Best Auto Insurance After a DUI in Florida (Top 9 Companies for 2024)
Dairyland, The Hartford, and USAA offer the best auto insurance after a DUI in Florida. DUI insurance costs start at $148/month with Dairyland, but high-risk drivers can save with low mileage and membership discounts. USAA is the cheapest DUI auto insurance in Florida at $28/month for military members.
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Daniel Walker
Licensed Auto Insurance Agent
Daniel Walker graduated with a BS in Administrative Management in 2005 and has run his family’s insurance agency, FCI Agency, for over 15 years (BBB A+). He is licensed as an insurance agent to write property and casualty insurance, including home, life, auto, umbrella, and dwelling fire insurance. He’s also been featured on sites like Reviews.com and Safeco. To ensure our content is accura...
Licensed Auto Insurance Agent
UPDATED: Aug 14, 2024
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Advertiser Disclosure: We strive to help you make confident auto insurance decisions. Comparison shopping should be easy. We are not affiliated with any one auto insurance provider and cannot guarantee quotes from any single provider. Our partnerships don’t influence our content. Our opinions are our own. To compare quotes from many different companies please enter your ZIP code on this page to use the free quote tool. The more quotes you compare, the more chances to save.
Editorial Guidelines: We are a free online resource for anyone interested in learning more about auto insurance. Our goal is to be an objective, third-party resource for everything auto insurance related. We update our site regularly, and all content is reviewed by auto insurance experts.
UPDATED: Aug 14, 2024
It’s all about you. We want to help you make the right coverage choices.
Advertiser Disclosure: We strive to help you make confident auto insurance decisions. Comparison shopping should be easy. We are not affiliated with any one auto insurance provider and cannot guarantee quotes from any single provider. Our partnerships don’t influence our content. Our opinions are our own. To compare quotes from many different companies please enter your ZIP code on this page to use the free quote tool. The more quotes you compare, the more chances to save.
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173 reviewsCompany Facts
Full Coverage After a DUI in Florida
A.M. Best Rating
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Full Coverage After a DUI in Florida
A.M. Best Rating
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6,435 reviewsCompany Facts
Full Coverage After a DUI in Florida
A.M. Best Rating
Complaint Level
Pros & Cons
6,435 reviews
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
Company Rank Low-Mileage Discount A.M. Best Best For Jump to Pros/Cons
#1 15% A+ Group Discounts Dairyland
#2 18% A+ Customer Service The Hartford
#3 20% A++ Military Benefits USAA
#4 14% A Loyalty Rewards American Family
#5 19% A+ Vanishing Deductibles Nationwide
#6 13% A+ Infrequent Drivers Allstate
#7 17% A++ Online Tools Geico
#8 16% A Flexible Payments Safeco
#9 12% A++ Coverage Options Travelers
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.
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- Dairyland offers high-risk auto insurance in Florida after a DUI for $148/month
- USAA is the cheapest car insurance after a DUI for $28/month
- DUI drivers are required to carry SR-22 or FR-44 insurance in Florida
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#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.
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#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.
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#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.
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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
| Insurance Company | Minimum Coverage | Full Coverage |
|---|---|---|
| Allstate | $77 | $231 |
| American Family | $105 | $312 |
| Dairyland | $148 | $410 |
| Geico | $65 | $194 |
| Nationwide | $72 | $215 |
| Safeco | $47 | $122 |
| The Hartford | $65 | $167 |
| Travelers | $116 | $347 |
| USAA | $28 | $85 |
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.
An individual's driving record heavily impacts premiums. A DUI marks the driver as high-risk, often leading to substantial rate increases.Laura Berry Former Licensed Insurance Producer
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.
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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.
Dairyland is the best choice for auto insurance in Florida after a DUI, with customer review ratings of 92% satisfaction.Michelle Robbins Licensed Insurance Agent
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.
Maintaining a clean driving record post-DUI and demonstrating responsible behavior can gradually reduce insurance costs over time.Schimri Yoyo Licensed Agent & Financial Advisor
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.
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Frequently Asked Questions
How much will my insurance go up after DUI in Florida?
After a DUI in Florida, your insurance rates can increase significantly. On average, drivers may see their premiums rise by 50% to 100% or more, depending on their insurance provider and driving history.
What is DUI insurance called in Florida?
In Florida, DUI insurance is often referred to as SR22 insurance. This form of coverage is required for drivers who have been convicted of a DUI to reinstate their driving privileges.
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How long do you need SR-22 insurance after a DUI in Florida?
You typically need FR-44 insurance in Florida for three years after a DUI conviction. This requirement ensures that you carry the minimum liability coverage mandated by the state.
What is SR-44 insurance in Florida?
SR-44 auto insurance in Florida is similar to SR-22 insurance but is only required for drivers who have been convicted of more severe offenses, such as multiple DUIs. SR-44 insurance mandates higher liability coverage limits than SR22.
Does auto insurance cover DUI accidents in Florida?
Car insurance generally covers DUI accidents in Florida, but it can depend on the terms of your policy. However, insurance companies may choose to non-renew or cancel your policy following a DUI accident, and you could face increased premiums.
How long does a DUI stay on your insurance in Florida?
A DUI can impact your insurance premiums for up to ten years in Florida. Insurance companies may consider this violation when calculating your rates during this period.
How does a DUI affect your life in Florida?
A DUI in Florida can have severe repercussions, including higher insurance premiums, potential job loss, difficulty finding employment, and personal and financial stress. It may also lead to legal consequences such as fines, license suspension, and mandatory rehabilitation programs.
What is the highest cost of a DUI in Florida?
The highest cost of a DUI in Florida can exceed $20,000 when considering fines, legal fees, increased insurance rates, DUI school, and other associated expenses. The long-term financial impact can be substantial.
Do you automatically lose your license with a DUI in Florida?
Yes, you automatically lose your license with a DUI in Florida. The length of the suspension can vary based on the specifics of the offense, but it typically starts with a minimum of six months for a first-time DUI. Learn how a suspended license affects auto insurance rates for more details.
Can you get a DUI removed from your record in Florida?
It is challenging to get a DUI removed from your record in Florida. While expungement is possible in some cases, DUIs are generally not eligible for removal from criminal records, making it essential to understand the long-term consequences.
Finding cheap car insurance quotes is easy. Just enter your ZIP code into our free comparison tool below to instantly compare quotes near you.
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Daniel Walker
Licensed Auto Insurance Agent
Daniel Walker graduated with a BS in Administrative Management in 2005 and has run his family’s insurance agency, FCI Agency, for over 15 years (BBB A+). He is licensed as an insurance agent to write property and casualty insurance, including home, life, auto, umbrella, and dwelling fire insurance. He’s also been featured on sites like Reviews.com and Safeco. To ensure our content is accura...
Licensed Auto Insurance Agent
Editorial Guidelines: We are a free online resource for anyone interested in learning more about auto insurance. Our goal is to be an objective, third-party resource for everything auto insurance related. We update our site regularly, and all content is reviewed by auto insurance experts.
