Car insurance after a DUI in Florida
A DUI does not make you uninsurable. In Florida it means an FR-44 filing to get your license back. We do this every day, without judgment, and we work to bring your rate down over time.
- ✓ No judgment, ever
- ✓ FR-44 filed with the state
- ✓ Owner & non-owner options
- ✓ Rates ease as the DUI ages
Get covered after a DUI
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What does a DUI mean for your insurance?
In Florida, DUI insurance is really just standard auto coverage plus the FR-44 filing the state requires before you can drive again.
A DUI conviction
The court and the FLHSMV require proof of higher liability before your license is reinstated.
FR-44 insurance filed
We place the coverage at 100/300/50 and file the certificate with the state for you.
Back on the road
With the filing on record, your suspension can be lifted and you can drive legally again.
Who needs DUI insurance in Florida?
If a Florida court or the FLHSMV told you to carry insurance after a DUI, you need an FR-44 policy, whether or not you own a car.
- You were convicted of a DUI
- Your license is suspended and needs reinstating
- You were told to carry FR-44
What DUI insurance in Florida includes
A DUI policy is a normal auto policy raised to the FR-44 limits, with the certificate filed with the state.
FR-44 liability Included
Bodily injury and property damage at 100/300/50, the level Florida requires post-DUI.
Florida PIP Included
Personal injury protection, required on every Florida auto policy.
Owner or non-owner Included
Coverage on your vehicle, or a non-owner policy if you do not own one.
The FLHSMV filing Included
The FR-44 certificate itself, filed electronically as your proof.
The part people worry about most
- Yes, your premium rises after a DUI, but it is temporary and it eases as the conviction ages.
- A suspended license is not a barrier; filing the FR-44 is part of lifting the suspension.
- There is no lecture here. Our job is to get you covered quickly and affordably.
How long does a DUI affect your insurance?
The increase is real, but it is temporary. As the conviction ages and you keep continuous coverage, your rate eases year over year until the FR-44 requirement ends.
Illustrative direction of rates, not exact figures. Your path depends on your record and carrier.
How to get covered after a DUI
You can usually be quoted, covered, and filed in a single call. Here is the path.
Tell us what happened
Just enough to price your FR-44. We have heard it all and we do not judge.
Choose your coverage
Owner or non-owner, at the lowest rate we can find across carriers.
We file with the state
Your FR-44 goes to the FLHSMV so your reinstatement can move forward.
DUI insurance vs your old policy
After a DUI, only a few things change. Most of your coverage works the way it always did.
| After a DUI (FR-44) | Standard policy | |
|---|---|---|
| Liability required | 100/300/50 | State minimum |
| State filing | FR-44 certificate | None |
| How long | About 3 years | Ongoing |
| PIP | Required | Required |
| Rate direction | Higher, then eases | Stable |
How much does a DUI raise your insurance?
It varies by driver, but expect a meaningful increase because FR-44 requires higher liability. The filing fee itself is minimal, and comparing carriers is what softens the jump.
What shapes your rate
We shop multiple carriers, apply every discount, and re-shop each renewal as the DUI ages and rates ease.
The increase is temporary. We re-shop your policy over time so you pay less as the DUI ages.
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After my DUI I felt like no one would insure me. Evan handled everything, no judgment, and got me back on the road the same week.Chrystal K. · Verified Google review
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DUI insurance questions, answered
Can I get car insurance in Florida after a DUI?
Yes. A DUI does not make you uninsurable. In Florida you carry an FR-44 policy at higher liability limits, and we place that coverage and file it with the state every day.
How much does a DUI raise insurance in Florida?
It varies by driver and carrier, but expect a meaningful increase because FR-44 requires higher liability. Comparing carriers is the best way to soften the jump, and rates ease as the conviction ages.
How long does a DUI affect my insurance?
You generally carry FR-44 for about three years. Rates usually improve before that as the conviction ages and you keep continuous coverage with no new incidents.
Can I get insurance with a suspended license?
Yes. Getting the FR-44 policy is part of lifting the suspension. We can quote and file so your reinstatement can move forward.
Do I need FR-44 or SR-22 after a DUI in Florida?
After a DUI conviction, Florida requires FR-44, which carries higher liability than SR-22. If you are unsure which the state expects, we confirm it before you buy.
Will you judge me for a DUI?
No. This is what we do every day. Our job is to get you covered quickly and affordably, not to lecture you.
Informational only. Not legal, financial, or insurance advice. FR-44 requirements are set by Florida (FLHSMV) and the courts and can change, so verify your specific requirement with the FLHSMV. Pricing shown is illustrative, not a quote.
FR-44 guides on this topic
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