Minimum Coverage Requirements in Florida
Florida sets minimum liability coverage at 10/20/10 for bodily injury and property damage under Personal Injury Protection (PIP) laws. However, drivers convicted of DUI, those involved in at-fault accidents without insurance, or facing license suspension for serious violations typically must file FR-44—a higher-tier certificate requiring double the minimum liability limits (100/300/50). These requirements are enforced by the Florida Department of Highway Safety and Motor Vehicles (DHSMV), which monitors continuous coverage throughout the filing period.
How Much Does Car Insurance Cost in Florida?
High-risk auto insurance premiums in Florida are driven by violation type, prior insurance history, and the FR-44 filing requirement. Drivers with DUI convictions typically pay $250–$450/mo for minimum FR-44 coverage, while those with at-fault accidents or suspensions without DUI may see rates of $180–$320/mo. Florida's high proportion of uninsured drivers and no-fault PIP system further elevate premiums for high-risk profiles compared to other states.
What Affects Your Rate
- Violation type: DUI convictions carry the highest surcharges, typically 200–350% above standard rates for 3–5 years
- FR-44 filing requirement: Adds $15–$25 filing cost plus forces higher liability limits, increasing base premiums by 40–80%
- Prior insurance lapse: Drivers who let coverage lapse before or during FR-44 face an additional 20–50% surcharge on reinstatement
- Location: Miami-Dade, Broward, and Hillsborough counties have the highest high-risk rates due to dense traffic and uninsured driver rates above 25%
- Credit and payment history: Non-standard carriers in Florida often require full 6-month payment upfront or charge 15–25% more for monthly installments
- Time since violation: Rates typically drop 10–20% after the first year, 20–35% after two years, and return near standard levels after 3–5 years if no new violations occur
See how much your violation actually affects your rates
Not every carrier surcharges the same way. Compare quotes from carriers that rate violations differently.
Get Your Free QuoteCoverage Types
FR-44 Insurance
Certificate filed by your insurer with DHSMV proving you carry 100/300/50 liability limits. Required for DUI offenders and certain suspended drivers for 3 continuous years.
Non-Standard Auto Insurance
Policies from carriers specializing in high-risk drivers, often with 6-month terms and flexible payment plans. Only option for most drivers immediately after DUI or suspension.
Liability Insurance (100/300/50)
Covers bodily injury and property damage you cause to others. FR-44 drivers must carry 100/300/50 limits—non-negotiable for the entire filing period.
Personal Injury Protection (PIP)
No-fault coverage paying up to $10,000 for medical and lost wages after any accident. Required for all Florida drivers including those with FR-44.
Full Coverage (Collision + Comprehensive)
Protects your vehicle from accident damage, theft, weather, and vandalism. Required by lenders and recommended for vehicles worth over $5,000.
Uninsured Motorist Coverage
Pays for your injuries if you're hit by a driver without insurance. Optional in Florida but recommended given 20%+ uninsured driver rates in metro areas.
