Updated March 2026
State Requirements
Florida mandates minimum liability coverage of $10,000 bodily injury per person, $20,000 per accident, and $10,000 property damage (10/20/10), plus $10,000 personal injury protection (PIP) regardless of fault. Drivers with DUI convictions must carry FR-44 certification showing $100,000/$300,000 bodily injury limits and $50,000 property damage — double the standard minimums. SR-22 filing applies to license suspensions for uninsured accidents, repeat violations, or driving without insurance. High-risk drivers often need non-standard carriers, as many standard insurers will not write policies for active FR-44 or SR-22 requirements.
Florida requires 10/20/10 liability for standard drivers, but FR-44 filers must carry 100/300/50 limits. DUI convictions, uninsured accidents, and repeat violations trigger higher mandatory limits through FR-44 certification. High-risk drivers face rate increases of 180–240% after a DUI and 60–120% after an at-fault accident with injury. Minimum limits expose you to out-of-pocket liability in serious crashes — many high-risk drivers carry 100/300/100 or higher to protect assets during the three-year filing period.
SR-22 is a certificate filed by your insurer with the Florida DHSMV proving you carry continuous coverage. Required after license suspension for uninsured accidents, accumulating points, or driving without insurance — but not for DUI, which requires the stricter FR-44. Filing costs $15–$25 and lasts three years from the reinstatement date. Any lapse triggers immediate license suspension and restarts the three-year clock, so continuous coverage with an SR-22-approved carrier is mandatory throughout the filing period.
FR-44 is Florida's high-risk certification for DUI and repeat DUI offenders, requiring double the standard liability limits. Your insurer must file FR-44 with the DHSMV before license reinstatement, and you must maintain these elevated limits for three consecutive years. Premiums for FR-44 coverage average $3,200–$5,800 annually due to both the higher limits and the DUI surcharge. Dropping coverage or reducing limits below FR-44 requirements triggers automatic license revocation and extends the filing period.
Florida requires $10,000 PIP on all policies to cover your medical expenses and lost wages regardless of fault. High-risk drivers pay elevated PIP premiums — typically $80–$180 monthly depending on county and violation history. Miami-Dade, Broward, and Palm Beach counties have the highest PIP rates due to fraud history and claims volume, adding $400–$800 annually to total policy cost for drivers with FR-44 or SR-22 requirements.
Florida does not mandate uninsured motorist (UM) coverage, but approximately 20% of Florida drivers carry no insurance — one of the highest uninsured rates in the Southeast. If an uninsured driver hits you during your SR-22 or FR-44 filing period, UM coverage protects you from out-of-pocket medical and repair costs. High-risk drivers pay $15–$35 monthly for 100/300 UM limits, a worthwhile addition given the elevated risk of dealing with uninsured motorists in high-density areas like Tampa and Orlando.
Cost Overview
High-risk drivers in Florida pay $2,800–$5,800 annually depending on violation type, filing requirement, and county. DUI offenders with FR-44 face the steepest increases — 180–240% over standard rates — while SR-22 filers with non-DUI suspensions see 60–120% surcharges. Rates vary significantly by carrier, as non-standard insurers specialize in high-risk profiles and price violations differently than standard carriers who often decline coverage entirely.
State minimum 10/20/10 liability plus PIP and SR-22 filing for non-DUI suspensions. Covers drivers with uninsured accidents, point suspensions, or lapses. Rates assume clean record otherwise and mid-tier county risk.
FR-44 minimum 100/300/50 liability plus PIP for DUI offenders. Reflects DUI surcharge and elevated limits. Varies by whether first or repeat offense and county of residence.
FR-44 limits plus collision, comprehensive, and uninsured motorist for financed vehicles or asset protection. Highest cost tier but necessary for drivers with loans or valuable vehicles during the three-year filing period.
- Violation type: DUI/FR-44 results in 180–240% rate increase; at-fault accidents 60–90%; SR-22 suspension 40–80%
- County of residence: Miami-Dade, Broward, and Hillsborough average 25–40% higher premiums than rural counties due to claim frequency
- Time since violation: rates decrease 15–25% at the 3-year mark when SR-22/FR-44 drops off, then further at 5 years
- Number of violations: second DUI within 5 years can increase premiums 300–400% over standard rates
- Age and gender: male drivers under 25 with DUI pay $5,500–$8,200 annually; female drivers 25+ with clean record otherwise pay 20–30% less
- Credit tier: Florida allows credit-based insurance scoring; poor credit adds 30–60% to high-risk base rates
Estimates based on available industry data for high-risk driver profiles and may not reflect current market conditions. Individual rates vary based on violation type, driving history, vehicle, and other factors.
What Affects Your Rate
- Violation type: DUI/FR-44 results in 180–240% rate increase; at-fault accidents 60–90%; SR-22 suspension 40–80%
- County of residence: Miami-Dade, Broward, and Hillsborough average 25–40% higher premiums than rural counties due to claim frequency
- Time since violation: rates decrease 15–25% at the 3-year mark when SR-22/FR-44 drops off, then further at 5 years
- Number of violations: second DUI within 5 years can increase premiums 300–400% over standard rates
- Age and gender: male drivers under 25 with DUI pay $5,500–$8,200 annually; female drivers 25+ with clean record otherwise pay 20–30% less
- Credit tier: Florida allows credit-based insurance scoring; poor credit adds 30–60% to high-risk base rates
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Coverage Options
Certificate proving continuous coverage after license suspension for non-DUI offenses. Required for uninsured accidents, point accumulation, and driving without insurance.
Florida's DUI-specific filing requiring double the standard liability limits (100/300/50). Mandatory for all DUI convictions and some repeat DUI offenses.
Covers injury and property damage you cause to others. Standard Florida minimum is 10/20/10; FR-44 requires 100/300/50.
Protects you when hit by a driver with no insurance. Optional in Florida but critical given high uninsured driver rates in urban counties.
Specialized coverage for drivers with DUIs, suspensions, lapses, or violations who cannot get standard carrier policies. Focuses on SR-22 and FR-44 filing capabilities.
Mandatory $10,000 no-fault coverage for medical expenses and lost wages. Required on all Florida policies regardless of driver history.
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Frequently Asked Questions
Sources
- Florida Department of Highway Safety and Motor Vehicles (FLHSMV) - SR-22 and FR-44 Requirements
- Florida Statutes Title XXIII, Chapter 324 - Financial Responsibility Requirements
- Florida Office of Insurance Regulation - Minimum Coverage Requirements