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 rates from carriers that work with drivers who have points
Standard carriers surcharge heavily after violations. These specialists price your specific record differently.
Get Your Free QuoteCoverage 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.
