- Does a DUI raise car insurance rates in Florida?
- How much does a DUI raise your insurance in Florida?
- If someone gets a DUI in your car, does it go on your insurance?
- How long does a DUI affect your insurance in Florida?
- How much does a DUI raise insurance by age group?
- How much does a DUI raise your insurance in your city?
- How to get car insurance after a DUI in Florida
- Florida DUI insurance requirements and penalties
- How long after a DUI does your insurance go down?
- Tips to save money after a DUI
- Methodology
- Florida DUI insurance: Frequently asked questions
- Compare Florida DUI car insurance rates with other states
Does a DUI raise car insurance rates in Florida?
Florida car insurance averages $2,694 with a clean driving record. However, average car insurance rates after a DUI increase to $4,261, which is $1,567 more.
Car insurance companies charge much higher rates if you are proven to be a risky driver. If you have multiple DUIs, average rates dramatically increase to $6,345.
How much does a DUI raise your insurance in Florida?
The most affordable insurer after a DUI is State Farm, offering average annual rates of $2,276. The second-lowest option is Progressive, which costs $963 more than State Farm. National General provides the third-cheapest car insurance rates for drivers with a DUI.
Driving under the influence is not only dangerous but also costly. You'll deal with massive fines and higher car insurance premiums for several years. Each insurer evaluates a DUI differently and sets its own rates, so it's important to compare quotes from multiple companies.
This table displays average car insurance rates for a driver with a DUI in Florida.
| Company | Annual premium for clean records | Annual premium after a DUI | Annual premium after multiple DUIs |
|---|---|---|---|
| State Farm | $2,119 | $2,276 | $2,276 |
| Progressive | $2,902 | $3,239 | $4,105 |
| National General | $3,103 | $3,259 | $6,459 |
| Travelers | $2,356 | $3,592 | $5,230 |
| GEICO | $2,214 | $3,978 | $6,411 |
| Nationwide | $2,150 | $4,575 | $6,453 |
| Allstate | $3,569 | $4,671 | $6,302 |
| Mercury Insurance | $3,358 | $4,962 | $6,436 |
| Farmers | $3,261 | $8,529 | $14,037 |
PEOPLE ASK:
What happens when you get a DUI in Florida?
If you're convicted of a DUI in Florida, consequences are severe. For a first offense, you'll face fines and fees. Your car may also be impounded, your driver's license suspended, car insurance rates will increase, and DUI will stay on your record for 10 years.
If someone gets a DUI in your car, does it go on your insurance?
In most cases, insurance applies to the car rather than the driver, so your car insurance rates won't rise because the DUI will not appear on your driving record.
However, your rates may increase if your vehicle is involved in an accident due to a DUI. Additionally, your car can be declared a crime scene after an accident, so you won't have access to your vehicle until the police are ready.
How long does a DUI affect your insurance in Florida?
Although a DUI may stay on your driving record permanently, it doesn't impact your insurance rates indefinitely. A DUI influences car insurance in Florida and stays on your record for 10 years. Your premiums should start to go down after several years of maintaining a clean driving record with no additional violations.
PEOPLE ASK:
Will I have difficulty getting car insurance after a DUI?
It may be more challenging to find affordable car insurance after a DUI, especially if you have multiple convictions. However, if you already have car insurance, your insurer will likely continue your coverage. Since insurance rates will increase after a DUI, you may consider shopping for new coverage to compare rates.
How much does a DUI raise insurance by age group?
Younger drivers typically pay higher car insurance rates than older, more seasoned drivers because they have less driving experience. While a DUI increases costs for everyone, a teen's premiums climb even more after a conviction. The average car insurance rate for a teen with a DUI is $5,650.
These are the cheapest companies after a DUI by age:
- For teens: State Farm is the cheapest at $5,650.
- For young adults: State Farm offers the cheapest young adult coverage at $2,592.
- For adults: State Farm, with an average rate of $2,276.
- For seniors: State Farm has the most affordable average rate at $2,100.
