State Farm offers the cheapest car insurance with a DUI for most Florida drivers, with yearly rates of $1,489 for minimum coverage and $1,885 for full coverage. Travelers, Allstate, Farmers and Progressive also offer affordable coverage for drivers with a DUI conviction.
DUI Car Insurance in Florida
Updated: June 20, 2025
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Key Takeaways
State Farm offers the cheapest car insurance with a DUI in Florida, with rates starting at $124 per month.
Depending on your driver profile and coverage level, monthly Florida car insurance costs with a DUI range from $258 to $591.
Florida requires 100/300/50 liability car insurance with $10,000 of PIP coverage after you receive a DUI and file for an FR-44.
Cheapest DUI Car Insurance in Florida
| State Farm | $124 | $157 |
| Travelers | $162 | $213 |
| Direct General | $216 | $291 |
| Farmers | $262 | $341 |
| Mercury | $280 | $344 |
*Rates are for a 40-year-old driver with good credit insuring a 2012 Toyota Camry.
Compare Cheap Car Insurance With a DUI in Florida
The information above covers most drivers but doesn't represent everyone with a DUI in Florida. For example, if you have a DUI and bad credit in the state, Direct General offers the most affordable rates, even though it doesn't appear on the list above. Below are the cheapest companies for drivers with DUIs by coverage level, age and credit score so you can find the rates that best match your profile.
Data filtered by:Results filtered by:
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Age Range:30-59
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Credit Score:Good
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Coverage Level:100/300/100 Liability Only
| State Farm | $124 | $1,489 |
| Travelers | $162 | $1,943 |
| Direct General Insurance | $216 | $2,595 |
| Farmers | $262 | $3,140 |
| Mercury | $280 | $3,361 |
*A 100/300/100 liability-only coverage represents the minimum policy from most insurers that can satisfy Florida law for most drivers.
How Much Does DUI Car Insurance Cost in Florida?
Car insurance with a DUI in Florida costs $3,101 per year for minimum coverage and $3,833 for full coverage for most drivers. However, depending on your driver profile and coverage level, the yearly costs can range from $3,252 to $7,088. Compared to drivers with clean records, a DUI can increase rates by 37% to 135%.
Data filtered by:Results filtered by:
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Age Range:30-59
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Credit Score:Good
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Coverage Level:100/300/100 Liability Only
| $258 | $3,101 | $79 | $949 | 44% |
*A 100/300/100 with no comprehensive and collision coverage represents the minimum coverage policy from most insurers that satisfies Florida law for most drivers.
HOW LONG DOES A DUI AFFECT CAR INSURANCE IN FLORIDA?
In Florida, insurance companies can increase rates for a DUI for up to 10 years or at least three years, depending on the company.
Additional Costs to Consider When Having a DUI in Florida
Car insurance rates increase after a DUI, but drivers often forget the costs related to the violation. Required fines and fees can total thousands of dollars, so knowing these expenses helps you plan your finances accordingly. Below we've broken down a complete list of considerations:
- Fines and fees: Florida law requires drivers to pay fines after a DUI conviction, ranging from $500 to $4,000 or more, depending on the details of the offense and their history.
- Towing/impound fee: Once you're arrested, police officers tow or impound your vehicle. You must pay a fee to reclaim your car, usually $250 to $500.
- Drug education and treatment: You may need to complete a drug and alcohol education program. Depending on the requirements, this costs $25 to $85 in Florida.
- DMV reinstatement fee: You must pay the Florida DMV a fee to reinstate your driving privileges after a license suspension related to your DUI. The standard fee is $150, but it increases based on how many times your license has been suspended.
- Attorney fees and damages: If you cause an auto accident while driving under the influence, you're responsible for damages and medical expenses. DUI offenders may also need to pay attorney and court fees, which can cost thousands.
Florida DUI Car Insurance Requirements
After a DUI, Florida requires all drivers to file for an FR-44 and obtain required liability coverage limits. The minimum required coverage is $100,000 bodily injury liability per person, $300,000 bodily injury per accident, $50,000 property damage liability per accident and $10,000 of personal injury protection (PIP). Maintain this coverage level for at least three years after reinstating your license.
Other Florida DUI Laws to Know
In addition to the FR-44 filing and additional car insurance coverage, Florida outlines the following laws and regulations.
Fines
Depending on the DUI conviction severity, whether a child was in the vehicle and prior violation history, fines vary widely. Fees range from a minimum of $500 for a first violation to upwards of $4,000 minimum or more if you've had four or more violations in the last 10 years. Courts may assess additional penalties during your hearing.
Imprisonment and release
Depending on the details of the violation and any additional crimes, you may face imprisonment for a maximum of nine months or less for a first violation or as long as 30 years or more if manslaughter is involved. Without an imprisonment sentence, police may release those arrested for a DUI if the person is no longer under the influence, BAC is under 0.05 or eight hours have elapsed. Otherwise, the court will dictate imprisonment terms.
Impounding of vehicles
Your impound time increases based on your conviction history. Courts impound vehicles for 10 days for your first conviction, 30 days if you have two within five years and 90 days for three within 10 years. If the vehicle was used for commercial purposes and operated by employees only, the court will dismiss the impoundment.
