Minimum Coverage Requirements in Florida
Florida mandates minimum liability coverage of $10,000 bodily injury per person, $20,000 per accident, and $10,000 property damage (10/20/10) for standard drivers. For DUI convictions and certain major violations, Florida requires FR-44 certification—a higher-tier financial responsibility filing with elevated minimums of $100,000 bodily injury per person, $300,000 per accident, and $50,000 property damage (100/300/50). The Florida Department of Highway Safety and Motor Vehicles (DHSMV) monitors FR-44 compliance and will suspend your license if coverage lapses during the required filing period.
How Much Does Car Insurance Cost in Florida?
High-risk premiums in Florida are driven by violation type, FR-44 filing requirements, and carrier availability. DUI convictions with FR-44 filing typically increase premiums by 150–300% over standard rates, with the elevated 100/300/50 minimums adding $1,200–$2,400 annually compared to standard 10/20/10 coverage. Rates decrease gradually as the violation ages, with most drivers seeing 15–25% annual reductions after the first year if no additional incidents occur.
What Affects Your Rate
- Type of violation: DUI convictions elevate rates 150–300%, while at-fault accidents increase premiums 40–80%
- FR-44 filing status: Elevated 100/300/50 minimums cost $100–$200/mo more than standard 10/20/10 coverage
- Time since violation: Rates typically decrease 15–25% annually after the first year with no new incidents
- County and ZIP code: Miami-Dade, Broward, and Hillsborough counties average 20–35% higher premiums due to accident frequency and uninsured driver rates
- Non-standard carrier selection: Florida non-standard carriers vary by $50–$150/mo for identical coverage and violation profiles
- Prior insurance lapse: Coverage gaps during FR-44 period restart the 3-year clock and add 10–20% to reinstatement premiums
See how much your violation actually affects your rates
Not every carrier surcharges the same way. Compare quotes from carriers that rate violations differently.
Get Your Free QuoteCoverage Types
FR-44 Insurance
Florida's high-risk financial responsibility filing requiring 100/300/50 liability minimums. Your carrier files electronically with the DHSMV and must maintain continuous certification for 3 years.
Non-Standard Auto Insurance
Policies designed for drivers with DUI convictions, multiple violations, or lapses. Non-standard carriers file FR-44 and offer flexible payment plans for high-risk profiles.
Full Coverage
Liability, collision, comprehensive, and PIP bundled. Protects your vehicle and satisfies lender requirements if financing a car during FR-44 filing period.
Liability Insurance
Covers bodily injury and property damage you cause to others. FR-44 filers must carry 100/300/50, ten times the standard Florida 10/20/10 minimum for bodily injury.
Uninsured Motorist Coverage
Pays your medical bills and vehicle damage when hit by a driver without insurance. Optional in Florida but valuable in high-uninsured-driver counties.
Personal Injury Protection (PIP)
Florida's mandatory no-fault coverage paying 80% of medical expenses and 60% of lost wages after any accident, regardless of fault. Required for all drivers.
