Updated March 2026
State Requirements
Florida requires minimum liability coverage of $10,000 bodily injury per person, $20,000 per accident, and $10,000 property damage (10/20/10), plus $10,000 personal injury protection (PIP). DUI convictions trigger FR-44 filing requirements—a stricter version of SR-22 unique to Florida and Virginia—while license suspensions for serious violations may require standard SR-22. Drivers with violations accumulating 12 or more points in 12 months face automatic license suspension, but most point violations do not require SR-22 unless suspension occurs.
Cost Overview
Florida high-risk insurance premiums average $2,800–$5,200 annually depending on violation type, driver age, and location. DUI convictions requiring FR-44 filing produce the steepest increases—often 150–250% above clean-record rates—while at-fault accidents and serious moving violations typically increase rates 40–90%. Point violations from speeding tickets increase rates 15–35% per ticket, with the highest increases in metro areas like Miami, Tampa, and Orlando where accident frequency drives base rates higher.
What Affects Your Rate
- DUI or DWI conviction requiring FR-44 filing (150–250% rate increase)
- License suspension from point accumulation (80–140% increase)
- At-fault accidents in the past 3 years (40–90% increase per accident)
- Serious moving violations like reckless driving (60–110% increase)
- Speeding tickets over 15 mph above limit (15–35% increase per ticket)
- ZIP code and county—Miami-Dade, Broward, and Hillsborough counties show the highest high-risk premiums due to accident frequency and uninsured motorist rates
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Coverage Options
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Frequently Asked Questions
Sources
- Florida Department of Highway Safety and Motor Vehicles (FLHSMV) - SR-22 and FR-44 Requirements
- Florida Office of Insurance Regulation - Minimum Coverage Requirements
- Florida Statutes Section 324 - Financial Responsibility and Insurance