Florida FR-44 & High-Risk Auto Insurance After DUI
Florida requires $10,000 in property damage liability and personal injury protection (PIP) and is a no-fault state.
Compare Rates After a ViolationFlorida at a Glance
$10,000
Minimum property damage liability
No-fault
Each driver's own policy pays their injuries first, whoever caused the crash
Required
PIP coverage must be on every policy
Yes
A defensive driving course can reduce points on your record
Source: state DMV, insurance department and statute records, verified July 2026
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.
FR-44 Liability Insurance
Personal Injury Protection (PIP)
Bodily Injury Liability
Property Damage Liability
Non-Standard Auto Insurance
What Drivers Pay in Florida
$351–$437/mo
Typical monthly rate in Florida, drivers after a speeding ticket
Rate data: ValuePenguin and CarInsurance.com, 2026
Shop Again Before Your Next Renewal Hits
Compare Rates After a ViolationCoverage 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.