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.
How Much Does Car Insurance Cost in Florida?
High-risk auto insurance rates in Florida vary dramatically based on violation type, point accumulation, and time since the offense. DUI offenders with FR-44 requirements typically pay $280–$450/mo, while drivers with 6–11 points but no DUI pay $180–$320/mo. Miami-Dade, Broward, and Palm Beach counties show 15–25% higher rates than the state average due to elevated claim frequency and uninsured driver rates.
What Affects Your Rate
- Violation type: DUI adds $180–$250/mo vs. clean record; at-fault accidents add $90–$140/mo; 6–11 points without DUI add $60–$100/mo
- Time since violation: rates typically drop 15–20% after the first year with no new incidents, and 30–40% once FR-44 filing ends after 3 years
- County location: Miami-Dade and Broward rates run 20–30% higher than rural counties like Levy or Dixie due to claim density
- Prior insurance lapse: a coverage gap of 30+ days during FR-44 period can add $40–$80/mo even after reinstatement
- Vehicle type: high-performance or luxury vehicles can increase high-risk premiums by 25–45% in non-standard markets
- Credit tier: Florida allows credit-based insurance scoring, and poor credit combined with violations can double baseline high-risk rates
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
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.
