State Requirements
Florida requires minimum liability coverage of $10,000 bodily injury per person, $20,000 per accident, and $10,000 property damage (10/20/10). Drivers convicted of DUI must file FR-44, which raises minimum liability to 100/300/50 and remains in effect for three years from reinstatement. SR-22 filing applies to suspensions for other serious violations including driving without insurance, accumulating excessive points, or causing an uninsured accident. Florida is a no-fault state, meaning all drivers must also carry $10,000 personal injury protection (PIP) regardless of risk profile.
Cost Overview
High-risk auto insurance in Florida costs significantly more than standard coverage due to the state's high uninsured driver rate, frequent severe weather claims, and elevated premiums for FR-44/SR-22 filings. DUI drivers filing FR-44 face the highest rates because the filing mandates liability limits five to ten times the state minimum. Rates decrease over time as violations age off your record—most surcharges drop substantially after three years and are fully removed after five to seven years depending on severity.
What Affects Your Rate
- FR-44 vs. SR-22: FR-44 filers pay 40–80% more due to mandated higher limits and DUI surcharges
- Violation type: DUI adds $1,200–$3,000 annually; at-fault accidents add $800–$1,800; speeding tickets add $300–$900
- Time since violation: Surcharges decrease by approximately 20–30% each year after the first year
- Zip code: Miami-Dade, Broward, and Hillsborough counties have the highest rates due to claim frequency and uninsured driver concentration
- Continuous coverage: A lapse in the past 6 months increases rates by 15–40% even if you now have SR-22/FR-44
- Carrier type: Non-standard carriers typically charge 10–25% more than standard carriers willing to write high-risk policies
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Compare carriers that offer non-owner policies with SR-22 filing — required for reinstatement in most states.
Get Your Free QuoteCoverage Types
FR-44 Insurance
Florida's DUI-specific financial responsibility filing requiring $100,000/$300,000/$50,000 liability limits—significantly higher than standard minimums. Your insurer files FR-44 electronically with DHSMV and monitors compliance for three years from reinstatement.
SR-22 Insurance
Certificate of financial responsibility filed by your insurer with the state after license suspension for violations other than DUI. Verifies you carry Florida's minimum 10/20/10 liability for three continuous years.
Non-Standard Auto Insurance
Coverage from carriers specializing in high-risk drivers who have been declined by standard insurers. Typically offers the same liability, PIP, and optional coverages but at higher premiums reflecting increased risk.
Liability Insurance
Covers bodily injury and property damage you cause to others. Required by law and the foundation of both SR-22 and FR-44 filings. Florida's 10/20/10 minimums are often exceeded by actual accident costs.
Uninsured Motorist Coverage
Protects you when hit by a driver with no insurance or insufficient coverage. Not required in Florida but covers medical bills, lost wages, and vehicle damage that the at-fault driver cannot pay.
Personal Injury Protection (PIP)
Mandatory no-fault coverage that pays 80% of medical bills and 60% of lost wages up to $10,000 after any accident, regardless of who caused it. Required for all Florida drivers.
