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.
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.
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.
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.
|Average Percent Increase After DUI|
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.
|Most Expensive State for DUI (1-50)|
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.
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.
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.
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.