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.
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
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Get Your Free QuoteCoverage Types
FR-44 Insurance
Certificate filed by your insurer proving you carry liability coverage at double Florida's standard minimums: $100,000/$300,000/$50,000. Required for DUI convictions and certain suspensions. Filing lasts 3 years.
Bodily Injury Liability
Covers injuries you cause to others. Standard Florida minimum is $10,000/$20,000, but FR-44 requires $100,000/$300,000. A serious accident can exceed minimums quickly, leaving you personally liable.
Personal Injury Protection (PIP)
Mandatory $10,000 coverage paying 80% of your medical bills and 60% of lost wages after an accident, regardless of fault. Florida's no-fault system requires this for all drivers.
Uninsured Motorist Coverage
Pays for your injuries if an uninsured or underinsured driver hits you and damages exceed your PIP limit. Optional in Florida but highly recommended given the state's 20% uninsured driver rate.
Collision Coverage
Covers damage to your vehicle after an at-fault accident or collision with an object. Not required by law, but mandatory if you finance or lease your vehicle.
Comprehensive Coverage
Covers non-collision damage: theft, vandalism, weather, flooding, and animal strikes. Florida's hurricane exposure makes this particularly valuable for protecting your vehicle investment.
