Driving under the influence (DUI) is a serious offense in Florida. If you have been convicted of a DUI, it can have a significant impact on your life, including your car insurance rates. In this article, we will discuss car insurance after a DUI in Florida, what you need to know, and how to get affordable car insurance.
What is a DUI in Florida?
In Florida, a DUI is defined as driving or being in actual physical control of a vehicle while under the influence of alcohol, drugs or both. The legal limit for blood alcohol content (BAC) in Florida is 0.08%. If you are caught driving with a BAC of 0.08% or higher, you will be charged with a DUI.
How Does a DUI Affect Car Insurance Rates?
A DUI conviction can lead to an increase in car insurance rates. Insurance companies view drivers with a DUI conviction as high-risk and are likely to charge them higher premiums. The increase in rates can last for several years, depending on the severity of the offense.
What Are the Penalties for a DUI in Florida?
The penalties for a DUI conviction in Florida depend on several factors, including the driver’s BAC, age, and whether it is a first-time offense or a repeat offense. Penalties can include fines, license suspension, community service, and even jail time.
How Can You Get Affordable Car Insurance After a DUI?
Getting affordable car insurance after a DUI can be a challenge, but it is not impossible. Here are some tips to help you get affordable car insurance:
- Shop around: Get quotes from several insurance companies to compare rates.
- Consider a high-risk insurer: Some insurance companies specialize in providing coverage to high-risk drivers.
- Take a defensive driving course: Completing a defensive driving course can help lower your car insurance rates.
- Drive safely: Maintaining a clean driving record can help you get lower car insurance rates over time.
Conclusion
A DUI conviction in Florida can have a significant impact on your car insurance rates. However, by shopping around and taking steps to improve your driving record, you can get affordable car insurance. Remember to always drive safely and never drink and drive.
