Updated April 2026
Minimum Coverage Requirements in Florida
Florida requires minimum liability coverage of 10/20/10: $10,000 bodily injury per person, $20,000 per accident, and $10,000 property damage. The state also mandates $10,000 Personal Injury Protection (PIP) regardless of fault. DUI convictions trigger FR-44 filing, while most other suspensions require SR-22. Both filings typically last 3 years and require continuous coverage—any lapse restarts the clock.
How Much Does Car Insurance Cost in Florida?
High-risk premiums in Florida are driven by violation type, filing requirement, and carrier availability. DUI offenders face the steepest increases due to mandatory FR-44 and elevated liability limits, while drivers with suspensions or lapses see smaller but still significant surcharges. Non-standard carriers dominate the high-risk market and rates vary widely by ZIP code, with urban areas offering more competitive pricing.
What Affects Your Rate
- Violation type: DUI increases rates 180–250%; at-fault accidents 40–80%; speeding violations 15–35%
- Filing requirement: FR-44 costs $80–$200/mo more than SR-22 due to doubled liability minimums
- Prior insurance lapse duration: gaps over 30 days trigger non-standard placement and 20–50% surcharges
- ZIP code and urban density: Miami and Tampa rates run 25–40% higher than Tallahassee or Pensacola due to accident frequency and uninsured driver rates
- Carrier market: non-standard carriers in competitive markets (Jacksonville, Orlando) offer rates 15–30% lower than assigned risk pools
- Payment plan: paying in full saves 10–15% annually; monthly installments add $5–$15/mo in fees for high-risk policies
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Sources
- Florida Department of Highway Safety and Motor Vehicles (FLHSMV) - Financial Responsibility Requirements
- Florida Statutes Title XXIII, Chapter 324 - Financial Responsibility Law
- Insurance Information Institute - Florida Uninsured Motorist Statistics