This table shows how a DUI affects car insurance rates based on age group.
| Company | Annual premium for clean record | Annual premium after a DUI | Dollar increase | % Increase |
|---|---|---|---|---|
| State Farm | $5,190 | $5,650 | $460 | 9% |
| Progressive | $7,201 | $7,254 | $53 | 1% |
| National General | $7,513 | $7,894 | $381 | 5% |
| Nationwide | $7,457 | $9,596 | $2,139 | 29% |
| GEICO | $5,948 | $9,645 | $3,697 | 62% |
| Travelers | $6,670 | $10,104 | $3,434 | 51% |
| Mercury Insurance | $11,432 | $13,367 | $1,935 | 17% |
| Allstate | $11,720 | $16,419 | $4,699 | 40% |
| Farmers | $12,152 | $29,552 | $17,400 | 143% |
| State Farm | $5,190 | $5,650 | $460 | 9% |
| Progressive | $7,201 | $7,254 | $53 | 1% |
| National General | $7,513 | $7,894 | $381 | 5% |
| Nationwide | $7,457 | $9,596 | $2,139 | 29% |
| GEICO | $5,948 | $9,645 | $3,697 | 62% |
| Travelers | $6,670 | $10,104 | $3,434 | 51% |
| Mercury Insurance | $11,432 | $13,367 | $1,935 | 17% |
| Allstate | $11,720 | $16,419 | $4,699 | 40% |
| Farmers | $12,152 | $29,552 | $17,400 | 143% |
How much does a DUI raise your insurance in your city?
The most affordable city in Florida for car insurance after a DUI is Fellsmere, while the most expensive is Aventura, with an average premiumThe payment required for an insurance policy to remain in force. Auto insurance premiums are quoted for either 6-month or annual policy periods. of $5,428. Where you live affects your insurance costs even without a DUI. Drivers in areas with higher traffic or higher rates of vehicle theft pay more because their cars face a greater risk. A DUI then pushes those already high rates even higher.
This table lists the average car insurance rates after a DUI by city. Compare prices in major cities and rural areas to understand how your location influences your rates.
| City | Annual premium for clean record | Annual premium after a DUI | Dollar increase | % Increase |
|---|---|---|---|---|
| Aventura | $3,329 | $5,428 | $2,099 | 63% |
| Avon Park | $2,639 | $4,141 | $1,502 | 57% |
| Bellair-Meadowbrook Terrace | $2,790 | $4,335 | $1,545 | 55% |
| Clearwater | $3,007 | $4,727 | $1,720 | 57% |
| Deland | $2,701 | $4,179 | $1,478 | 55% |
| Fellsmere | $2,557 | $3,948 | $1,391 | 54% |
| Fort Lauderdale | $3,174 | $5,021 | $1,847 | 58% |
| Hialeah | $3,355 | $5,271 | $1,916 | 57% |
| Jacksonville | $2,692 | $4,281 | $1,589 | 59% |
| Miami | $3,345 | $5,293 | $1,948 | 58% |
| Orlando | $2,835 | $4,444 | $1,609 | 57% |
| Palm City | $2,706 | $4,202 | $1,496 | 55% |
| Port St. Lucie | $2,824 | $4,478 | $1,654 | 59% |
| St. Petersburg | $2,909 | $4,581 | $1,672 | 57% |
| Tampa | $3,131 | $4,936 | $1,805 | 58% |
| Aventura | $3,329 | $5,428 | $2,099 | 63% |
| Avon Park | $2,639 | $4,141 | $1,502 | 57% |
| Bellair-Meadowbrook Terrace | $2,790 | $4,335 | $1,545 | 55% |
| Clearwater | $3,007 | $4,727 | $1,720 | 57% |
| Deland | $2,701 | $4,179 | $1,478 | 55% |
| Fellsmere | $2,557 | $3,948 | $1,391 | 54% |
| Fort Lauderdale | $3,174 | $5,021 | $1,847 | 58% |
| Hialeah | $3,355 | $5,271 | $1,916 | 57% |
| Jacksonville | $2,692 | $4,281 | $1,589 | 59% |
| Miami | $3,345 | $5,293 | $1,948 | 58% |
| Orlando | $2,835 | $4,444 | $1,609 | 57% |
| Palm City | $2,706 | $4,202 | $1,496 | 55% |
| Port St. Lucie | $2,824 | $4,478 | $1,654 | 59% |
| St. Petersburg | $2,909 | $4,581 | $1,672 | 57% |
| Tampa | $3,131 | $4,936 | $1,805 | 58% |
How to get car insurance after a DUI in Florida
Insurers will consider you a high-risk driver after a DUI, but you can still get car insurance. Finding the right coverage after a DUI conviction may take some extra effort.
