Will Your Auto Insurance Rate Ever Return to Pre-DUI Levels?

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When will your car insurance premiums drop after a DUI?

After you are charged with a DUI, you will have to deal with several consequences.  Not only will you need secure special Florida FR44 insurance, but you will also have to pay more for this coverage as well.  Naturally, many drivers wonder if their auto insurance rates will ever drop down to pre-DUI levels.  Here’s what you need to know about recovering from a DUI.

Rate Increase Following a DUI

As mentioned above, Florida drivers who are convicted of a DUI are required to secure FR44 insurance.  This is a special form of auto coverage designed to offer higher liability coverage limits in order to protect the public.  Because this form of insurance offers more coverage, it is more expensive than standard auto insurance policies.  Typically, FR44 insurance costs at least 2- to 3-times what you paid for insurance before your DUI.

How Long Will Your Rates Remain High?

Your auto insurance rates will be high as long as your DUI remains on your driving record.  In Florida, DUIs remain on your record between three and five years.  This means that you will have to pay higher rates for a minimum of three years.  After this period of time, your DUI will be “forgiven,” and you will be eligible for standard auto insurance once again.

If you are guilty of DUI, then this is what you need to know about your car insurance rates returning to normal.  Do you have further questions about Florida FR44 insurance?  If so, then contact the experts at Staybull Insurance.  We are ready to assist you with your FR44 filing today.

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