DUI Car Insurance in Florida: Costs, Laws, and Cheapest Companies (2026)

Cheapest car insurance quotes after a DUI in Florida

The average cost of Florida car insurance after a driving under the influence (DUI) conviction is $182 per month for liability-only coverage and $303 per month for full coverage, according to Insurify data.

Florida has one of the nation’s highest uninsured motorist rates, a factor that contributes to above-average insurance prices.^[1] A DUI increases those costs even more, especially in metro areas like Miami, which has some of the state’s highest rates.

State Farm offers the cheapest car insurance after a Florida DUI, with an average rate of $111 per month for liability coverage. See average monthly liability-only quotes for drivers with a DUI in the table below.

The below rates in Florida are estimated rates current as of: Monday, August 31 at 5:00 PM PDT. 

Insurance Company	Average Monthly Quote: Liability Only
State Farm	$111
Progressive	$118
Clearcover	$118
GEICO	$125
Mile Auto	$127
Embark	$139
Allstate	$161
Dairyland	$165
Direct Auto	$167
GAINSCO	$167
The General	$174
Insurify Car	$185
AssuranceAmerica	$186
Mercury	$189
Bristol West	$190
National General	$206
Travelers	$228
Root	$236
Hugo	$262
First Acceptance	$279
Mendota	$295
Liberty Mutual	$316

Disclaimer: Table data sourced from real-time Florida car insurance quotes from Insurify's 500+ partner insurance providers and quote estimates from Quadrant Information Services. Actual car insurance quotes in Florida may vary based on the policy buyer's unique driver profile.

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How a DUI affects car insurance rates in Florida

A DUI conviction in Florida raises car insurance premiums by an average of 31%. Several factors influence your rate, including:

• Blood alcohol content (BAC) level: Florida’s BAC limit is 0.08%. If your BAC was 0.15% or higher at the time of arrest, you’ll face steeper penalties.

• Prior offenses: Your rate increase may be more substantial if you have a previous DUI. Three DUIs within 10 years is a third-degree felony under Florida law, which could lead to higher premiums or non-renewal.

• Age: Many accidents involve drivers younger than 25 and older than 65, according to the Florida Department of Financial Services (DFS).^[2] Insurers use age as a rating factor, so a DUI may increase rates more for these age groups.

• Coverage levels: After a DUI in Florida, you’ll need an FR-44 filing, which requires higher liability limits than the state minimum. More coverage typically means higher insurance rates.

The following chart shows average liability rates with and without a DUI.

Best car insurance companies after a DUI in Florida

Florida’s insurance market includes 2,052 licensed insurers, but the right one for you depends on your individual circumstances. We vetted the following companies based on rates, coverage options, verified user reviews, and third-party industry ratings to help you find the best car insurance companies in Florida.

Progressive: Best for cheap rates after a DUI in Florida

cheap rates after a DUI in Florida

Compare Quotes

JD Power J.D. Power data measures overall customer satisfaction and claims satisfaction based on a 1,000-point scale.	587
IQ Score The Insurify Quality (IQ) Score uses more than 15 criteria to objectively rate insurance companies on a one-to-ten scale. The Insurify editorial team researches insurer data to determine the final scores.	8.7 /10
Liability Only Liability-only insurance, sometimes called minimum-coverage insurance, pays for bodily injury and property damage to others in an accident the policyholder causes. It does not pay for the insured’s own damages.	$92/mo
Full Coverage Full-coverage car insurance generally includes liability, collision, and comprehensive coverage, and may include other optional coverages such as uninsured motorist coverage. Collision covers a policyholder’s repair or replacement costs in case of an accident. Comprehensive covers damages caused by non-accident events. The average quote displayed here reflects policies with the following coverage limits: $50,000 bodily injury liability per person; $100,000 bodily injury liability per accident; $50,00 property damage liability per accident; $1,000 collision deductible; and a $1,000 comprehensive deductible.	$145/mo

Details

How drivers feel about Progressive

Customers appreciate the insurer’s good customer service and initial affordability but dislike the consistent price increases and complex claims process.

Based on analysis of verified reviews collected by Insurify

---

Best in Florida for

Competitive rates

Easy buying process

Telematics program

Showing 75 reviews from Florida driversSee all 9,065 Progressive reviews

Walter

Verified Review

Good

Reviewed in Florida on September 8, 2026

Reasonable.

Tanya

Verified Review

They gave refunds and are now recouping that money by doubling the policy at renewal

Reviewed in Florida on September 8, 2026

My rates are doubling at renewal. No at-fault accidents.

Richard

Verified Review

Costs Too Much

Reviewed in Florida on September 1, 2026

They got too expensive.

