Cheap DUI Car Insurance in Florida:
Costs and Quotes (2022)

Browse. Compare. Discover. Let Insurify find the best car insurance deals for drivers with a DUI in Florida

Enter your zipcode to get started

Facebook following



Shopper Approved

4.8 Rating

2,700 Reviews

12 Million


Full starFull starFull starFull starFull star
3691 Reviews

Insurify is rated 4.8 out of 5 based on 3691 customer reviews.
With over 30,109,648 quotes provided, we have helped thousands of customers save time and money!

Last Updated: January 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.

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 ViolationAvg. Monthly Cost - After DUI
$263 ▴Monthly Impact of DUI on Rates
84.84% ▴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.

Average Percent Increase After DUI

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.

Most Expensive State for DUI (1-50)

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.

FAQs - Florida Car Insurance

Why is car insurance so expensive in Florida?

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.

Do car insurance rates vary by county in Florida?

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.

Which providers have the best auto insurance ratings in Florida?

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.

How much do annual auto insurance rates increase in Florida?

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.


The car insurance quotes displayed are based on an analysis of Insurify’s database of over 40 million quotes from 500 ZIP codes nationwide. To obtain representative rates, Insurify’s data science team performs frequent comprehensive analyses of the factors car insurance providers weigh to calculate rates including driver demographics, driving record, credit score, desired coverage level, and more.

Insurify’s analysis also incorporates the Insurify Composite Score (ICS) assigned to each insurance provider. The ICS is a proprietary rating that weighs multiple factors reflecting the quality, reliability, and health of an insurance company. Ratings used to calculate the ICS include Financial Strength Ratings from A.M. Best, Standard & Poor’s, Moody’s, and Fitch; J.D. Power ratings; Consumer Reports customer satisfaction surveys and customer complaints; mobile app reviews; and user-generated company reviews. 

With the above insights and ranking methods, Insurify is able to offer car insurance shoppers insight into how various insurance providers compare to one another in terms of both cost and quality. Note, actual quotes will vary based on unique attributes including the policyholder’s driver history and their garaging address.