Updated April 2026
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
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Sources
- Florida Department of Highway Safety and Motor Vehicles (FLHSMV) — FR-44 requirements and reinstatement procedures
- Florida Statutes Section 324 — Financial Responsibility Law and FR-44 filing requirements
- Florida Office of Insurance Regulation — High-risk auto insurance carrier oversight and rate filings