NAIC Index

Average amount of customer complaints relative to competitors on a 0-5 scale. A lower score represents fewer complaints.

0.97

A.M. Best

A.M. Best analyzes an insurer’s financials, operating performance, business profile, and other factors to generate an opinion-based rating of a company’s financial and credit strength. Ratings range from A++ (exceptional) to D (poor).

A+

Why we picked this company

Progressive offers some of the lowest rates for Florida drivers with a DUI on their record, according to Insurify data — particularly for liability-only coverage.

You can also access several discounts, including for bundling home and auto, setting up auto pay, and paying for your policy in full. Snapshot, Progressive’s usage-based program, also rewards safe driving with lower rates.

Pros

• Affordable rates for Florida drivers with a DUI

• Name Your Price tool for coverage that fits your budget

• FR-44 filing capability

Cons

• Poor Better Business Bureau customer review ratings

• Lowest J.D. Power customer satisfaction ranking

• Below-average J.D. Power claims satisfaction ranking

GEICO: Best for customer satisfaction after a DUI in Florida

customer satisfaction after a DUI in Florida

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User Reviews	4.0 20,626 reviews
IQ Score The Insurify Quality (IQ) Score uses more than 15 criteria to objectively rate insurance companies on a one-to-ten scale. The Insurify editorial team researches insurer data to determine the final scores.	9.2 /10
Liability Only Liability-only insurance, sometimes called minimum-coverage insurance, pays for bodily injury and property damage to others in an accident the policyholder causes. It does not pay for the insured’s own damages.	$92/mo
Full Coverage Full-coverage car insurance generally includes liability, collision, and comprehensive coverage, and may include other optional coverages such as uninsured motorist coverage. Collision covers a policyholder’s repair or replacement costs in case of an accident. Comprehensive covers damages caused by non-accident events. The average quote displayed here reflects policies with the following coverage limits: $50,000 bodily injury liability per person; $100,000 bodily injury liability per accident; $50,00 property damage liability per accident; $1,000 collision deductible; and a $1,000 comprehensive deductible.	$192/mo

Details

4.0

Best choice in FloridaBased on 20,626 verified driver reviews and ratings

	GEICO's score	Industry average
Coverage options	4.0	3.2
Customer service	4.1	3.6
Discounts	3.9	2.9
Policy transparency	4.0	3.1
Value	3.9	2.9

How drivers feel about GEICO

Customers appreciate the reliability and customer service but find the rates to be high and increase frequently, even without claims or accidents. The app has improved, but some find the claims process lacking.

Based on analysis of verified reviews collected by Insurify

---

Best in Florida for

Teen drivers

Cheap rates

Accident forgiveness

Showing 75 reviews from Florida driversSee all 8,163 GEICO reviews

Teresa

Verified Review

Never honored the quote they baited me with

Reviewed in Florida on September 9, 2026

They quoted me, then raised the price by over $100 per month. Last month, they wanted $950 per month. Sorry, Geico’s gotta go.

Barry

Verified Purchase

So Many Obstacles to Talk to a Human

Reviewed in Florida on September 9, 2026

They make it a nightmare to reach a real person.

Joseph

Verified Review

Nothing personal. I’ve been driving since 1967—no DUIs, no accidents, and I haven’t had a ticket in over 15 years. Still, they didn’t take the time to look into a reasonable senior citizen discount. Down here in Key West, driving is pretty limited—maybe 100 miles unless you’re going up to Homestead or Miami. I was paying $61 for just PIP through the broker. When I called to say I wasn’t satisfied with my rate, they said they’d get back to me, but they never did. Now it’s one month later, and as of September 7th they canceled my insurance. It’s impossible to reach anyone—human or even AI. When I called and said I wanted to pay my bill, they cut me off and said they weren’t doing anything that weekend. Terrible customer relations, no matter how small my insurance contract is with them. I’ve worked in customer sales for a good part of my life, and this just doesn’t fly with me. Now I’m getting calls from every insurance company under the sun, and the rates are ridiculous.

Reviewed in Florida on September 9, 2026

Nothing personal. I’ve been driving since 1967—no DUIs, no accidents, and I haven’t had a ticket in over 15 years. Still, they didn’t take the time to look into a reasonable senior citizen discount. Down here in Key West, driving is pretty limited—maybe 100 miles unless you’re going up to Homestead or Miami. I was paying $61 for just PIP through the broker. When I called to say I wasn’t satisfied with my rate, they said they’d get back to me, but they never did. Now it’s one month later, and as of September 7th they canceled my insurance. It’s impossible to reach anyone—human or even AI. When I called and said I wanted to pay my bill, they cut me off and said they weren’t doing anything that weekend. Terrible customer relations, no matter how small my insurance contract is with them. I’ve worked in customer sales for a good part of my life, and this just doesn’t fly with me. Now I’m getting calls from every insurance company under the sun, and the rates are ridiculous.

