Florida SR-22 & FR-44 Insurance for High-Risk Drivers
Florida requires $10,000 in property damage liability and personal injury protection (PIP) and is a no-fault state.
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Florida 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
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.
Liability Insurance
Personal Injury Protection (PIP)
Full Coverage
Uninsured Motorist Coverage
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
Put Your Record Up Against Every Rate
Compare Rates for Your Driving RecordCoverage Types
SR-22 Insurance
SR-22 is a certificate filed by your insurer proving you carry at least state minimum liability coverage. The filing itself costs $15–$35, but the violation that triggered it increases premiums 50–100% for three years.
Non-Standard Auto Insurance
Non-standard carriers insure drivers standard companies decline due to DUI, SR-22/FR-44, multiple violations, or lapses. Premiums run 60–150% higher but provide the only market access for high-risk profiles.
Full Coverage
Full coverage combines liability, PIP, comprehensive, and collision. High-risk drivers with financed vehicles must maintain full coverage despite premiums 80–150% higher than clean-record drivers.
Liability Insurance
Liability coverage pays for injuries and property damage you cause to others. Florida requires 10/20/10 minimums, but FR-44 filers must carry 100/300/50.
Uninsured Motorist Coverage
UM/UIM coverage protects you when hit by a driver with no insurance or insufficient limits. Florida does not require it, but approximately 20% of drivers operate uninsured.
Personal Injury Protection (PIP)
PIP covers your medical expenses and lost wages up to $10,000 regardless of fault. Florida requires all drivers to carry PIP as a no-fault state.