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
Compare rates from carriers that work with drivers who have points
Standard carriers surcharge heavily after violations. These specialists price your specific record differently.
Get Your Free QuoteCoverage 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.
