Florida High-Risk Auto Insurance After Violations
Florida requires $10,000 in property damage liability and personal injury protection (PIP) and is a no-fault state.
Find Coverage with Points on Your LicenseFlorida at a Glance
$10,000
Minimum property damage liability
No-fault
Each driver's own policy pays their injuries first, whoever caused the crash
Required
PIP coverage must be on every policy
Yes
A defensive driving course can reduce points on your record
Source: state DMV, insurance department and statute records, verified July 2026
Minimum Coverage Requirements in Florida
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.
Bodily Injury Liability
Property Damage Liability
Personal Injury Protection (PIP)
Uninsured Motorist Coverage
Full Coverage (Collision + Comprehensive)
What Drivers Pay in Florida
$351–$437/mo
Typical monthly rate in Florida, drivers after a speeding ticket
Rate data: ValuePenguin and CarInsurance.com, 2026
What Affects Your Rate
- 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
- Coverage selection: adding uninsured motorist and full coverage increases premiums but is essential in Florida's high-risk environment
See What Points Are Really Costing You
Find Coverage with Points on Your LicenseCoverage Types
Liability Insurance
Covers bodily injury and property damage you cause to others. Florida's 10/20/10 minimums are insufficient for most accidents—carry at least 50/100/50 if you have assets to protect.
Full Coverage
Combines liability, PIP, collision, and comprehensive into one policy. Required by lenders and recommended for drivers with financed vehicles or cars worth more than $5,000.
Non-Standard Auto Insurance
Specialized policies for drivers with DUIs, suspensions, FR-44 requirements, or multiple violations. Non-standard carriers accept higher-risk profiles that standard carriers decline.
Uninsured Motorist Coverage
Pays your medical bills and vehicle damage if you're hit by an uninsured driver. Optional in Florida but highly recommended given the state's high uninsured driver rate.
FR-44 Insurance
Florida's version of SR-22, FR-44 is a certificate of financial responsibility filed by your carrier with FLHSMV. Required after DUI or serious violations, it mandates 100/300/50 minimums for 3 years.
Personal Injury Protection (PIP)
Required $10,000 minimum in Florida, PIP covers your medical bills and lost wages regardless of fault. Does not cover vehicle damage or injuries to others.