Florida FR-44 & High-Risk Auto Insurance
Florida requires $10,000 in property damage liability and personal injury protection (PIP) and is a no-fault state.
Find Carriers That Accept PointsFlorida 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
Florida requires minimum liability coverage of 10/20/10 for standard drivers, but drivers with DUI convictions or serious violations must carry FR-44 insurance with elevated minimums of 100/300/50. The Florida Department of Highway Safety and Motor Vehicles (FLHSMV) mandates FR-44 filing for 3 years following qualifying offenses. Florida also operates a point system where accumulating 12 points within 12 months triggers a 30-day suspension, 18 points in 18 months results in a 3-month suspension, and 24 points in 36 months leads to a 1-year suspension.
Bodily Injury Liability
Property Damage Liability
Personal Injury Protection (PIP)
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
What Affects Your Rate
- Credit tier: Florida allows credit-based insurance scoring, and poor credit combined with violations can double baseline high-risk rates
Stop Overpaying While Your Points Fade
Find Carriers That Accept PointsCoverage Types
Liability Insurance
Covers bodily injury and property damage you cause to others in an accident. Standard Florida minimum is 10/20/10, but FR-44 drivers must carry 100/300/50.
Full Coverage
Combines required liability and PIP with comprehensive and collision coverage for your own vehicle. Protects you financially if you cause another accident or your car is damaged or stolen.
Non-Standard Auto Insurance
Policies designed for drivers with DUIs, suspensions, multiple violations, or point totals between 6–18. These carriers file FR-44 directly and specialize in high-risk profiles standard insurers decline.
Uninsured Motorist Coverage
Pays for your injuries and vehicle damage when an at-fault driver has no insurance or insufficient coverage. Optional in Florida but highly recommended given the state's uninsured driver rate.
SR-22 Insurance
Florida does not use SR-22 certificates. Drivers requiring proof of financial responsibility must file FR-44 instead, which requires higher liability limits than the SR-22 standard used in most states.