For most drivers in Florida, State Farm offers the cheapest car insurance with a DUI with rates of $1,224 per year for minimum coverage and $1,560 yearly for full coverage. However, Travelers, Allstate, Farmers and Progressive also have very affordable rates for those with a DUI conviction.
DUI Car Insurance Florida
Updated: February 11, 2025
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Key Takeaways
In total, the cheapest car insurance with a DUI in Florida is offered by State Farm with rates starting at $102 per month.
Depending on your driver profile and coverage level chosen, monthly Florida car insurance costs with a DUI can range anywhere from $203 to $501.
In Florida, you're required to have 100/300/50 liability car insurance with $10,000 of PIP coverage after receiving a DUI and when filing for a FR-44.
Cheapest DUI Car Insurance in Florida
| State Farm | $102 | $130 |
| Travelers | $145 | $190 |
| Farmers | $190 | $253 |
| Progressive | $189 | $264 |
| Allstate | $209 | $256 |
*Rates are for a 40-year-old driver with good credit insuring a 2012 Toyota Camry.
Compare Cheap Car Insurance With a DUI in Florida
While the information above covers most drivers, it doesn't represent everyone with a DUI in Florida. For example, if you have both a DUI and bad credit in the state, Direct General Insurance is the most affordable of all, even though it's not on the list above. So below, we've broken down the cheapest companies for those with DUIs by coverage level, age and credit score so you can find the rates that are best for your profile.
Data filtered by:Results filtered by:
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Age Range:22-29
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Credit Score:Good
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Coverage Level:100/300/100 Full Cov. w/$1,000 Ded.
| State Farm | $154 | $1,848 |
| Travelers | $200 | $2,395 |
| Allstate | $268 | $3,213 |
| Farmers | $305 | $3,664 |
| Progressive | $310 | $3,723 |
*A 100/300/100 liability-only coverage represents the minimum policy offered by most insurers that can satisfy Florida law for most drivers.
How Much Does DUI Car Insurance Cost in Florida?
For most drivers, car insurance with a DUI in Florida costs $1,415 per year for minimum coverage and $3,209 yearly for full coverage. However, depending on your unique driver profile and coverage level chosen, the yearly costs can range anywhere from $1,415 to $6,013. Compared to clean drivers without a driving violation, having a DUI can increase rates up to 144% or at a minimum of 39%.
Data filtered by:Results filtered by:
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Age Range:22-29
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Credit Score:Good
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Coverage Level:100/300/100 Full Cov. w/$1,000 Ded.
| $319 | $3,826 | $89 | $1,070 | 39% |
*A 100/300/100 with no comprehensive and collision coverage represents the minimum coverage policy offered by most insurers that can satisfy Florida law for mosty drivers.
HOW LONG DOES A DUI AFFECT CAR INSURANCE IN FLORIDA
In Florida, depending on the company, rates for car insurance can be affected by DUIs for up to 10 years or at least 3 years.
Additional Costs To Consider When Having a DUI in Florida
While it is obvious that car insurance rates increase after a DUI, it is easy to forget costs related to the driving violation. Required fines and fees can be thousands of dollars so it is important to know so you can plan your finances accordingly. Below we've broken down a complete list of considerations:
- Fines and Fees. Florida law mandates drivers to pay fines after a DUI conviction which can be between $500 to $4,000 or more depending on the details of the offense and your history.
- Towing/impound fee. Once arrested, a police officer has your vehicle towed or impounded. You need to pay a fee, usually around $250 to $500, to reclaim your car.
- Drug education and treatment. It may be a requirement to go through a drug and alcohol education program. This can cost anywhere from $25 to $85 in Florida depending on what is required of you.
- DMV reinstatement fee. You will have to pay a fee to the Florida DMV to reinstate your driving privileges after a license suspension related to your DUI. The standard fee is $150 but will increase depending on how many times your license has been suspended.
- Attorney Fees and Damages. If you cause an auto accident while driving under the influence, you’re responsible for any damages and medical expenses. DUI offenders may also need to pay for an attorney and court fees which can cost thousands.
Florida DUI Car Insurance Requirements
After a DUI, all drivers are required to file for an FR-44 in the state of Florida and get required liability coverage limits. The minimum required coverage is $100,000 bodily injury liability per person, $300,000 bodily injury per accident, $50,000 property damage liability per accident and $10,000 of PIP coverage. This coverage level must be maintained for at least three years after your license is reinstated.
Other Florida DUI Laws To Know
In addition to the FR-44 filing and additional car insurance coverage, the state of Florida also outlines the following laws and regulations.
Fines
Depending on the severity of the DUI conviction, if a child was in the vehicle, and prior history of this violation, fines vary widely. Charged fees can be a minimum of $500 for a first violation to upwards of $4,000 minimum or more if you've had 4+ violations in the last 10 years. Additional penalties may also be assessed when having your court hearing.
Imprisonment and Release
Depending on the details of the violation and any additional crimes, you may be imprisoned for a maximum of 9 months or less for a first violation or as high as 30 years or more if manslaughter is involved. As long as you don't have an imprisonment sentence, those arrested for a DUI may be released if a person is no longer under the influence, BAC is under 0.05, or 8 hours have elapsed. Otherwise, terms of imprisonment will be dictated by the court.
