A DUI conviction does more than just impact your driving record—it significantly raises your insurance rates. Florida law requires drivers convicted of DUI to meet specific insurance requirements, often leading to higher costs. Understanding these financial consequences can help you prepare for potential rate increases.
How much will your insurance increase?
After a DUI, insurance companies view you as a high-risk driver. In Florida, this can lead to your premiums doubling or even tripling. The exact increase depends on factors like your driving history, the severity of the offense, and whether it was a first-time or repeat DUI. Some insurers may even cancel your policy altogether, forcing you to find coverage with a company that specializes in high-risk drivers.
What is an FR-44 requirement?
Florida requires DUI offenders to file an FR-44 form, which proves they carry higher liability insurance limits. Unlike the SR-22, which applies to other traffic offenses, the FR-44 comes with stricter coverage minimums:
- $100,000 for bodily injury per person
- $300,000 for bodily injury per accident
- $50,000 for property damage
These requirements make insurance significantly more expensive. Most drivers must maintain FR-44 coverage for three years, adding to the long-term financial impact.
Can you lower your rates after a DUI?
Although your rates will rise, there are ways to minimize the financial burden. Shopping around for different insurers may help you find a more affordable policy. Over time, maintaining a clean driving record can help reduce your rates.
The long-term impact of a DUI on insurance
A DUI remains on your driving record for 75 years in Florida, but insurers typically consider offenses for three to five years. During this time, you can expect higher premiums. Avoiding further violations and maintaining continuous coverage can help you regain lower rates sooner.
