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
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 minimum is insufficient for most accidents, but high-risk surcharges make every additional dollar of coverage expensive.
Full Coverage
Bundles liability, collision, comprehensive, and often UM/UIM into a single policy. Necessary for financed vehicles and provides maximum protection despite elevated premiums for high-risk drivers.
Non-Standard Auto Insurance
Specialized coverage for drivers with DUIs, suspensions, lapses, or multiple violations. Non-standard carriers file SR-22/FR-44 and accept risks that standard insurers decline.
SR-22 Insurance
Not a separate policy—SR-22 is a certificate filed by your insurer proving you carry minimum liability. Required for most suspensions and serious violations excluding DUI.
Uninsured Motorist Coverage
Covers your injuries and vehicle damage when hit by an uninsured or underinsured driver. Optional in Florida but strongly recommended given the state's uninsured driver rate.
Personal Injury Protection (PIP)
Mandatory $10,000 no-fault coverage for medical expenses and lost wages regardless of who caused the accident. Cannot be waived even with health insurance.
