DUI insurance Florida FR44 premiums and the associated costs are among the highest in the nation, and you may wonder why. Even standard auto insurance in Florida is much more expensive than in other states. The state’s unpredictable weather is a contributing factor to the high cost of Florida auto insurance. Just one hurricane in a year can cause an avalanche of claims that result in premium adjustment increases statewide. But a major reason Florida’s auto insurance rates are so high is the Florida No Fault Law, which allows PIP (personal injury protection) claims. Fraudulent PIP claims are common in Florida, contributing to the high cost of auto insurance. Some insurance companies will decline you altogether if there is a PIP claim on your record, whether it was legitimate or not. Even if a claim is filed by the other party, it can impact you in a negative way.
Other costs related to Florida FR44 DUI insurance
If you have a Florida DUI conviction, your insurance costs are further multiplied. The minimum liability insurance coverage requirement for FR44 insurance increases tenfold over standard coverage requirements. Minimum coverage for standard insurance is 10/20/10. This increases to 100/300/50 for an FR44 certificate ($100,000 bodily injury for each person, $300,000 bodily injury for each accident, and $50,000 property damage). With the higher liability coverage comes an increase in your insurance premiums.
Additional costs and penalties after a Florida DUI conviction are fines ($500 to $5,000 depending on the number of convictions on your record). You may be required to install an ignition interlock device, involving additional fees. Finally, if you want to reinstate your license there are reinstatement fees of $150 for a first offense, $250 for a second offense or $500 for a third offense. See the Florida DHSMV website for more information on the state’s DUI Program Service Fees.
Learn more about Florida FR44:
- Florida DUI Insurance
- What is FR44 Florida?
- Florida FR44 Insurance Requirements
- Non Owner FR44 Florida
- Florida Implied Consent
- Florida DUI Penalties
- Florida FR44 Motorcycle Insurance
You’ll be required to carry DUI insurance Florida FR44 for 3 consecutive years without any lapse of coverage, whether your own a car or not. This is where UltraCar Insurance can help. We’ll get you the lowest rate possible for Florida FR44 insurance or Florida non owner FR44 if you don’t own a car. Click to start a Florida FR44 insurance quote now, or call and speak with one of our licensed agents today!