Updated April 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.
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
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Sources
- Florida Department of Highway Safety and Motor Vehicles (FLHSMV) - FR-44 Requirements and Reinstatement Procedures
- Florida Statutes Title XXIII, Chapter 324 - Financial Responsibility and Insurance Requirements
- Florida Office of Insurance Regulation - Auto Insurance Market Data