Best Auto Insurance After a DUI in Florida (Top 9 Companies for 2026)

The top picks for the best auto insurance after a DUI in Florida are Dairyland, The Hartford, and USAA offering the most competitive rates overall for comprehensive auto insurance.

Dairyland is more expensive but offers group discounts to lower rates, including 11% off for government employees and 15% for low-mileage drivers.

Our Top 10 Company Picks: Best Auto Insurance in Florida After a DUI

We will delve into the key factors influencing insurance premiums for drivers with a DUI, including state regulations, individual driving records, and the variety of discounts available. Understanding these elements is crucial for securing the best possible rates and ensuring adequate coverage.

Get the right car insurance at the best price — enter your ZIP code above to shop for coverage from the top insurers.

#1 – Dairyland: Best for Group Discounts

Pros

• Group Discounts: Explore our Dairyland auto insurance review to see which discounts you qualify for as a high-risk driver.
• Flexible Payment Options: Provides flexible payment plans tailored for high-risk drivers in Florida after a DUI.
• Specialized Coverage: Focuses on comprehensive auto insurance specifically designed for drivers in Florida after a DUI.

Cons

• Higher Premiums: Generally higher premiums compared to standard policies in Florida after a DUI.
• Limited Discounts: Fewer discount opportunities available for DUI drivers in Florida.
• Coverage Variability: Coverage options may vary widely based on individual circumstances in Florida after a DUI.

#2 – The Hartford: Best for Customer Service

Pros

• Competitive Rates: For our The Hartford auto insurance review, discover how it offers competitive rates for Florida drivers after a DUI, helping to manage costs.
• Customer Service: Known for reliable customer service and support for drivers in Florida after a DUI.
• Comprehensive Policies: Provides comprehensive auto insurance policies tailored for those in Florida after a DUI.

Cons

• Fewer Discounts: Limited discount programs specifically for DUI drivers in Florida.
• Premium Increases: Possible premium increases upon policy renewal for DUI drivers in Florida.

#3 – USAA: Best for Military Benefits

Pros

• Military Benefits: Provides excellent benefits and discounts for military members in Florida after a DUI.
• Affordable Rates: View our USAA auto insurance review to learn about its competitive and affordable rates for high-risk drivers in Florida after a DUI.
• High Customer Satisfaction: Consistently high ratings for customer satisfaction among DUI drivers in Florida.

Cons

• Eligibility Restrictions: Only available to military members and their families in Florida after a DUI.
• Limited Availability: Coverage options may be limited based on individual circumstances in Florida after a DUI.

#4 – American Family: Best for Discount Programs

Pros

• Discounts Available: See our American Family auto insurance review to understand how it offers various discounts that can benefit DUI drivers in Florida.
• Reliable Coverage: Provides reliable coverage options tailored for DUI drivers in Florida.
• Customer Support: Known for strong customer support for those in Florida after a DUI.

Cons

• Higher Rates: May face higher rates compared to other insurance providers in Florida after a DUI.
• Premium Increases: Possible premium increases upon renewal for DUI drivers in Florida.

#5 – Nationwide: Best for Accident-Free Drivers

Pros

• Wide Range of Discounts: Offers numerous discounts beneficial for DUI drivers in Florida.
• Vanishing Deductibles: DUI drivers who avoid accidents or claims are rewarded with shrinking deductibles.
• Customer Service: In our Nationwide auto insurance review, find out about its good customer service ratings for high-risk drivers in Florida.

Cons

• Higher Premiums: Higher premiums for DUI drivers in Florida compared to drivers with clean records.
• Limited Availability: May have limited availability of certain coverage options in Florida after a DUI.

#6 – Allstate: Best for Low-Mileage Drivers

Pros

• Discount Programs: Various discount programs are available for DUI drivers in Florida. Read more in our Allstate Milewise review.
• Comprehensive Coverage: Offers comprehensive coverage tailored for high-risk drivers in Florida.
• Reliable Support: Take a look at our Allstate auto insurance review for insights into its strong customer support for those in Florida after a DUI.

Cons

• Higher Costs: Generally higher costs for DUI drivers in Florida.
• Limited Flexibility: Less flexibility in payment options for DUI drivers in Florida.

#7 – Geico: Best for Online Management

Pros

• User-Friendly Website: Easy to manage policies and claims online for DUI drivers in Florida.
• Affordable Rates: Based on our Geico auto insurance review, DUI insurance costs start at $65/month in Florida.
• Discount Opportunities: Numerous discount opportunities are available for high-risk drivers in Florida.

Cons

• Coverage Limits: Limited coverage options for high-risk drivers in Florida.
• Premium Increases: Possible premium increases upon renewal for DUI drivers in Florida.

#8 – Safeco: Best for Flexible Payment Plans

Pros

• Competitive Rates: With our Safeco auto insurance review, learn how it offers competitive rates for DUI drivers in Florida.
• Discounts Available: Provides various discounts beneficial for high-risk drivers in Florida.
• Strong Customer Support: Known for strong customer support for DUI drivers in Florida.

Cons

• Limited Availability: Coverage options may be limited for DUI drivers in Florida.
• Rate Increases: Possible rate increases upon policy renewal for DUI drivers in Florida.

#9 – Travelers: Best for Comprehensive Coverage

Pros

• Comprehensive Coverage: Provides comprehensive coverage options for DUI drivers in Florida.
• Discount Opportunities: Offers discounts beneficial for high-risk drivers in Florida.
• Reliable Support: Delve into our Travelers auto insurance review to explore its strong customer support for those in Florida after a DUI.

Cons

• Limited Discounts: Fewer discount opportunities specifically for DUI drivers in Florida.
• Premium Increases: Potential premium increases upon renewal for DUI drivers in Florida.

