Updated April 2026
Minimum Coverage Requirements in Florida
When you receive a DUI, license suspension, or serious traffic violation in Florida, your current insurance carrier will typically non-renew your policy at the next renewal date — they usually do not cancel immediately, which gives you time to find replacement coverage. Florida law requires you to carry specific minimum liability coverage and file proof of that coverage with the Florida Department of Highway Safety and Motor Vehicles (FLHSMV). The type of filing depends on your offense: DUI convictions trigger FR-44 requirements with higher minimums, while most other violations require SR-22 filing.
How Much Does Car Insurance Cost in Florida?
High-risk insurance premiums in Florida depend heavily on violation type, age, driving history, and location. DUI convictions typically increase rates by 150–300%, while license suspensions from points or at-fault uninsured accidents increase rates by 50–150%. Senior drivers over 65 may see slightly lower rate increases than younger drivers, but the violation itself is the dominant factor. Rates begin to decrease after 3–5 years if no new violations occur.
What Affects Your Rate
- Violation type: DUI increases rates significantly more than a suspension from points
- Filing type: FR-44 policies cost more than SR-22 because the required liability limits are higher
- Age and driving history: senior drivers with otherwise clean records prior to the violation may qualify for lower high-risk rates than younger drivers with multiple violations
- Location: Miami-Dade, Broward, and Palm Beach counties have the highest violation driver rates in Florida due to population density and claim frequency
- Vehicle: newer vehicles requiring comprehensive and collision coverage add substantial cost to an already-elevated premium
- Credit-based insurance score: Florida allows insurers to use credit in pricing, and a violation combined with credit issues compounds the rate increase
- Carrier availability: only about 20–30% of carriers writing in Florida offer SR-22 or FR-44 filing, reducing competition and raising prices
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Sources
- Florida Department of Highway Safety and Motor Vehicles (FLHSMV) — Driver License Reinstatement Requirements
- Florida Statutes Title XXIII, Chapter 324 — Financial Responsibility and SR-22/FR-44 Requirements
- Florida Office of Insurance Regulation — High-Risk Auto Insurance Market Data