Getting a DUI in Florida can have serious consequences, including affecting your car insurance rates. Car insurance after a DUI in Florida can be expensive, but there are ways to mitigate the costs.
What Happens After a DUI in Florida?
After a DUI in Florida, you may experience a range of consequences. This can include losing your license, paying fines, and having to attend DUI school. In addition, your car insurance rates are likely to increase.
Florida is known for having strict DUI laws, and the consequences of a DUI can be severe. It is important to take the necessary steps to minimize any potential negative impacts on your life.
How DUI Affects Car Insurance Rates in Florida
After a DUI in Florida, your car insurance rates are likely to increase significantly. This is because insurers view DUIs as a high-risk behavior, which increases the likelihood of accidents and claims.
According to the Florida Department of Highway Safety and Motor Vehicles (FLHSMV), drivers with a DUI on their record can expect to pay up to three times more for car insurance than those without one.
How to Get Car Insurance After a DUI in Florida
Getting car insurance after a DUI in Florida can be difficult, but it is possible. Here are some steps you can take to find car insurance:
- Shop around: Different insurers have different policies when it comes to DUIs. Shopping around can help you find the best rates.
- Consider non-standard insurers: Non-standard insurers specialize in providing coverage to high-risk drivers, including those with a DUI on their record.
- Take a defensive driving course: Completing a defensive driving course can show insurers that you are committed to safe driving and may help reduce your rates.
- Consider a different car: Some cars are more expensive to insure than others. If you are looking for a new car, consider one that is cheaper to insure.
How Long Does a DUI Stay on Your Record in Florida?
In Florida, a DUI conviction will stay on your driving record for 75 years. This means that any car insurance company that checks your record during that time will see the DUI.
However, the impact of a DUI on your car insurance rates will decrease over time. After three to five years, you may see a significant reduction in your rates.
Conclusion
Getting a DUI in Florida can have serious consequences, including affecting your car insurance rates. However, there are steps you can take to mitigate the costs, including shopping around for different insurers, taking a defensive driving course, and considering a different car.
It is important to remember that a DUI will stay on your driving record for 75 years in Florida, but the impact on your car insurance rates will decrease over time.
