A DUI conviction changes your insurance situation in Florida in several specific ways. This guide walks through each of them.
The immediate insurance requirement
Florida requires an FR-44 filing after most DUI and DWI convictions. Your insurance company must file this certificate with the FLHSMV, confirming you carry liability coverage above the state’s standard minimums, typically for a three-year period without any lapse. See our full FR-44 insurance guide for details on the filing itself.
License suspension and reinstatement
A DUI conviction often triggers a license suspension. Reinstatement usually requires completing any court-ordered conditions (such as a DUI program), paying reinstatement fees, and providing proof of FR-44 coverage. The insurance piece can typically move quickly once you’re ready to shop for a policy.
How much your rate will increase
Expect a meaningful premium increase following a DUI, driven by both the higher required coverage limits and how insurers weigh the conviction in risk pricing. The exact amount varies significantly by carrier — this is one of the biggest reasons to compare multiple quotes rather than accepting the first one.
How long the impact lasts
The FR-44 filing requirement itself typically lasts three years. The conviction remains on your driving record far longer, but its weight in insurance pricing generally decreases over time, especially after the FR-44 period concludes.
What if this isn’t your first DUI
Repeat convictions can extend suspension periods, increase fines, and sometimes affect the specific coverage limits or conditions attached to your case. If you’re facing a second or subsequent DUI, your court notice is the definitive source for your exact requirements.
Steps to take right away
- Confirm your specific FR-44 requirement and dates from your court or FLHSMV notice
- Complete any required courses or conditions tied to reinstatement
- Compare quotes from carriers that offer FR-44 filings
- Activate your policy and confirm the FR-44 filing is submitted
- Maintain continuous coverage for your full required period
Moving forward with confidence
A DUI conviction doesn’t mean you’re stuck with high rates indefinitely. Shopping carefully now, and maintaining a clean, continuous record going forward, puts you on the fastest path back to standard insurance pricing.
Get a free quote to compare FR-44 coverage from multiple Florida carriers, or text us if you have questions about your specific situation.
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