneyGeek analyzed top-rated companies based on customer satisfaction, financial stability and affordability.
Best Companies for Full Coverage in Florida After a DUI
While several auto insurance companies in Florida offer full coverage, MoneyGeek’s evaluation shows that State Farm and GEICO are the top insurers for those with a DUI.
1
State FarmBest full coverage after a DUI
Score:4.1
The average cost of a State Farm full coverage policy in Florida is $1,867 per year. But for the same policy with a DUI, drivers pay roughly $2,018 annually, around 8% more.
More About State Farm
State Farm is our top pick, garnering the overall highest score. While State Farm gives a discount for bundling policies like auto and home, it doesn’t offer unique add-on coverages like original equipment manufacturer (OEM).
2
GEICO
Score:3.8
Without a DUI, a GEICO full coverage policy in Florida averages $1,337 annually. If convicted of a DUI, you could pay around $2,963 per year. That is nearly a 122% increase in the premium.
More About GEICO
Based on MoneyGeek’s methodology, GEICO is a top-rated insurer. It offers unique discounts that help drivers save money. However, GEICO has an average complaint resolution score.
Best Companies for Minimum Coverage in Florida After a DUI
According to MoneyGeek’s unique scoring system, State Farm and GEICO have the best car insurance for DUI offenders in Florida. Keep in mind that while minimum coverage is a cheap option, it might not be enough coverage for you.
1
State FarmBest minimum coverage after a DUI
Score:4
Drivers with clean records pay roughly $1,085 per year for a minimum coverage policy in Florida, while people with a DUI pay around $1,184 annually. That is a roughly 9% increase for the same coverage.
More About State Farm
As a top-rated insurer, State Farm has discounts like multiple vehicle and anti-theft system. It also has rideshare insurance. However, State Farm doesn't provide add-on coverages like accident forgiveness, gap insurance or deductible modification.
2
GEICO
Score:4
Without a DUI, drivers pay about $590 each year for a GEICO minimum coverage policy. There is a roughly 138% increase for DUI offenders, costing around $1,407 per year.
More About GEICO
GEICO garnered excellent scores for stability, discounts and affordability. It has discounts for many kinds of drivers. But GEICO doesn’t offer add-on coverage for better car replacement or new car replacement.
How Much Does Car Insurance Cost in Florida After a DUI?
Without a DUI, drivers pay an average of $2,067 per year for full coverage auto insurance in Florida. If you have a DUI, your full coverage premium could increase by about 71%, costing roughly $3,536 annually. After a DUI conviction, insurers see you as a risky driver that is more likely to file a claim, so they raise your rate — see below for a breakdown of how rates change.
How long does a DUI affect the cost of car insurance?
Average Cost
Full Coverage
$2,067
Average Cost with DUI
Full Coverage
$3,536Full coverage policy premiums after a DUI cost::$1,469 more
This is 71% more expensive.
Because insurance companies consider you a risky driver after a DUI, your Florida car insurance becomes more expensive. Use MoneyGeek’s auto insurance calculator below to get a personalized estimate using your unique profile for car insurance with a DUI in Florida.
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Your auto insurance premium increases after a DUI, but you also pay for other DUI-related costs, such as:
- Fines, court and attorney fees. Florida law mandates drivers to pay fines after a DUI conviction. DUI offenders may also need to pay for an attorney and court fees.
- Towing/impound fee. Once arrested, a police officer has your vehicle towed or impounded. You need to pay a fee to reclaim your car.
- Drug education and treatment. It may be a requirement to go through a drug and alcohol education program.
- DMV reinstatement fee. You might pay a fee to the Florida DMV to reinstate your driving privileges after a license suspension related to your DUI.
- Damages. If you cause an auto accident while driving under the influence, you’re responsible for any damages and medical expenses.
Getting Car Insurance in Florida After a DUI
It can be especially challenging to get auto insurance after being convicted of a DUI in Florida. Because insurance companies are private businesses, there is no legal obligation to continue the policy of a driver with a DUI. The five-year look-back period in Florida can also make it difficult to find an insurer.
MoneyGeek recommends researching the best car insurance companies that offer policies to high-risk drivers in Florida. It’s wise to compare quotes between several providers to ensure you choose the best policy for your needs and budget.
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Florida law requires DUI offenders to obtain an SR-22 and FR-44 insurance form, a document that insurance providers give to the DMV on behalf of a DUI-convicted driver to verify that they have state minimum coverage. You do pay more for SR-22 coverage.
Florida DUI Laws
Drivers with a DUI face severe legal repercussions. In Florida, you may pay fines, face jail time or get your license revoked. Below, MoneyGeek outlined Florida DUI laws.
Driving With a BAC at or Above 0.08% Is Considered a DUI
Blood alcohol concentration (BAC) is the amount of alcohol in your blood. In Florida, you can get arrested if your BAC is 0.08%. However, to get arrested, you don’t have to reach this threshold if your driving is clearly impaired.
Driving With a BAC of 0.15% Will Result in Increased Penalties
If you drive in Florida with a BAC of 0.15%, you may receive a fine of $1,000 to $4,000 or more and jail time ranging from six months to five years, depending on how many times you’ve repeated a DUI offense.
Six-Month Administrative License Suspension on First Offense
First-time DUI offenders with a BAC of 0.08% have their license suspended for six months. If you refuse to take an alcohol test, you can have your license suspended for 12 months.
Ignition Interlock Device
Florida law only requires first-time DUI offenders to have an ignition interlock device (IID) for six months if their BAC exceeds 0.15%. If their BAC is lower, it isn’t mandatory.
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Frequently Asked Questions
It’s not easy to find cheap car insurance for DUI drivers in Florida. To help you through the process, MoneyGeek answered the most commonly asked questions about getting insurance with a DUI.
Methodology
To determine the top companies for individuals with DUIs in Florida, MoneyGeek analyzed each company’s financial stability, customer satisfaction, claims and affordability based on data obtained from state insurance departments and Quadrant Information Services. The rates above are based on a 40-year-old male with and without a DUI driving a 2010 Toyota Camry LE with 12K annual mileage.
sources
- The Foundation for Advancing Alcohol Responsibility. "State Law: DUI Look-Back Periods.." Accessed April 25, 2022.
- Governors Highway Safety Association. "Alcohol Impaired Driving." Accessed April 25, 2022.
- DuiDrivingLaws.org. "Florida Drunk Driving Laws, Penalties, and Consequences." Accessed April 25, 2022.