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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Get Your Free QuoteCoverage Types
Non-Standard Auto Insurance
Coverage from carriers specializing in high-risk drivers who have violations, suspensions, DUIs, or lapses. These insurers file the SR-22 or FR-44 certificates required for license reinstatement in Florida.
High-Risk Auto Insurance
Policies designed for drivers classified as high-risk due to serious violations, multiple accidents, or license suspensions. Rates are significantly higher than standard market but provide the liability coverage and state filings needed for reinstatement.
SR-22 Insurance
Liability coverage with SR-22 certificate filing for non-DUI violations in Florida. Proves to FLHSMV that you carry at least 10/20/10 liability coverage continuously during the required period.
Liability Insurance
Bodily injury and property damage coverage that pays for injuries and damage you cause to others. Required as part of SR-22 and FR-44 filings even though Florida does not mandate it for all drivers.
FR-44 Insurance (DUI)
High-limit liability coverage (100/300/50 minimum) with FR-44 certificate filing required for DUI convictions in Florida. More expensive than SR-22 because the coverage minimums are significantly higher.
Comprehensive & Collision Coverage
Physical damage coverage for your own vehicle. Not required by Florida for SR-22 or FR-44 filing, but lenders require it if you have an active loan or lease.
