Updated April 2026
Minimum Coverage Requirements in Florida
Florida requires minimum liability coverage of 10/20/10 for bodily injury and property damage, plus $10,000 in personal injury protection (PIP). Drivers with DUI convictions must file FR-44, which mandates higher liability limits of 100/300/50, while certain license suspensions and uninsured accidents trigger standard SR-22 filing. These certificate requirements typically last 3 years and any coverage lapse restarts the filing period.
How Much Does Car Insurance Cost in Florida?
High-risk insurance in Florida costs significantly more than standard rates due to FR-44 requirements, non-standard carrier surcharges, and elevated limits. A DUI in Florida typically increases premiums 80–150% for three years, while multiple at-fault accidents or a lapsed SR-22 can push drivers into assigned risk pools where rates exceed $400/mo.
What Affects Your Rate
- Violation type: DUI requires FR-44 with higher limits and adds 80–150% to premiums; suspensions requiring SR-22 add 50–100%
- Years since violation: Rates drop 20–30% at the 3-year mark when SR-22 or FR-44 filing ends, and another 15–25% when the violation ages off at 5–7 years
- County and ZIP code: Miami-Dade, Broward, and Palm Beach counties average 15–25% higher than rural areas due to fraud rates and litigation frequency
- Coverage level: Adding comprehensive and collision to an FR-44 policy increases monthly cost $80–$150 depending on vehicle value
- Prior insurance lapse: Gaps of 30+ days add 20–40% to non-standard quotes; gaps during SR-22 or FR-44 period restart the 3-year clock
- Payment plan: Non-standard carriers charge 10–15% more for monthly EFT versus paid-in-full six-month terms
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Sources
- Florida Department of Highway Safety and Motor Vehicles
- Florida Statutes Chapter 324 - Financial Responsibility Law
- Florida Office of Insurance Regulation