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.
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.
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
Get non-owner SR-22 coverage without owning a vehicle
Compare carriers that offer non-owner policies with SR-22 filing — required for reinstatement in most states.
Get Your Free QuoteCoverage Types
SR-22 Insurance
Certificate proving continuous coverage after license suspension for non-DUI offenses. Required for uninsured accidents, point accumulation, and driving without insurance.
FR-44 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.
Liability Insurance
Covers injury and property damage you cause to others. Standard Florida minimum is 10/20/10; FR-44 requires 100/300/50.
Uninsured Motorist Coverage
Protects you when hit by a driver with no insurance. Optional in Florida but critical given high uninsured driver rates in urban counties.
Non-Standard Auto Insurance
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.
Personal Injury Protection (PIP)
Mandatory $10,000 no-fault coverage for medical expenses and lost wages. Required on all Florida policies regardless of driver history.