How Much Auto Insurance Costs in Florida After a DUI

In Florida, high-risk auto insurance rates for drivers with a DUI differ widely. Allstate’s rates are $77 for minimum and $231 for full coverage, while American Family charges $105 and $312 respectively. Dairyland’s rates are $148 and $410.

Florida DUI Auto Insurance Monthly Rates by Coverage Level & Provider

Geico offers $65 for minimum and $194 for full coverage, with Nationwide at $72 and $215. Safeco’s rates are $47 and $122, The Hartford’s are $65 and $167, Travelers’ are $116 and $347, and USAA provides the lowest rates at $28 and $85. Finding the right coverage at an affordable rate requires careful comparison.

Read More: What is a DUI?

Factors Influencing DUI Auto Insurance Rates in Florida

Auto insurance rates in Florida after a DUI conviction are influenced by several key factors. Firstly, state regulations play a significant role, as Florida has stringent penalties and requirements for DUI offenders, including filing FR-44 car insurance.

What are SR-22 and FR-44 insurance in Florida? Florida DUI insurance requirements may have you file FR-44 insurance that proves a driver carries the minimum coverage mandated by the state.

Additionally, the availability of discounts varies — some insurers offer discounts for defensive driving courses or installing anti-theft devices, which can help mitigate costs.

Lastly, the overall claims history and financial stability of the insurance provider also affect the rates offered to DUI drivers, with more established companies often providing more competitive and comprehensive options.

Auto Insurance Discounts for DUI Drivers in Florida

Our list of the best high-risk car insurance companies in Florida provides discounts such as multi-policy, safe driver, good student, military, and defensive driving. Exploring these discounts can help lower insurance costs effectively.

Securing cheap auto insurance in Florida after a DUI isn’t easy, as DUIs typically result in increased auto insurance points, which can raise premiums. However, taking advantage of available discounts can help offset some of these costs.

One common discount is for completing a defensive driving course. Understanding why you should take a defensive driving class demonstrates a commitment to safer driving and highlights benefits beyond insurance discounts, such as a reduced risk of accidents and increased confidence on the road.

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Right coverages to maximizing discounts, there’s a lot you can do to lower your auto rate. Click on link from Dairyland for more! https://t.co/FWaExaSllb #autoinsurance #insuranceagent #coverage pic.twitter.com/be1b5nvFdM

— MarketPlace 4 Insurance Agency (@4_starkville) April 20, 2023

Additionally, maintaining continuous coverage without lapses can qualify you for loyalty discounts. Some insurers also provide discounts for good credit scores, recognizing the correlation between financial responsibility and lower risk.

More Ways to Lower DUI Auto Insurance Rates in Florida

The financial challenges of higher auto insurance premiums after a DUI in Florida can be daunting. Follow these tips to mitigate costs and make DUI  insurance more affordable:

• Take a Defensive Driving Course: Many insurers offer discounts for completing a state-approved defensive driving program.
• Install Safety Features: Adding anti-theft devices and other safety features to your vehicle can qualify you for discounts.
• Maintain a Clean Driving Record: Avoid further traffic violations to improve your risk profile and lower premiums over time.
• Opt for a Higher Deductible: Choosing a higher deductible can reduce monthly premiums, though ensure you can cover the deductible if needed.
• Bundle Policies: Combining auto insurance with other policies, such as home or renter’s insurance, can lead to multi-policy discounts.

Always compare auto insurance quotes regularly from various insurers to find the most competitive rates, discounts, and deductibles.

Each provider treats DUI drivers in Florida differently, and comparing rates can help you find the best match for your budget. Additionally, staying informed about new discounts and insurance programs can further optimize your savings.

Learn More: How Auto Insurance Companies Check Driving Records

Case Studies: Auto Insurance After a DUI in Florida

Navigating high auto insurance rates after a DUI can be challenging, but practical strategies can help manage and reduce costs. The following case studies illustrate how different approaches can lead to significant savings on DUI car insurance:

• Case Study #1 – Competitive Rates: John, a resident of Miami, faced a DUI conviction last year, causing his insurance rates to skyrocket. He found a policy starting at $148/month with Dairyland, significantly lower than his previous rates. Competitive pricing and various discounts helped John manage his finances.
• Case Study #2 – Maximizing Customer Service: Sarah, living in Orlando, experienced a DUI conviction and prioritized excellent customer service for managing her policy. She chose The Hartford, whose representatives guided her through the process and ensured she understood her coverage and options.
• Case Study #3 – Leveraging Military Benefits: Mike, a retired military officer in Tampa, faced a DUI and needed specific benefits for military members. He chose USAA, which offers comprehensive coverage and exclusive military discounts, resulting in lower rates and additional support services.

These case studies show how to reduce auto insurance rates in Florida after a DUI. By exploring competitive rates, excellent customer service, and leveraging military benefits, these drivers found significant savings.

Learn how to lower your auto insurance rates to find more strategies that will help you find cheaper DUI insurance in Florida.

Where to Find the Best Auto Insurance in Florida After a DUI

Dairyland, The Hartford, and USAA may have the best auto insurance in Florida after a DUI. Dairyland is the most expensive at $148/month, while USAA has the cheapest auto insurance after a DUI in Florida at $28/mo. This is why it’s still crucial to shop around and compare different policies.

Rates and coverage can vary significantly by age and driving record.  High-risk auto insurance is expensive, but these providers offer competitive rates and resources to improve driving habits.

Comparing insurers, considering comprehensive coverage, and implementing strategies like defensive driving courses and bundling policies can also lower premiums. See if you’re getting the best deal on car insurance by entering your ZIP code below.