Auto insurance after a Florida DUI — what to expect and how to rebuild.

Most of the confusion around "FR-44 vs. SR-22 — Florida's stricter filing" comes from advice written for other states. In the Florida auto market, the math is different. Florida re-shops every renewal. If the last time you compared was more than 12 months ago, the answer almost certainly changed: carriers entered or left the state, surplus lines moved, and driving record, vehicle, garaging ZIP and liability limits got re-weighted by the OIR filings.

What actually drives the outcome is driving record, vehicle, garaging ZIP and liability limits. Two homes a block apart can get $2,000 apart in premium because one of those levers shifted, and the only way to know which lever is yours is to put real numbers in front of Progressive, Mercury, National General, Bristol West and the non-standard book. Send us your current declarations page; we'll mark it up line by line and tell you whether the policy you have is still the right one for Lee, Charlotte and Collier counties.

"Required limits (100/300/50)" is one of the items underwriters re-rate every cycle — what was true last renewal isn't necessarily true at your 2026 quote. Florida re-shops every renewal. If the last time you compared was more than 12 months ago, the answer almost certainly changed: carriers entered or left the state, surplus lines moved, and driving record, vehicle, garaging ZIP and liability limits got re-weighted by the OIR filings.

Florida re-shops every renewal. If the last time you compared was more than 12 months ago, the answer almost certainly changed: carriers entered or left the state, surplus lines moved, and driving record, vehicle, garaging ZIP and liability limits got re-weighted by the OIR filings. We're independent, so we can quote across the full Florida book. The recommendation that comes back is whichever carrier wins on your file — not whichever one we'd rather sell.

On "The 3-year clock and how to keep it clean", the honest answer for Florida policyholders is "it depends on the file" — and the file is your declarations page and Florida MVR. The carriers worth quoting on this right now are Progressive, Mercury, National General, Bristol West and the non-standard book. Each one weights driving record, vehicle, garaging ZIP and liability limits differently, which is why a single-carrier captive agent can't tell you whether you're priced fairly — they only see one ranking.

Florida re-shops every renewal. If the last time you compared was more than 12 months ago, the answer almost certainly changed: carriers entered or left the state, surplus lines moved, and driving record, vehicle, garaging ZIP and liability limits got re-weighted by the OIR filings. The fastest path is a 5-minute call where we read declarations page and Florida MVR together and tell you which carriers in today's market would write you cheaper — and which would decline.

Talk to ten agents about "Premium impact — typical 100–250% increase" and you'll get ten answers. Here's how we actually handle it on real Florida auto policy quotes. What actually drives the outcome is driving record, vehicle, garaging ZIP and liability limits. Two homes a block apart can get $2,000 apart in premium because one of those levers shifted, and the only way to know which lever is yours is to put real numbers in front of Progressive, Mercury, National General, Bristol West and the non-standard book.

What actually drives the outcome is driving record, vehicle, garaging ZIP and liability limits. Two homes a block apart can get $2,000 apart in premium because one of those levers shifted, and the only way to know which lever is yours is to put real numbers in front of Progressive, Mercury, National General, Bristol West and the non-standard book. Send us your current declarations page; we'll mark it up line by line and tell you whether the policy you have is still the right one for Lee, Charlotte and Collier counties.

Most of the confusion around "Carriers that write FR-44 in Florida" comes from advice written for other states. In the Florida auto market, the math is different. Florida re-shops every renewal. If the last time you compared was more than 12 months ago, the answer almost certainly changed: carriers entered or left the state, surplus lines moved, and driving record, vehicle, garaging ZIP and liability limits got re-weighted by the OIR filings.

Florida re-shops every renewal. If the last time you compared was more than 12 months ago, the answer almost certainly changed: carriers entered or left the state, surplus lines moved, and driving record, vehicle, garaging ZIP and liability limits got re-weighted by the OIR filings. The fastest path is a 5-minute call where we read declarations page and Florida MVR together and tell you which carriers in today's market would write you cheaper — and which would decline.

Clients usually raise "Reinstating your license and registration" after a non-renewal letter or a surprise premium jump. The fix is rarely the one the internet suggests. What actually drives the outcome is driving record, vehicle, garaging ZIP and liability limits. Two homes a block apart can get $2,000 apart in premium because one of those levers shifted, and the only way to know which lever is yours is to put real numbers in front of Progressive, Mercury, National General, Bristol West and the non-standard book.

What actually drives the outcome is driving record, vehicle, garaging ZIP and liability limits. Two homes a block apart can get $2,000 apart in premium because one of those levers shifted, and the only way to know which lever is yours is to put real numbers in front of Progressive, Mercury, National General, Bristol West and the non-standard book. If you want this specific question answered against your address and declarations page and Florida MVR, call (239) 542-1117 or request a quote and we'll come back the same business day.