Impounding of Vehicles
Depending on how many convictions are on your record the impound time for your vehicle increases. For your first conviction vehicles are impounded for 10 days, if you have two within 5 years it is 30 days, three within 10 years is 90 days. If the vehicle was used for commercial means and operated by employees only, impoundment will be dismissed by the court.
Suspension Periods
Dependent on the details of your DUI conviction or related crimes committed as a result, your license can be revoked for a minimum of three months for a first offense or a permanent revocation for many repeat offenses or manslaughter. Those with commercial vehicle licenses (CMVs) are held to tighter standards and have their license permanently revoked for 2 DUI convictions or refusals to have BAC testing. For individuals, a hardship license may be requested just for select activites (like work and school travel) but is unavailable for CMVs.
DUI Education Requirements
For those with a DUI with a BAC over 0.08 or refusal to take a BAC test, you must be enrolled in a state certified DUI school in order to be eligible for continued/future employment and a hardship license. If you are under 21 and had a BAC of 0.02 or higher or refusal of a BAC test must take the Traffic Law and Substance Abuse Education course and a DUI program if 0.05 BAC or higher to be able to be elligible for a hardship license. For those with DUI related felonies must complete DUI school or an advanced DUI course to possibly get a hardship license.
How To Get The Best Cheap Florida Car Insurance With a DUI
Below we've highlighted some tips to help you get the best deal on car insurance in Florida with a DUI. We'll also cover what to do if you get denied coverage through traditional means.
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Understand Your Needs
After a DUI in Florida, coverage requirements go drastically up, but you may want to consider any additional coverages and add-ons if you can afford it. Take into account your income, driving habits and location when assessing whether you need more coverage. We also provide a auto insurance coverage needs calculator to help you get started.
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Research Costs and Discounts
To go into comparing car insurance providers informed, you should research average car insurance costs for your driver profile and area. While no discounts exist to help specifically DUI drivers with providers, taking advantage of smaller discounts for online quotes and advance sign-ups can help. Also like most states, Florida offers a defensive driving program that can cost as little as $29.95 and get you up to 10% off your premiums.
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Compare Multiple Providers
While we've given you a good list of affordable providers to start with, it's a good idea to compare as many quotes as possible. However, when comparing make sure you're getting pricing for the same coverage levels so you can see the differences in an apples to apples comparison.
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Use State High Risk Car Insurance Programs If Denied
If you are denied coverage, the state of Florida offers a high risk auto insurance program called FAJUA. This program guarantees that you can find coverage through AIPSO who offers similar coverage across the nation.
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Make Lifestyle or Vehicle Changes
In order to make coverage more affordable, one of the best ways to do so is to increase your credit score. For example in Florida, having a poor credit score with a DUI costs $1,500 more per year than those with good credit for a minimum coverage policy. Also, if you are in the market to get a new car, try to insure a cheaper car to insure like a used and reliable vehicle.
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Consider Non-Traditional Coverage Types
If you drive less than 7,000 miles annually on average, a pay-per-mile program can save you a significant amount of money. While not technically a coverage type, usage-based car insurance discounts can also save you up to 40% on policies for good driving as well if you qualify. Most automakers also offer their own insurance options than can be cheaper than traditional companies.
Cheap DUI Insurance Florida: Bottom Line
Overall, we found the cheapest overall car insurance providers for Florida drivers with a DUI are State Farm, Travelers and Direct General Insurance. While this is what our research found, we still recommend that you compare rates for yourself, research costs, and decide what coverage you need beforehand so you find the best deal.
DUI Insurance Florida: FAQ
Below, we've provided MoneyGeek's expert answers to frequently asked questions about Florida DUI insurance.
Who has the cheapest car insurance for Florida drivers with a DUI?
For those with good credit and a DUI, State Farm offers the cheapest overall rates in Florida for minimum and full coverage. However, if you have bad credit, Direct General Insurance and Travelers offer better rates overall.
How much does a DUI increase rates in Florida?
Overall a DUI can increase your rates up to 144% for minimum coverage and 118% for full coverage compared to those without a DUI.
How much does DUI car insurance in Florida cost?
For minimum coverage average rates range from $203 to $387 monthly and for full coverage it is between $267 and $501 per month.
How We Chose The Cheapest Car Insurance For Florida DUI Drivers
To determine the top companies for individuals with DUIs in Florida, MoneyGeek analyzed each company’s financial stability, customer satisfaction, claims and affordability based on data obtained from state insurance departments and Quadrant Information Services. The rates above are based on a 40-year-old male with and without a DUI driving a 2012 Toyota Camry LE with 12K annual mileage. Any other profiles presented are modifications based on this profile.
About Mark Fitzpatrick
Mark Fitzpatrick, a Licensed Property and Casualty Insurance Producer, is MoneyGeek's resident Personal Finance Expert. With over five years of experience analyzing the insurance market, he conducts original research and creates tailored content for all types of buyers. His insights have been featured in publications like CNBC, NBC News and Mashable.
Fitzpatrick holds a master’s degree in economics and international relations from Johns Hopkins University and a bachelor’s degree from Boston College. He's also a five-time Jeopardy champion!
Passionate about economics and insurance, he aims to promote transparency in financial topics and empower others to make confident money decisions.