DUI Insurance in Florida: What You Need to Know
Getting a DUI in Florida doesn’t just mean fines and potential jail time — it also means significantly higher insurance costs and a special filing requirement called an FR44. At Foxx Insurance, we specialize in helping Florida drivers navigate the insurance aftermath of a DUI conviction, with same-day FR44 filing and competitive rates from multiple carriers.
What Happens to Your Insurance After a DUI in Florida?
After a DUI conviction in Florida, several things happen to your auto insurance:
- Your current insurer may drop you — many standard insurance companies won’t cover drivers with DUI convictions
- You’ll be classified as high-risk — this means significantly higher premiums
- You’ll need an FR44 filing — Florida requires DUI offenders to carry an FR44 certificate with much higher coverage limits
- Your rates will increase 50-200%+ — depending on your history and the severity of the offense
What Is the FR44 Requirement?
Florida is one of only two states that uses the FR44 form (the other is Virginia). After a DUI conviction, the Florida DHSMV requires you to carry an FR44 certificate proving you have insurance with these minimum limits:
- $100,000 Bodily Injury per person
- $300,000 Bodily Injury per accident
- $50,000 Property Damage per accident
This is 10 times higher than Florida’s standard minimum of $10,000/$20,000/$10,000. You must maintain this coverage for 3 consecutive years.
Learn more about FR44 insurance requirements in Florida.
How Much Does DUI Insurance Cost in Florida?
DUI insurance in Florida typically costs between $200 and $500+ per month, depending on:
- First offense vs. repeat offense — multiple DUIs mean much higher rates
- BAC level at time of arrest — higher BAC often means higher premiums
- Your age and driving history — prior violations compound the cost
- Vehicle type — more expensive cars cost more to insure
- Your location in Florida — Miami, Tampa, and Orlando tend to be more expensive
At Foxx Insurance, we work with carriers that specialize in DUI insurance. We shop multiple companies to find you the most affordable coverage that meets Florida’s FR44 requirements.
Steps to Get DUI Insurance in Florida
- Contact Foxx Insurance — call (239) 228-2345 or request a quote online
- Provide your details — we’ll need your license number, DUI conviction date, and any other violation history
- We shop your rate — we compare quotes from multiple high-risk insurance carriers
- Choose your policy — we’ll explain your options and help you pick the best coverage for your budget
- We file your FR44 — we electronically file your FR44 with the Florida DHSMV, often the same day
- Begin license reinstatement — once your FR44 is filed, you can start the process of getting your license back
How to Get Your License Back After a DUI in Florida
Getting your license reinstated after a DUI in Florida involves several steps:
- Complete your court-ordered requirements — DUI school, community service, probation, etc.
- Obtain FR44 insurance — you cannot reinstate without proof of FR44 coverage
- Pay all fines and reinstatement fees — typically costs that vary+ depending on the offense
- Apply for a hardship license (if eligible) — this allows limited driving privileges while your regular license is suspended
- Complete the full suspension period — 6 months for first offense, up to 5 years for repeat offenses
Florida DUI Penalties and Insurance Implications
| Offense | License Suspension | FR44 Required | Estimated Insurance Impact |
|---|---|---|---|
| 1st DUI | 180 days – 1 year | Yes, 3 years | 50-150% rate increase |
| 2nd DUI (within 5 yrs) | 5 years minimum | Yes, 3 years | 100-200% rate increase |
| 2nd DUI (after 5 yrs) | 180 days – 1 year | Yes, 3 years | 75-175% rate increase |
| 3rd DUI (within 10 yrs) | 10 years minimum | Yes, 3 years | 150-300% rate increase |
| 4th+ DUI | Permanent revocation | Yes, 3 years | 200%+ rate increase |
Tips to Lower Your DUI Insurance Costs
- Shop multiple carriers — rates vary dramatically between companies (Foxx Insurance does this for you)
- Maintain a clean record — no additional violations will help your rates decrease over time
- Complete a defensive driving course — some carriers offer discounts
- Bundle policies — combining auto with renters or homeowners insurance can save money
- Increase your deductible — a higher deductible lowers your monthly premium
- Don’t let your policy lapse — continuous coverage demonstrates responsibility and keeps rates from climbing further
Frequently Asked Questions About DUI Insurance in Florida
How long does a DUI affect insurance in Florida?
A DUI typically affects your insurance rates for 3-7 years in Florida. The FR44 requirement lasts 3 years, but insurers can see the conviction on your record for longer and may charge higher rates accordingly.
Can I drive after a DUI in Florida?
After completing your court requirements and obtaining FR44 insurance, you may be eligible for a hardship license that allows limited driving (such as to work, school, or medical appointments). Full license reinstatement comes after completing your suspension period.
Do I need FR44 or SR22 after a DUI in Florida?
In Florida, you need an FR44 — not an SR22 — after a DUI conviction. The FR44 requires higher coverage limits ($100,000/$300,000/$50,000) compared to an SR22.
What if I can’t afford DUI insurance?
Foxx Insurance specializes in finding affordable DUI insurance. We shop multiple carriers to find the lowest rate available. Non-owner policies are also an option if you don’t own a vehicle, and they’re typically cheaper.
Get Your DUI Insurance Quote Today
Don’t let a DUI keep you off the road longer than necessary. Call Foxx Insurance at (239) 228-2345 or request a free quote online. We’ll get you covered and filed — fast, affordable, and judgment-free.
Get Your FR44/SR22 Insurance Today
Call 877-409-1063 now for a free quote and same-day filing. Our licensed agents are ready to help you get back on the road legally and affordably.