Updated April 2026
Minimum Coverage Requirements in Florida
Florida requires 10/20/10 liability minimums—$10,000 bodily injury per person, $20,000 per accident, and $10,000 property damage—plus $10,000 personal injury protection (PIP). Drivers with DUI convictions, license suspensions for refusal to submit to testing, or repeat offenses must file FR-44 certificates (not SR-22) with 100/300/50 higher minimums for 3 years. Most drivers with speeding tickets or at-fault accidents do not need FR-44 filing, but will see rate increases based on Florida's point system, which suspends licenses at 12 points in 12 months or 18 points in 18 months.
How Much Does Car Insurance Cost in Florida?
High-risk auto insurance rates in Florida are driven by violation type, points on your license, driver age, ZIP code, and whether FR-44 filing is required. Drivers with a single speeding ticket or at-fault accident typically see rate increases of 20%–50%, while DUI convictions or FR-44 requirements can double or triple premiums. South Florida metro areas (Miami, Fort Lauderdale, Tampa) carry higher base rates due to congestion, uninsured driver rates, and accident frequency.
What Affects Your Rate
- Violation type: DUI convictions increase rates 80%–150%, while speeding tickets increase rates 20%–40%
- Points on license: Florida assesses 3 points for most speeding violations, 4 points for reckless driving, and 6 points for leaving the scene of an accident
- FR-44 filing requirement: mandates 100/300/50 minimums and typically doubles premiums compared to standard liability
- ZIP code: Miami-Dade, Broward, and Hillsborough counties have the highest rates due to traffic density and uninsured driver rates
- Driver age: drivers under 25 with violations can pay 30%–60% more than older drivers with the same record
- Coverage selection: adding uninsured motorist and full coverage increases premiums but is essential in Florida's high-risk environment
Compare Auto Insurance Rates in Florida
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Sources
- Florida Department of Highway Safety and Motor Vehicles (FLHSMV) — FR-44 requirements and filing procedures
- Florida Statutes Section 324.023 — Financial responsibility requirements
- Insurance Information Institute — Uninsured motorist rates by state