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 FR44 requirement
Florida requires an FR44 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 FR44 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 FR44 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 FR44 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 FR44 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.
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