The best car insurance in Florida for drivers with a DUI is from State Farm. The average cost of insurance after one DUI in Florida is $3,504 per year, while State Farm customers with a DUI only pay an average of $1,851. That’s an increase of about 8% compared to State Farm’s rates for drivers with clean records, a much lower figure than the statewide average increase of 56% after a DUI.
Best DUI Insurance Companies in Florida
All of the companies on this list will insure Florida drivers in need of an FR-44, which is a state-issued certificate that serves as verification of insurance for drivers who have been convicted of DUI. Drivers insured by Progressive, Geico and Allstate see a steeper increase in their premium after a DUI compared to State Farm, but their highly competitive initial rates mean that they’re still among the most affordable options for drivers with a DUI. USAA’s rates are also among the lowest on the market, but they are only available to military service members and their families.
Insurance after a DUI is going to be expensive no matter what, but if your rates are suddenly unaffordable, you should consider removing extra coverage from your policy or switching insurers altogether. The good news is that a DUI will only affect your insurance premium for 3-5 years, so your rates will eventually go back down if you practice safe driving habits.
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