What does a DUI do to my insurance?

Two separate effects, and the second is the one people don't anticipate.

The first is rate. Insurers treat a DUI conviction as a major risk event, and increases are typically large and sustained for a period of years. Some carriers decline to renew entirely.

The second is the reinstatement requirement. Getting a license back after a DUI requires proof of insurance through a specific filing that Florida mandates for DUI reinstatements, carried for a period of years. That coverage costs more than standard coverage, and lapsing it during the required period triggers another suspension.

Over the full period, the insurance cost commonly exceeds the fine, the court costs, and DUI school combined. It's the largest financial consequence of a DUI for most people, and it's rarely the one they ask about.

Worth pricing before deciding how to resolve a case, since the resolution affects it.