Suspension periods
Depending on your DUI conviction details or related crimes committed as a result, Florida can revoke your license for a minimum of three months for a first offense or permanently for many repeat offenses or manslaughter.
Commercial vehicle license (CMV) holders face tighter standards and permanent license revocation for two DUI convictions or BAC testing refusals. Regular license holders may request a hardship license for select activities (like work and school travel), but CMV holders can't.
DUI education requirements
Drivers with a DUI with a BAC over 0.08 or BAC test refusal must enroll in a state-certified DUI school to be eligible for continued/future employment and a hardship license. If you're under 21 and had a BAC of 0.02 or higher or refused a BAC test, you must take the Traffic Law and Substance Abuse Education course and a DUI program if BAC is 0.05 or higher to be eligible for a hardship license. Drivers with DUI-related felonies must complete DUI school or an advanced DUI course to obtain a hardship license, if possible.
How to Get the Best Cheap Florida Car Insurance With a DUI
Below are tips to help you get the best deal on car insurance in Florida with a DUI. We also cover what to do if insurers deny you coverage through traditional means.
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Understand your needs
After a DUI in Florida, coverage requirements increase drastically, but you may want to consider additional coverages and add-ons if you can afford them. Consider your income, driving habits and location when assessing whether you need more coverage. We also provide an auto insurance coverage needs calculator to help you get started.
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Research costs and discounts
Research average car insurance costs for your driver profile and area before comparing providers. While no discounts exist specifically for DUI drivers, you can take advantage of smaller discounts for online quotes and advance sign-ups. Like most states, Florida offers a defensive driving program that costs as little as $30 and can reduce your premiums up to 10%.
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Compare multiple providers
While we've provided a good list of affordable providers to start with, compare as many quotes as possible. When comparing, ensure you're getting pricing for the same coverage levels so you can make an apples-to-apples comparison.
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Use state high-risk car insurance programs if denied
If insurers deny you coverage, Florida offers a high-risk auto insurance program called the Florida Automobile Joint Underwriting Association (FAJUA). This program guarantees you can find coverage through AIPSO, which offers similar coverage nationwide.
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Make lifestyle or vehicle changes
To make coverage more affordable, increase your credit score. For example, in Florida, having a poor credit score with a DUI costs $1,863 more per year than having good credit for a minimum coverage policy. If you're shopping for a new car, choose a cheaper car to insure, like a used and reliable model.
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Consider nontraditional coverage types
A pay-per-mile program can save you money if you drive less than 7,000 miles annually. If you qualify, usage-based car insurance discounts can save you up to 40% on policies for good driving. Most automakers also offer their own insurance options that can be cheaper than those of traditional companies.
Cheap DUI Insurance in Florida: Bottom Line
State Farm, Travelers and Direct General offer the cheapest car insurance for Florida drivers with a DUI. While this reflects our findings, we still recommend comparing rates, researching costs and deciding what coverage you need beforehand to find the best deal.
DUI Insurance in Florida: FAQ
Below, we've provided MoneyGeek's expert answers to frequently asked questions about Florida DUI insurance.
Who has the cheapest car insurance for Florida drivers with a DUI?
State Farm offers the cheapest rates in Florida for minimum and full coverage for drivers with good credit and a DUI. However, if you have bad credit, Direct General and Travelers offer better rates.
How much does a DUI increase rates in Florida?
A DUI can increase your rates by up to 135% for minimum coverage and 128% for full coverage compared to drivers without a DUI.
How much does DUI car insurance in Florida cost?
The average monthly rates for minimum coverage range from $258 to $484, and for full coverage, from $319 to $591.
How We Chose the Cheapest Car Insurance for Florida's DUI Drivers
To determine the top companies for drivers with DUIs in Florida, MoneyGeek analyzed each company's financial stability, customer satisfaction, claims and affordability based on data from state insurance departments and Quadrant Information Services.
The rates above reflect a 40-year-old male with and without a DUI driving a 2012 Toyota Camry LE with 12,000 annual miles. We modified this base profile to create the other profiles presented.
About Mark Fitzpatrick
Mark Fitzpatrick, a Licensed Property and Casualty Insurance Producer, is MoneyGeek's resident Personal Finance Expert. With over five years of experience analyzing the insurance market, he conducts original research and creates tailored content for all types of buyers. His insights have been featured in publications like CNBC, NBC News and Mashable.
Fitzpatrick holds a master’s degree in economics and international relations from Johns Hopkins University and a bachelor’s degree from Boston College. He's also a five-time Jeopardy champion!
Passionate about economics and insurance, he aims to promote transparency in financial topics and empower others to make confident money decisions.
sources
- Chang & Pyles. "How Much Does a DUI Cost in Florida?." Accessed June 20, 2025.
- FAJUA. "Florida Automobile Joint Underwriting Association | High-Risk Automobile Insurance Providers." Accessed June 20, 2025.
- Florida Department of Highway Safety and Motor Vehicles. "Florida DUI and Administrative Suspension Laws." Accessed June 20, 2025.
- North American Learning Institute. "Florida Drug and Alcohol Awareness Class." Accessed June 20, 2025.
- The Florida Legislature. "The 2024 Florida Statutes ." Accessed June 20, 2025.
- The Florida Senate. "2018 Florida Statutes." Accessed June 20, 2025.