A DUI conviction in Florida almost always changes your insurance situation, both in terms of what coverage you’re required to carry and what it costs. Here’s what typically happens.
The FR-44 requirement
Florida requires an FR-44 filing after most DUI and DWI convictions. This means your insurer must file a 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 FR-44 insurance guide for the full breakdown.
Rate impact
Expect your premium to increase, sometimes substantially, following a DUI. This reflects both the higher required coverage limits and how insurers weigh the conviction itself when calculating risk. The exact increase varies a great deal by carrier, which is why comparing multiple quotes matters more than ever in this situation.
License reinstatement
In many cases, proof of FR-44 coverage is a required step to reinstate a suspended license after a DUI. Your insurance company handles the electronic filing once your policy is active, but timing matters — get compliant coverage in place as soon as you’re able to apply for reinstatement.
What doesn’t change
You still need the same core coverage types as any Florida driver — Personal Injury Protection (PIP), Property Damage Liability (PDL), and typically bodily injury liability. The DUI mainly changes the required limits and adds the FR-44 filing requirement on top of a standard policy.
Moving forward
A DUI doesn’t mean you’re stuck with one option. Not every insurer prices FR-44 risk the same way, so shopping around can meaningfully affect what you pay. Get a free quote to compare Florida carriers, or read our Florida DUI Insurance Guide for more detail.
Ready for a fast FR-44 or SR-22 quote?
We compare multiple Florida carriers to help you find affordable coverage.