How to Get Car Insurance with a DUI in Florida

Introduction

Getting a DUI in Florida can have serious consequences—not just legally, but financially as well. One of the biggest hurdles you’ll face after a DUI is finding affordable car insurance. Your premiums can increase dramatically, and many insurers may even cancel your coverage.

The good news? You still have options. In this guide, we’ll explain:

• How a DUI affects your car insurance in Florida
• What an SR-22 is and when you need one
• How to find affordable coverage with White Chip Insurance

How Does a DUI Affect Car Insurance in Florida?

A DUI conviction in Florida means you're now considered a high-risk driver, and insurers will adjust your rates accordingly.

Key impacts include:

• Premium increases of 50% to 200% or more
• Policy cancellation by your current insurer
• Limited access to standard insurance markets
• Mandatory SR-22 filing for license reinstatement

Your DUI conviction will typically stay on your Florida driving record for 75 years, but insurers usually look back 3–5 years when determining rates.

What Is an SR-22 and Do You Need One?

An SR-22 is not a type of insurance—it’s a certificate of financial responsibility your insurance company files with the Florida DMV. It proves that you carry the minimum liability insurance required by the state.

You may need an SR-22 if:

• You’ve been convicted of DUI or DWI
• You’ve had your license suspended or revoked
• You were caught driving without insurance

Florida Minimum Requirements for SR-22:

• $10,000 Personal Injury Protection (PIP)
• $10,000 Property Damage Liability (PDL)
• $100,000 Bodily Injury Liability per person
• $300,000 Bodily Injury Liability per accident

How to Get Affordable Car Insurance After a DUI in Florida

1. Work with a Specialized Agency Like White Chip Insurance

Most major insurers raise rates significantly—or refuse to insure DUI drivers altogether. White Chip Insurance works with companies that specialize in high-risk drivers, making it easier to find affordable coverage

2. Be Honest About Your Driving History

Trying to hide a DUI won’t help—insurance companies check your driving record. Being upfront ensures an accurate quote and a smoother application process.

3. Shop Around for the Best Rate

Every insurer calculates risk differently. Some are more lenient with DUI convictions. White Chip Insurance compares rates from multiple high-risk providers so you can find the best option.

4. Choose the Right Coverage Level

After a DUI, you’ll be required to carry higher liability limits. But you can still save by adjusting your:

• Deductible
• Collision/comprehensive options
• Coverage add-ons

How Long Will You Pay Higher Rates After a DUI?

In Florida, a DUI affects your insurance for at least 3 to 5 years. However, with time and safe driving, your rates can gradually go back down.

To reduce rates faster:

• Maintain a clean record
• Avoid additional violations or claims
• Take a defensive driving course
• Improve your credit score

Can You Be Denied Car Insurance After a DUI?

Yes, some companies may refuse to cover you—but you are not uninsurable. There are insurers in Florida who specialize in DUI and SR-22 policies.

White Chip Insurance partners with reputable high-risk insurers, so you don’t have to search on your own.

How Much is SR-22 in Florida?

Average monthly premiums after a DUI in Florida can range from:

• $250 to $600 or more, depending on age, location, and driving history

With White Chip Insurance, we’ll help you:

• Find the lowest available premium
• Access discounts (where available)
• Set up a flexible payment plan
• File your SR-22 with the DMV for free

Final Thoughts

A DUI in Florida doesn’t have to wreck your finances. With the right approach—and the right help—you can find affordable car insurance, meet state requirements, and start rebuilding your driving record. Reach out to one of our experienced agents to take control of your coverage after a DUI, we're here to help you move forward.

Next Steps:

• Get a free quote from White Chip Insurance
• Speak with a licensed agent about SR-22 filing
• Start your policy today and get back on the road legally