JD Power

J.D. Power data measures overall customer satisfaction and claims satisfaction based on a 1,000-point scale.

629

NAIC Index

Average amount of customer complaints relative to competitors on a 0-5 scale. A lower score represents fewer complaints.

0.59

A.M. Best

A.M. Best analyzes an insurer’s financials, operating performance, business profile, and other factors to generate an opinion-based rating of a company’s financial and credit strength. Ratings range from A++ (exceptional) to D (poor).

A++

Why we picked this company

GEICO tied for the highest customer satisfaction score in Florida in the J.D. Power U.S. Auto Insurance Study. Customers also reported a lower-than-expected number of complaints to the National Association of Insurance Commissioners (NAIC).

After a DUI, GEICO will file your FR-44. It also offers competitive rates in Florida, along with its DriveEasy program, which can help you earn a discount if you demonstrate safe driving after a DUI.

Pros

• Highly rated mobile app

• A++ (Superior) AM Best financial strength rating

• Available mechanical breakdown insurance

Cons

• Below-average J.D. Power claims satisfaction ranking

• Rates after a DUI may be higher than competitors’ prices

• No gap insurance in Florida

Direct Auto: Best for non-standard coverage after a DUI in Florida

non-standard coverage after a DUI in Florida

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A.M. Best A.M. Best analyzes an insurer’s financials, operating performance, business profile, and other factors to generate an opinion-based rating of a company’s financial and credit strength. Ratings range from A++ (exceptional) to D (poor).	A
IQ Score The Insurify Quality (IQ) Score uses more than 15 criteria to objectively rate insurance companies on a one-to-ten scale. The Insurify editorial team researches insurer data to determine the final scores.	8.3 /10
Liability Only Liability-only insurance, sometimes called minimum-coverage insurance, pays for bodily injury and property damage to others in an accident the policyholder causes. It does not pay for the insured’s own damages.	$123/mo
Full Coverage Full-coverage car insurance generally includes liability, collision, and comprehensive coverage, and may include other optional coverages such as uninsured motorist coverage. Collision covers a policyholder’s repair or replacement costs in case of an accident. Comprehensive covers damages caused by non-accident events. The average quote displayed here reflects policies with the following coverage limits: $50,000 bodily injury liability per person; $100,000 bodily injury liability per accident; $50,00 property damage liability per accident; $1,000 collision deductible; and a $1,000 comprehensive deductible.	$201/mo

Details

How drivers feel about Direct Auto

Drivers appreciate the insurer’s helpful customer service and easy-to-use website. But they dislike the frequent and significant rate increases, especially for those with clean driving records. Some also report difficulties with roadside assistance.

Based on analysis of verified reviews collected by Insurify

---

Best in Florida for

High-risk drivers

Ample discounts

24/7 claims support

Showing 37 reviews from Florida driversSee all 538 Direct Auto reviews

Alexandria

Verified Review

Fluctuating Policy

Reviewed in Florida on September 11, 2026

My bill fluctuates, and I don't know why.

Charles

Verified Review

Good Insurance and a Good Price

Reviewed in Florida on September 8, 2026

Very good.

Joy

Verified Review

Insurance

Reviewed in Florida on August 17, 2026

I am happy with them.

JD Power

J.D. Power data measures overall customer satisfaction and claims satisfaction based on a 1,000-point scale.

Not rated

NAIC Index

Average amount of customer complaints relative to competitors on a 0-5 scale. A lower score represents fewer complaints.

Not rated

Why we picked this company

Direct Auto specializes in insurance coverage for high-risk drivers and files your FR-44 directly with the state. The insurer offers flexible payment options and several car insurance discounts, including multi-car and driver education discounts.

For in-person help, Direct Auto has multiple locations in Florida, including Tampa, Orlando, and Jacksonville.

Pros

• 24/7 claim filing

• DynamicDrive telematics program

• Quotes available in person, online, or by phone

Cons

• May find lower rates with some competitors in Florida after a DUI

• Not ranked by J.D. Power

• Poor Trustpilot rating

How we chose the best companies

Our editorial team analyzed our proprietary data, more than 80,000 verified user reviews, and third-party industry ratings to choose the best insurers for drivers with a DUI in Florida. We also weigh rate affordability, coverage options, available discounts, customer satisfaction rankings, and financial strength.

