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 SR-22 Coverage NowFlorida 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
$45
State license reinstatement fee
Source: state DMV, insurance department and statute records, verified July 2026
State Requirements
Bodily Injury Liability
Property Damage Liability
Personal Injury Protection (PIP)
FR-44 Insurance
Uninsured Motorist Coverage
Cost Overview
$466–$521/mo
Typical monthly rate in Florida, drivers with an SR-22 after a DUI
Rate data: ValuePenguin and NerdWallet, 2026
What Affects Your Rate
- 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
See What Your SR-22 Should Really Cost
Find SR-22 Coverage NowIf your license is suspended
Hardship license (Business Purposes Only or Employment Purposes Only)
A restricted license is available while suspended.
A coverage lapse is reported
The state can act when your insurance lapses.
Source: state DMV, insurance department and statute records, verified July 2026
Frequently Asked Questions
How long do I need FR-44 in Florida after a DUI?
Florida requires FR-44 filing for 3 years from your license reinstatement date after a DUI conviction. If your policy lapses at any point during those 3 years, your license is suspended immediately and the 3-year period restarts from your new reinstatement date. You must maintain continuous FR-44 coverage without any gaps.
Which insurance companies offer FR-44 in Florida?
Non-standard carriers specializing in high-risk drivers offer FR-44 policies in Florida, including Progressive, GEICO (through their non-standard division), and regional carriers writing high-risk business. Many standard carriers like State Farm or Allstate will not write FR-44 policies. Expect to compare 3–5 quotes, as rates vary significantly by carrier and violation type.
How long does a DUI affect insurance rates in Florida?
A DUI typically raises your insurance rates for 3–5 years in Florida, though it remains on your driving record for 75 years. Most insurers surcharge premiums heavily for the first 3 years (the FR-44 filing period), then gradually reduce rates. After 5 years with no additional violations, some high-risk drivers can transition back to standard carriers and see rates approach pre-DUI levels.
Coverage 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.