Florida Car Insurance with a DUI

If you are found guilty of DUI in Florida, your car insurance policy is going to get more expensive — it's just a question of how much you'll end up paying. Fortunately for your wallet, Florida auto insurance rates are not impacted substantially by your DUI history, versus other American states.

Need a cheap policy? Compare rates today!

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How does a DUI change car insurance in Florida?

In Florida, a DUI can increase your annual auto insurance premium by a mean of $955. That’s 7% less than the national average premium hike after a DUI.

AreaAvg. rate - no DUIAvg. rate - with DUIAvg. increase after DUI
United States$1,397.11$2,416.8772%

Getting car insurance in Florida with a DUI conviction

Getting cheap car coverage in the wake of a DUI conviction is far from straightforward. In fact, a DUI often brings about a more substantial rate hike than does any single driving violation — more than an at-fault accident, racing, or reckless driving.

Best car insurance after a DUI in Florida

If you've been convicted of a DWI or DUI violation in Florida, it is critical to weigh your insurance possibilities judiciously. Car insurance rates in the wake of a DUI can vary substantially by company. For instance, the cheapest car insurance company with a DUI in Florida, USAA, offers yearly rates 46% more affordable than the state mean insurance premium with a DUI. The next-most affordable option for auto insurance with a DUI in Florida is State Farm, while the priciest company is Infinity, with prices 118% above the mean.

Insurance companyAvg. rate after DUI
State Farm$1,769

There’s no car insurer in particular that sells affordable DUI car insurance. The best course of action to save post-DUI conviction is to shop policies.

Find quotes on the Internet or contact an insurance expert to survey the landscape and discover a sensible option.

Read more about car insurance after a DUI.

Find affordable car insurance after a DUI: compare rates now!

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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:









2019 Drunk Driving Statistics

Ava Lynch LinkedIn

Based in Austin, TX, Ava has been in the insurance industry as a licensed agent for 4-plus years. Ava is currently one of The Zebra’s resident property insurance experts and has been featured in publications such as US News Report, GasBuddy, and Yahoo! Finance.