How to get car insurance after a DUI in Florida

Getting auto insurance after a DUI in Florida can be more challenging than buying a standard policy. Follow these steps to get car insurance after a DUI in Florida:

1. Check your license reinstatement requirements. After a first-time DUI conviction in Florida, the state will automatically suspend your driver’s license for six months to one year. To reinstate your driving privileges, you’ll have to pass all required exams and pay reinstatement fees between $150 and $500.

2. File an FR-44 form. Florida requires an FR-44 after a DUI, not SR-22 insurance like most states. Your insurer files this form with the Department of Highway Safety and Motor Vehicles (DHSMV) on your behalf, proving you carry state-required liability insurance. You must maintain continuous coverage for three years after reinstatement.

3. Consider high-risk insurers. Non-standard insurers specialize in covering drivers with a DUI on their record. If you don’t own a vehicle, ask your insurer about whether a non-owner policy can meet Florida’s FR-44 requirements.

4. Adjust your insurance coverage. Once you meet your FR-44 requirements, consider raising your comprehensive and collision deductibles or adjusting your coverage levels to help lower your insurance costs.

DUI laws in Florida

Florida defines driving under the influence as operating a vehicle with a BAC of 0.08% or higher.^[3] A DUI attorney can explain your rights, and many offer a free consultation.

Florida’s DUI penalties

The state of Florida takes drunk driving seriously, with DUI penalties increasing for repeat offenses:

• First offense: Carries a fine of $500–$1,000 and up to six months in jail. A BAC of 0.15% or higher raises the fine to $1,000–$2,000 and imprisonment of up to nine months, plus a mandatory ignition interlock device for at least six months.

• Second offense: Requires a fine of $1,000–$2,000, up to nine months in jail, and a mandatory ignition interlock device for at least one year.

• Third offense within 10 years: Includes fines of at least $4,000 for a BAC of 0.15% or higher and a third-degree felony designation under Florida law.

How long a DUI stays on your record in Florida

Florida maintains DUI convictions on your driving record for 75 years, according to the Florida Department of Highway Safety and Motor Vehicles (FLHSMV).^[4] Although insurers typically look back only a few years when reviewing your driving record and calculating your rates, the conviction itself stays on your driving history much longer.

Florida FR-44 requirements

Florida car insurance laws require an FR-44 certificate after a DUI charge. Your insurer files the FR-44 with the FLHSMV, proving your coverage of $100,000 in bodily injury liability per person, $300,000 per accident, and $50,000 for property damage liability (PDL).

You must maintain FR-44 coverage for three years from your license reinstatement date.

Minimum car insurance requirements in FL after a DUI

Because Florida is a no-fault state, all drivers must meet the state’s minimum car insurance requirements, including $10,000 in personal injury protection and $10,000 in PDL.

After a DUI, though, you’ll also have to carry liability insurance with the following limits:

• $100,000 per person in bodily injury

• $300,000 per accident in bodily injury

• $50,000 in PDL

Under Florida’s FR-44 financial responsibility requirement, you must maintain these higher limits for three years after the state reinstates your license.

How long a DUI remains on your driving record depends on your state’s laws and varies significantly across the country. In Florida, convictions stay on your record for 75 years.

If you have repeat DUI offenses within five to 10 years, you’ll face more serious consequences under Florida law. You’ll lose your license permanently after a fourth conviction, no matter the timing.

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How to lower DUI insurance costs in Florida

A premium increase after a DUI is unavoidable, but you can take action to limit how much it affects your insurance costs.

• Compare quotes from multiple insurers. Florida ranks third nationally for property and casualty premiums written, according to the NAIC, so you have plenty of insurance options across the state. Rates for high-risk drivers vary significantly between insurers, so comparing quotes from multiple companies can help you find the best rate.

• Take a defensive driving course. Florida statutes require insurers to reduce premiums for senior drivers 55 and older who complete an FLHSMV-approved accident-prevention course. Even if you’re a younger driver, ask your insurer whether similar defensive-driving discounts are available.

• Raise your deductibles. Higher deductibles typically lower your premium. The Florida DFS recommends weighing how much you’ll save monthly against what you could afford to pay out of pocket after a claim.

• Consider dropping full coverage. More than two-thirds of Florida drivers own their vehicles, according to Insurify data. This means many don’t have a lender requiring collision and comprehensive coverage. The Florida DFS suggests considering whether full coverage is worth it for your vehicle.

• Never let your coverage lapse. Florida requires drivers to maintain continuous coverage on any registered vehicle. Since a coverage lapse can cause the state to suspend your license for up to three years, finding insurance after a DUI can be even more difficult and expensive.

DUI car insurance in Florida FAQs