Car Insurance After a DUI in Florida: Cheapest Companies & Rates (2026)
Quick Answer
A DUI in Florida increases car insurance rates by an average of 119%, raising a typical full coverage policy from $3,945/year to $8,640/year. That's an increase of $4,695/year ($391/month). Rates typically return to normal after 3-7 years.
✓ Updated March 2026✓ Based on state insurance filings
DUI Rate Impact in Florida
Before DUI
$329/mo
$3,945/year full coverage
After DUI (+119%)
$720/mo
$8,640/year full coverage
Cheapest Companies After DUI in Florida
| Company | Monthly | Annual | Best For |
|---|---|---|---|
| CheapestUSAA | $533/mo | $6,394/yr | Military families |
| Erie Insurance | $569/mo | $6,826/yr | Rate lock guarantee |
| GEICO | $590/mo | $7,085/yr | Clean driving record |
| Progressive | $634/mo | $7,603/yr | Telematics savings |
| State Farm | $655/mo | $7,862/yr | Good students |
| Travelers | $684/mo | $8,208/yr | Multiple discounts |
| Nationwide | $749/mo | $8,986/yr | Bundling home + auto |
| Farmers | $778/mo | $9,331/yr | Signal telematics |
| Allstate | $806/mo | $9,677/yr | Accident forgiveness |
| Liberty Mutual | $850/mo | $10,195/yr | New car replacement |
USAACheapest
Monthly
$533/mo
Annual
$6,394/yr
Best for: Military families
Erie Insurance
Monthly
$569/mo
Annual
$6,826/yr
Best for: Rate lock guarantee
GEICO
Monthly
$590/mo
Annual
$7,085/yr
Best for: Clean driving record
Progressive
Monthly
$634/mo
Annual
$7,603/yr
Best for: Telematics savings
State Farm
Monthly
$655/mo
Annual
$7,862/yr
Best for: Good students
Travelers
Monthly
$684/mo
Annual
$8,208/yr
Best for: Multiple discounts
Nationwide
Monthly
$749/mo
Annual
$8,986/yr
Best for: Bundling home + auto
Farmers
Monthly
$778/mo
Annual
$9,331/yr
Best for: Signal telematics
Allstate
Monthly
$806/mo
Annual
$9,677/yr
Best for: Accident forgiveness
Liberty Mutual
Monthly
$850/mo
Annual
$10,195/yr
Best for: New car replacement
Rates based on a 30-year-old driver with one DUI conviction, Florida, full coverage. Updated March 2026.
These are estimates based on state averages. Your exact rate depends on your specific profile.
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DUI Legal Consequences in Florida
- License suspension for 90 days to 1 year (first offense)
- Fines ranging from $500 to $5,000+
- Mandatory alcohol education or treatment program
- Possible ignition interlock device requirement
- SR-22 insurance filing required for 3 years
- Potential jail time (varies by BAC level and prior offenses)
SR-22 Insurance in Florida
An SR-22 is a certificate of financial responsibility that your insurer files with the state. It's not a type of insurance — it's proof that you carry at least the state minimum coverage.
- Filing fee: $15-50 (one-time)
- Duration: 3 years in Florida
- Lapsing your SR-22 triggers immediate license suspension
- Not all insurers offer SR-22 — Progressive, GEICO, and State Farm do
When Do Rates Return to Normal?
| Years After DUI | Estimated Monthly Rate | vs. Clean Record |
|---|---|---|
| Year 0 | $720/mo | +119% |
| Year 1 | $681/mo | +107% |
| Year 2 | $622/mo | +89% |
| Year 3 | $524/mo | +60% |
| Year 5 | $407/mo | +24% |
| Year 7 | $329/mo | Normal |