How Much are Car Insurance Rates for Drivers with a DUI in Tampa?

The vehicle model on the policy is one of the main factors when quoting the best insurance for drivers with a DUI. Vehicles with average performance, a great safety record, or low incidents of liability claims will cost significantly less to insure than adrenaline junky models.

The table below illustrates car insurance prices for some of the more affordable automobiles to buy coverage for.

Data assumes single female driver age 50, two speeding tickets, no at-fault accidents, $1,000 deductibles, and Florida minimum liability limits. Discounts applied include multi-policy, claim-free, homeowner, and multi-vehicle. Information does not factor in the specific area where the vehicle is garaged which can impact auto insurance rates substantially.

Based upon the table data, you can assume that cars like the Ford Escape, Honda CR-V, Honda Accord, and Honda Civic are going to be some of the most budget-friendly vehicles to insure after getting a DUI. The cost of a car insurance policy will be higher anyway just due to the fact that there is more exposure for drivers with a DUI, but generally speaking those makes and models will have the cheapest rates available.

Deciphering which company offers the lowest-priced auto insurance rates for drivers with a DUI may require a tad more effort in order to find the lowest price quote. Each company uses a little different formula to set policy rates, so we need to take a look at the overall cheapest auto insurance companies in Florida.

Best Auto Insurance Prices after a DUI

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USAA may have some of the lowest car insurance rates in Tampa at around $986 annually. Amica, Electric, Progressive, and Allied would also make the list of some of the lowest-priced Tampa, FL insurance companies.

In the rate table above, if you are a customer of Progressive and switched to Amica, you could realize an annual premium reduction of about $135. Customers with Allied might save as much as $232 a year, and Travelers policyholders might lower prices by up to $232 a year.

It’s important to note that these prices are averaged for all drivers and vehicles and are not factoring in a specific zip code for drivers with a DUI. So the auto insurance company that has the cheapest rates for you may not even be in the top 21 companies in the list above. That emphasizes why you need to get rate quotes from many companies using your own individual information.

The example below illustrates how your deductible choice can raise or lower insurance premiums when getting quotes for cheap insurance for drivers with a DUI. The rate quotes are based on a married male driver, comp and collision included, and no additional discounts are factored in.

A 50-year-old driver could lower their policy premium by $348 a year by increasing from a $100 deductible up to a $500 deductible, or save $524 by changing to a $1,000 deductible. Youthful drivers, like the 20-year-old, could potentially save up to $1,162 or even more by selecting a higher deductible.

When insureds make the decision to increase the deductibles on their policy, it is necessary to have spare funds to cover the extra out-of-pocket expense. That is the one disadvantage of using higher deductibles.

Auto insurance rates are higher with tickets and accidents

In a perfect world, the ideal way to find the most affordable auto insurance rates in Tampa after getting a DUI is to be a careful driver and avoid traffic citations and accidents. The diagram below demonstrates how traffic citations and accident claims can impact annual premium costs for different age groups. The rate quotes are based on a married male driver, full physical damage coverage, $1,000 deductibles, and no additional discounts are factored in.

In the previous chart, the average cost of auto insurance per year with no accidents and a clean driving record is $1,976. Add in two speeding tickets and the average cost rises to $2,715, an increase of $739 each year. Then add in one accident along with the two speeding tickets and the 12-month cost of auto insurance for drivers with a DUI jumps again to an average of $3,481. That’s an increase of $1,505, or $125 per month, just for not paying attention while driving!

Picking a good quality insurer is hard considering how many different companies insure vehicles in Tampa. The rank data listed below could help you decide which companies to look at when comparing insurance rates for drivers with a DUI. These ratings are only comprised of major nationwide insurance companies, so companies that only write business in Florida or surrounding areas are not factored into the list.

Top 10 Major Auto Insurance Providers Overall in Tampa

1. Travelers
2. USAA
3. Mercury Insurance
4. AAA Insurance
5. Nationwide
6. Allstate
7. State Farm
8. The Hartford
9. Safeco Insurance
10. Progressive

Top 10 Major Auto Insurance Providers in Tampa Ranked by Customer Service

1. USAA
2. Travelers
3. Mercury Insurance
4. AAA Insurance
5. Nationwide
6. Safeco Insurance
7. Progressive
8. State Farm
9. The Hartford
10. The General

How to find cheaper insurance for drivers with a DUI

Below you’ll find a few money-saving ideas that can help Tampa drivers quote lower-cost coverage.

• Get cheaper liability coverage by choosing a safer vehicle
• Better credit rating means better rates
• Save money by only buying liability coverage for older vehicles
• Do not get tickets
• Increase physical damage deductibles
• Avoid accidents and claims
• Shop around for lower rates once a year

That last piece of advice is highly necessary, as was affirmed in the article above. Prices charged by companies can change considerably in a year, so don’t be unwilling to switch carriers if a better deal can be had. Many drivers tend to have loyalty to a certain company, but it’s not recommended if your bullheadedness ends up costing you major coinage every year. Now is a great time to compare rates to find cheaper auto insurance for drivers with a DUI in Tampa.