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Florida FR-44 & High-Risk Auto Insurance

Florida requires FR-44 filing (not SR-22) for DUI convictions and certain license suspensions. Filing lasts 3 years and costs $15–$25, but high-risk premiums average $3,200–$6,500 annually depending on violation type. FR-44 requires double the state's minimum liability limits.

Liability Coverage — insurance-related stock photo

Updated March 2026

State Requirements

Florida requires minimum liability coverage of $10,000 per person and $20,000 per accident for bodily injury, plus $10,000 for property damage. Drivers convicted of DUI, caught driving without insurance, or facing certain suspensions must file FR-44 (not SR-22) proving coverage at double these minimums: $100,000/$300,000/$50,000. Personal injury protection (PIP) of $10,000 is also mandatory for all Florida drivers regardless of risk profile.

Cost Overview

High-risk auto insurance in Florida costs significantly more than standard coverage due to DUI convictions, violations, and FR-44 filing requirements. Drivers with a DUI pay an average of $3,800–$6,500 annually, while those with multiple violations or at-fault accidents typically see premiums of $2,800–$5,200. Florida's high uninsured driver rate and no-fault PIP system also contribute to elevated baseline costs.

Minimum FR-44 Coverage
Meets FR-44 requirements with $100,000/$300,000/$50,000 liability and mandatory $10,000 PIP. No collision or comprehensive. Best for older vehicles with low value, but leaves you paying out of pocket for damage to your own car.
Standard High-Risk Coverage
FR-44 liability plus collision and comprehensive with $500–$1,000 deductible. Covers damage to your vehicle from accidents, theft, or weather. Recommended if you're financing or leasing, or if your car is worth more than $5,000.
Full High-Risk Coverage
FR-44 limits increased to $250,000/$500,000, uninsured motorist coverage, lower deductibles, and optional rental reimbursement. Offers the strongest protection against Florida's high uninsured driver rate and protects assets if you cause a serious accident.

What Affects Your Rate

  • DUI or DWI conviction (typically increases premiums 80–250% for 3–5 years)
  • FR-44 filing requirement (doubles minimum liability limits, raising premium base)
  • Multiple at-fault accidents or violations within 3 years
  • License suspension or revocation history
  • Coverage lapse or prior insurance cancellation
  • Miami-Dade, Broward, and Palm Beach counties have Florida's highest rates due to elevated accident and uninsured driver rates

Compare Auto Insurance Rates in Florida

Coverage Options

Find Your City in Florida

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Jacksonville

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Miami

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Tampa

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Orlando

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St. Petersburg

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Hialeah

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Port St. Lucie

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Tallahassee

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Cape Coral

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Fort Lauderdale

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Pembroke Pines

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Clearwater

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Frequently Asked Questions

Sources

  • Florida Department of Highway Safety and Motor Vehicles (FLHSMV) - FR-44 Requirements
  • Florida Statutes Chapter 324 - Financial Responsibility Law
  • Florida Office of Insurance Regulation - High-Risk Auto Insurance Data

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