If you already have car insurance and receive a DUI, your insurer will likely keep your policy active. However, your premiums will rise when it's time to renew.
If you need car insurance after a DUI or want the lowest available rates, be sure to compare multiple companies. Request quotes from various insurers to identify the most affordable choice in Florida, since each company determines its own rates after a DUI.
Florida DUI insurance requirements and penalties
A DUI in Florida requires you to follow certain rules for high-risk drivers. In Florida, you are required to obtain an SR-22. An SR-22 is a document your insurer files with the state to prove you carry at least the minimum level of car insurance required by law. The SR-22 itself doesn't raise your rates, but the violation that triggered the requirement does.
A DUI can result in fines, a suspended driver's license, vehicle impoundment, and even jail time. Repeat offenses come with even tougher consequences. You may also be responsible for attorney costs, towing expenses, and impound fees.
The table below outlines Florida DUI laws and penalties for first and repeat offenses.
| Increased penalty for high BAC | Administrative license suspension after a first offense | Limited driving privileges during suspension | Ignition interlocks | Open container laws | Repeat offender laws |
|---|---|---|---|---|---|
| 0.2 | 6 months for DUI, 12 months for refusal | DUI: After 30 days, Refusal: After 90 days | None | Yes | Yes |
| 0.2 | 6 months for DUI, 12 months for refusal | DUI: After 30 days, Refusal: After 90 days | None | Yes | Yes |
*BAC is blood alcohol concentration
How long after a DUI does your insurance go down?
A DUI affects car insurance rates for at least three years, although the timeframe varies by state. In some states, like California, a DUI can impact your premiums for as long as 10 years.
In Florida, drivers can expect higher car insurance rates after a DUI and expect it to stay on their record for 10 years.
Tips to save money after a DUI
A DUI will cost you thousands of dollars in fines, fees, and increased car insurance rates. Fortunately, there are ways to get lower rates after a DUI.
Ways Florida drivers can save on car insurance after a DUI include:
- Raise your deductible to lower rates
- Look for car insurance discounts, like multi-policy and vehicle safety feature savings
- Keep your driving record clean going forward
- Take a defensive driving course
- Improve your credit score
- Compare rates from multiple companies
Methodology
We partnered with Quadrant Information Services to field car insurance rates across all 50 states and Washington, D.C.
Unless otherwise indicated, averages are based on our full coverage data set. This data set is based on:
- Bodily injury liability of $100,000 per person and $300,000 per incident
- Property damage liability of $100,000 per incident
- Comprehensive and collision deductibles of $500
- 40-year-old driver
- Honda Accord LX
- Good credit
- A clean driving record
- 12-mile commute, 10,000 annual mileage
Additional rate data is drawn based on:
- One and two DUI convictions
- Ages ranging from 16 to 75
Learn more about our data and methodology.
Florida DUI insurance: Frequently asked questions
How far back do insurance companies look for a DUI?
Depending on the state, a DUI may stay on your driving record for up to 10 years. In most situations, a DUI influences car insurance rates for three to five years.
Will my insurance drop me after a DUI in Florida?
Most insurers won't drop your policy after just one DUI, but your premiums will increase significantly. However, if you have multiple DUIs, your insurer may refuse to continue coverage. The greater the risk you pose, the more difficult it becomes to find car insurance.
Compare Florida DUI car insurance rates with other states
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