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Cheap DUI Car Insurance in Florida (With Quotes)

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Doug Shaffer
Written by
Doug Shaffer
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Written by
Doug Shaffer
Insurance 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 Leach
Edited by
John Leach
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Edited by
John Leach
Insurance Content Editor at Insurify
John Leach is an insurance content editor who has worked in print and online. He has years of experience in car and home insurance and strives to make these topics easy to understand for everyone. He has a linguistics degree from UC Santa Barbara.
Janeth Lopez
Reviewed by
Janeth Lopez
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Reviewed by
Janeth Lopez
Licensed Insurance Agent
Janeth Lopez is a licensed insurance agent. She specializes in auto, home, business, life, and RV insurance.

Updated March 9, 2022

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.

CarrierAvg. 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.

Avg. Monthly Cost - No Violation
$310
Avg. Monthly Cost - After DUI
$573
$263 ▴
84.84% ▴
Monthly Impact of DUI on Rates
Percent Bad DUI Impact Rates

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$57384.84%

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)
$5737th

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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.

Top Auto Insurance Companies

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

  • 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.

  • 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.

  • 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.

  • 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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  • Data scientists at Insurify analyzed more than 40 million real-time auto insurance rates from our partner providers across the United States to compile the car insurance quotes, statistics, and data visualizations displayed on this page. The car insurance data includes coverage analysis and details on drivers' vehicles, driving records, and demographic information. Quotes for Allstate, Farmers, GEICO, State Farm, and USAA are estimates based on Quadrant Information Service's database of auto insurance rates. With these insights, Insurify is able to offer drivers insight into how companies price their car insurance premiums.

Doug Shaffer
Written by
Doug Shaffer

Insurance 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.

Learn More
John Leach
Edited by
John Leach

Insurance Content Editor at Insurify

Photo of an Insurify author
Edited by
John Leach
Insurance Content Editor at Insurify
John Leach is an insurance content editor who has worked in print and online. He has years of experience in car and home insurance and strives to make these topics easy to understand for everyone. He has a linguistics degree from UC Santa Barbara.
Janeth Lopez
Reviewed by
Janeth Lopez

Licensed Insurance Agent

Icon of a woman
Reviewed by
Janeth Lopez
Licensed Insurance Agent
Janeth Lopez is a licensed insurance agent. She specializes in auto, home, business, life, and RV insurance.