Florida Car Insurance with a DUI

If you receive a DUI in Florida, your auto insurance is going to get more expensive — it is just a question of by how much.


How will being convicted of DUI change car insurance in Florida?


In Florida, a DUI will lift your annual car insurance premium by an average of $1,085. That’s 1% less than the U.S. average rate hike after a DUI.


CAR INSURANCE AFTER A DUI IN FLORIDA — AVERAGE ANNUAL PENALTY
LocationAvg. Annual Rate — without DUIAvg. Annual Rate — with DUIAvg. Increase After DUI
Florida$2,309$3,394+47%
United States$1,548$2,556+65%

How to find car insurance in Florida after a DUI conviction


Purchasing inexpensive auto insurance with a DUI conviction is far from easy. In fact, a DUI typically triggers a larger cost increase than any single driving transgression — more than an at-fault accident, reckless driving, or racing.


Best car insurance with a DUI in Florida

If you have been convicted of a DUI or DWI offense in Florida, it’s crucial to consider all of your insurance options carefully. Car insurance prices after a DUI may vary greatly depending on the insurer. For example, the cheapest auto insurance company with a DUI in Florida, State Farm, advertises annual prices 46% more affordable than the state mean insurance premium after a DUI. The second-cheapest insurer for car insurance after a DUI in Florida is Progressive, while the priciest firm is Allstate, with rates 19% above average.


AUTO INSURANCE RATES WITH DUI IN FLORIDA — BY INSURER
Insurance CompanyAvg. Annual Rate — After DUI
State Farm$1,830
Progressive$3,613
GEICO$3,632

There’s no auto insurance company in particular that provides cheap DUI auto insurance. The best strategy to limit your losses in the wake of a DUI violation is to shop around.

Compare auto insurance policies online or contact an insurance agent to gauge your choices and discover a cost-effective policy.

Learn more about car insurance and DUIs.

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Florida DUI laws

Florida considers drivers to be DUI when their blood alcohol concentration measures 0.08% or higher. This is stricter for commercial drivers, whose limit is a mere 0.04%. Drivers under 21 are considered DUI if their BAC reads 0.02% or higher.


DUI penalties in Florida

The lookback period in Florida is five years for a second DUI offense and 10 years for subsequent offenses.

In all cases, fines are increased for BAC readings of 0.15% or higher or in instances where minors were being transported as passengers. Jail sentences will also be increased in such cases.

For the first DUI conviction in Florida, offenders will be subject to:

  • Fines of $500 to $1,000
  • Imprisonment for up to six months
  • License revocation for 180 days to one year
  • Installation and use of an interlock ignition device for up to six months
  • Mandatory 50 hours of community service, or additional $10 fine for each hour of assigned community service
  • Vehicle impoundment for 10 days (not concurrent with imprisonment)

Second-time DUI offenses in Florida result in:

  • Fines of $1,000 to $2,000
  • Imprisonment for up to nine months
  • License revocation for five years
  • Installation and use of an IID for up to two years
  • Vehicle impoundment for 30 days (not concurrent with imprisonment)

A third DUI offense in Florida leads to:

  • Fines of $2,000 to $5,000
  • Imprisonment for up to 12 months
  • License revocation for 10 years
  • Installation and use of an IID for up to two years
  • Vehicle impoundment for 90 days (not concurrent with imprisonment)

For the fourth or subsequent DUI convictions, penalties are:

  • Minimum fine of $2,000
  • Imprisonment for up to five years
  • Lifetime license revocation

Penalties are increased for DUI offenses leading to property damage, injury, or death.


DUI laws for underage drivers in Florida

Florida is a zero-tolerance state. Those under the drinking age of 21 found to have a BAC of 0.02% or higher are considered to be DUI.

Underage drivers with a BAC of 0.08% or higher are subject to the same penalties as DUI offenders over 21 years old.

If an underage driver's BAC is between 0.02% and 0.08%, they are not charged with a criminal DUI. However, they are subject to:

  • A six-month license suspension
  • Mandatory evaluation at an addictions facility or attendance in an alcohol education program (if under 18 years old)

Subsequent offenses will lead to a license suspension for one year.

Sources and references:

https://www.flhsmv.gov/driver-licenses-id-cards/education-courses/dui-and-iid/florida-dui-administrative-suspension-laws/

https://www.tampacriminalattorneys.com/criminal-defense-blog/2018/may/lookback-period-for-a-florida-dui/

http://www.leg.state.fl.us/Statutes/index.cfm?App_mode=Display_Statute&URL=0300-0399/0316/Sections/0316.193.html

https://www.stateofflorida.com/dui-information.aspx

https://www.dmv.org/fl-florida/automotive-law/dui.php

https://www.dmvflorida.org/florida-traffic-laws/florida-dui

http://www.dunhampa.com/criminal-defense/dui/under-21-dui/

https://dui.drivinglaws.org/resources/dui-and-dwi/dui-laws-state/florida-underage-dui.htm

Drunk Driving Statistics

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